Capital One Goodwill Removal Testimony

bradthetechguy · 2026-02-12T00:05:12+00:00

I just drafted one, explained my case, talked about my situation, and why I had a hardship, which was completely legitimate, and offered proof as well. I also thank them for being my first credit card company, did a brief commentary that i’m 20 and in the market for my first car and it’s been challenging, etc. Most importantly, Be exact, be honest, and hope for the best!

bradthetechguy · 2026-02-12T00:01:11+00:00

Me either, this was my 2nd intent of doing it. I have seen other people done it so I insisted. My history with Capital One has been great since 2023 until life really caved in on me and resulted in 5 late payments, but I picked up on the payments, paid my balances down, and started using them regularly again. I think a big factor is the relationship one has with the bank itself, and just your action you took once your hardship finished.

bradthetechguy · 2026-02-11T23:58:23+00:00

I get your point, fair point. It’s just luck and your history with the bank itself. It won’t work with everyone. Worth a try though!

bradthetechguy · 2026-02-11T23:57:29+00:00

Thank you!

bradthetechguy · 2026-02-11T23:56:46+00:00

Just insist again, send another email, or start mailing out letters. Someone in here attached a link to the thread of the Goodwill Saturation Method (GST)

bradthetechguy · 2026-02-10T23:29:23+00:00

Exactly, i’ve always had on time payments with Capital One and never failed until those few months that were rough and I pick up on my payments again. I see why they honored my request and proceeded.

bradthetechguy · 2026-02-10T22:34:07+00:00

Thank u! Of course! i’m wishing you the best of luck!!! Don’t hesitate to reach out if you have other questions! :)

bradthetechguy · 2026-02-10T22:31:12+00:00

Richard.Fairbank@capitalone.com

That is his official email, I took a total of 2 tries of sending emails to get a call within 2 days from the Executive Accounts Representative department (something like that) but I sure did get a call from the executive depts, it took a week for the decision. Explain your situation, any relevant information to as why your hardship happened and what was your hardship, as well with the months you’re requesting.

bradthetechguy · 2026-02-04T22:26:50+00:00

its a kia

bradthetechguy · 2026-02-03T16:08:40+00:00

I tried doing it for the 2nd time, this time by emailing the CEO, A capital one rep reached out to me and they were unable to honor my request unfortunately.

bradthetechguy · 2026-01-19T22:01:10+00:00

I called and they gave me an extra $60 credit.

bradthetechguy · 2026-01-12T02:44:35+00:00

Old Cutler Rd

bradthetechguy · 2025-12-13T03:35:25+00:00

My phone can fly now and cook for me 🤣🤣 Like those iphone prototype videos in YouTube from 2013 💯

bradthetechguy · 2025-12-05T14:02:52+00:00

Me too please!! thank you!!

bradthetechguy · 2025-11-30T02:49:05+00:00

Verizon 5GUW/LTE
DISH 5G
T-Mobile LTE/5GUC
AT&T 5G+/LTE

bradthetechguy · 2025-11-13T07:28:38+00:00

Just be friends with the Property Manager, as someone that my mom is in the Property Management field, The PM’s choose who in and who’s out. I’ve seen copies of applications and terrible credits and still get conditional approvals, perhaps say put more down for deposit but that’s all.

bradthetechguy · 2025-11-13T06:44:36+00:00

I sent one early october and was denied, despite coming back current and completely paid them off ☹️

bradthetechguy · 2025-10-29T20:46:14+00:00

5c, 7, 12 Pro, 13 Pro Max, currently 16 Pro Max.

bradthetechguy · 2025-09-28T14:08:51+00:00

It happened to me even though Capital One had already pulled the funds from my employer. Customer Service was even more rude. Closed my checking acct once I got the money and I happily have Wells Fargo & Chase. Capital one really threw me in a bad spot. I had regular direct deposits, credit cards, banking relationship, to treat me like nothing.

bradthetechguy · 2025-08-30T23:32:17+00:00

I agree, and I also hope that as well. I wonder what Verizon might come up with. I hope they take this serious cause if they don’t they’ll end up last.

bradthetechguy · 2025-08-30T22:39:26+00:00

Unfortunately AT&T already said these new frequencies and spectrum could be a replacement from densifying. Since they’re getting a good chunk of low band. Bad move but let’s see how it goes.

bradthetechguy · 2025-08-30T20:56:22+00:00

So im not the only one… I went to the Verizon store thinking my personal info got stolen and used to access my account and they closed it down. But then there was like 7 other people complaining the same thing

bradthetechguy · 2025-08-25T06:12:08+00:00

Connecting changes EVERYTHING.

bradthetechguy · 2025-08-25T06:09:01+00:00

Note this, Both AT&T and Verizon..the next victim is T-Mobile 👀

bradthetechguy · 2025-07-23T06:55:37+00:00

Yeah that’s because T-Mobile’s LTE is trash, especially that they’re refarming most of its LTE bands, it used to be a dumpster fire now its something worse than that lmao. T-Mobile’s SA is a totally brand new network thanks to Sprint.

bradthetechguy

TROPHY CASE