Capital One My Account is Restricted Due to Alleged Fraud Nationwide
I've had several accounts through Cap One, everything from auto loans to business and personal accounts. A few months back, I opened up a Venture credit card through Cap One, and everything seemed to go off without a hitch. Recently, I called into Cap One's customer service to ask a quick question about the card, and when the rep picked up, she heard my question and told me that she would tranfer me to the proper department; however, she then transfered me to the fraud department. The person in the fraud deparment asked me several question to confirm my identity, then said that my account was restricted due to potential fraud. I asked if he would explain further, and he said he would not speak further about it until I mailed in a copy of my drivers license and social security (funny that he had taken the time to verify my identity just before he said that he could not speak to me about the matter). My wife manages the CC fraud department at her bank, so I asked her if these cagey practices were at all necessary. She assured me that after I confirmed my identity, standard protocol should have been to move on and open my account back, then discuss potential concerns as necessary. Keep in mind that when I spoke to the fraud rep, and eventually the fraud rep supervisor, I offered to walk into my local Cap One location and identify myself, but that would have been unacceptable for them. Please save any comments about how I'm being overly critical of the bank; my philosphy is that companies with whom I do business should keep in mind that they work for me. I've recently begun a process of making a list of things that complicate my life, and eliminating those things from my life. After many great years of business relationship, Cap One has made that list.
2 Updates & Rebuttals
Response to Robert
#3Author of original report
Mon, August 31, 2015
Robert,
I find it interesting that your antagonizing rebuttals can be found on countless Capital One complaints across this website. When I searched Capital One in the search box above, I saw your rebuttals in 7 of the first ten complaints that I viewed. Now, I do appreciate that you feel so inclined to frequently come to Cap One's defense; however, in every one of your rebuttals, your tone is unnecessarily accusatory and perhaps even aggressive. Often, when your assertions are corrected by the OP, you have other friends come to your aid. I don't really have any interest in such nonsense, so what do you say we stop this now? As an aside, thanks for taking such an interest in my wife's profession.
Robert
Irvine,California,
USA
A question and a comment
#3Consumer Comment
Mon, August 31, 2015
First the question...What exactly was this "quick question" you asked when you called them?
As for the comment. It is very interesting how almost like clockwork that when someone has an issue with a company, they very often come up with a relative who amzingly is in the same profession but with a different company. And almost just as amazing that without exception the relative totally agrees that the other company was 100% wrong and THEY would never do that.
Here is a thought that you or your Credit Fraud Manager wife didn't think of. What if someone called up pretending to be you by giving them all of the information about you over the phone? Then they were "verified" and basically ran your card up to it's limit. Would you be here saying that is okay because after all they answered all of the right questions over the phone so they must have been you? After all they were just looking out for the customer...right?
Perhaps you should open up an account at your wife's bank. Or let me guess..you already have one and they never asked you to prove who you were.