Credit Cards Center Credit cards from our partners
New Member
Posts: 2
Registered: ‎01-07-2013

Don't Know if it's a scam or not capital one

I tonight while I was at work, ( at 6:30pm and keep in mind I am a server) I was called on our restaurant's landline by capital one asking for me. Actually it was odd they didn't even ask for me they just assumed the person on the line was me. Anyway I answer the phone with "name of restaurant how may I help you" the person on the other end automatically said " Hi *my name* and I'm calling from capital one. ( she never mentioned her name thought this conversation) I said quickly I am at work and I can not speak at this time. She continued to ignore that fact and kept talking saying it was very important to get this cleared up. She goes on a talks about my account and that I need to make more than my minimum payment I have been doing. I again said that I was at work not to mention on the restaurant's phone line and could get in major trouble for this. This person didn't care what so ever.She just continued to explain to me that I needed to make a larger payment for my platinum card. I said I would later on in the week. She continued to say no I can do it over the phone that she has all my information already. I said no I don't want to and that the account they have on file is actually closed because of a fraud activity that actually ready did happen on it. So she quickly asks well lets use your new account do you have your information for it at hand? I snapped and said no I am at work I don't have time, and that I will pay more than the minimum payment when I can and do it online on my own. She immediately had an attitude and said well she needed to know the date so she can mark it on my account I just blurted out a date a week from now, then the lady mentions that she will mark my account with that I will be paying on the 19th. So making it a pending payment. Then I was able to hang up. 


I then look later on my online account with capital one and nothing shows that this woman marked a pending payment. Now It bothered me later on that I she never gave me her name, or number in which I could contact her if anything. And that well I was scammed a few weeks ago on my bank account taking 2400 out of my account. I have wells Fargo fighting this fraud. But what also bothers me is that this person who is with "capital one" that contacted me tonight NEVER called my home first or even my cell phone. But calls my job. I find that really odd and makes me uncomfortable after what recently happened to be about 2 weeks ago. 


Sorry for this being so long, I just need some others advice or opinions on what happen to me tonight. 

Regular Contributor
Posts: 201
Registered: ‎12-04-2011

Re: Don't Know if it's a scam or not capital one

Call Capitol One yourself and explain the phone call.  They should see in their records if anyone contacted you.  Verify with them what phone #'s they have on record.  Also, if you are making the minimum payment, they would not call you.

Posts: 13,897
Registered: ‎04-15-2011

Re: Don't Know if it's a scam or not capital one

Personally?   Smells like a scam.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Member
Posts: 2
Registered: ‎01-07-2013

Re: Don't Know if it's a scam or not capital one

Thank you, I defiently will be calling them tomorrow to see that going on. 

Senior Contributor
Posts: 5,410
Registered: ‎02-23-2011

Re: Don't Know if it's a scam or not capital one

Sounds as if she was phishing for a new CC# by asking you to make a payment to an account.  Somehow, they must have been privy to your account having been closed?

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012

Re: Don't Know if it's a scam or not capital one

Seem like you need to sign up for some fraud Id thelf or something.......

Next time ask for their name and Id before you talk to any1.

HAng up if they dont provide such thing.

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800

Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor
Posts: 233
Registered: ‎10-03-2009

Re: Don't Know if it's a scam or not capital one

Doesn't sound right. I hope you were not scam. I have deveral accounts with them for over ten years and never experience anything like this. hope all goes well.

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |

Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Established Contributor
Posts: 643
Registered: ‎09-18-2011

Re: Don't Know if it's a scam or not capital one



doesnt sound right at all. you should call them right away

Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.