A Capital One robot has been calling reader Catherine but she’s been ignoring their calls. Then, today, she checked her account and found out that she was “0 payments past due.”

Catherine says:

This week I’ve been getting phone calls from Capitol One, those annoying automated calls that expect people to actually wait and be transferred to a live person. I always hang up. Today I logged into Capitol One’s web site to check my account. It says I’m 0 payments past due. My next payment is due July 22nd. Below is the message that was waiting for me.

I can’t decide if being 0 payments past due is good or bad but according to Capitol One it can happen to anyone. That’s a comfort. Of course if I make my next payment by the due date all will be good with the Capitol One universe and I won’t be reported to the credit bureaus for not being late.

Balance: [redacted]
Amount Due: $41.00
Payment(s) Past Due: 0

Dear CATHERINE [redacted],

Your account is 0 payment(s) past due and we know that can happen to anyone. If you’re having problems making your monthly payments, we’d like to help. That’s why we wanted to let you know that it’s not too late to put your account back in good standing. And you can now click here to make a payment online.

Making a payment of $41.00 by 07/22/2009 will make your account current. This will keep us from having to report your account as past due to the credit reporting agencies.

And remember, the better your credit, the more likely you may be approved for new credit and lower rates in the future. Depending on your situation, even a partial payment may help keep your account in better standing with Capital One.

We understand your financial situation is unique. But finding the right solution to help you get through life’s little financial hiccups is what our specially trained associates do every day.

So please don’t miss another payment – call us Monday – Friday, 8 a.m. – 9 p.m. (ET), at 1-800-955-6600 or click here to make a payment online today.

Sincerely,

Capital One Bank (USA), N.A.

Hey, at least they understand that your financial situation is unique. That doesn’t really bode well for Capital One, does it?

(Photo:Taberandrew)

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