Complaint Review: Capital One - Nationwide

Robert,

Perhaps you're in a situation where it is a privilege for you to receive a loan from a lending institution; however, for many of us, there are banks lined up hoping for the privilege to have our business. Lending is a business rather than an act of benevolence. As for myself, I can get a line of credit for any amount from any lender. I do not consider it a privilege that I can get a loan, but rather an honor to the bank that I chose them over many others. I make my decision to go with a particular lender based on interest rates, options, and quality of service. Capital One is reasonably new to the world of premium credit cards, and if they're going to make it on this side, then I suspect that they should learn to adjust the quality of their service above what they previously offered with their entry-level only cards. If you'll have a quick look around the web, you'll likely discover that this practice, by Capital One, of shutting down or restricting accounts because of some bogus fraud activity is happening to so many people that it should probably raise an eyebrow. What is even more disconcerting is that for many customers, after the requested information is submitted, the account is still never taken out of restricted mode. In some cases, people have opened a secured card by putting down a deposit, and now have a restricted account with no way to close the account or get their money back. 

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 several 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 pedantic. Often, when your assertions are corrected by the OP, others (such as Jim) inexplicably 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. 

 After filing my complaint Capital One corporate office got in touch with me and resolved the issue.

Gees...you do know the world is not out to get your right?

Capital One is granting you the priviledge of allowing you to borrow THEIR money.  As such they have a right to verify the information.

Now why did they not ask for this information before.  Who Knows.  Why are they asking for it now.  Again, who knows.  But guess what it does NOT matter.  There is obviously something that flagged your account and they want to make sure everything is on the "up and up".  

Perhaps it was the number of Authorized Users you had, perhaps you have added and deleted an extrodinary number of them.  Perhaps your purchases showed "some" risk.  Perhaps one of the people you deleted were trying to use the card.  Oh and as for the real topper..it may have nothing to do with you.  There may be activity on your card that is fraud, such as someone is trying to use your account.  So they are doing this to protect you.