Credit Cards

[Duncanrr]

I login to hotmail and notice I have email from crap1 telling me I have an online document to view. I retrieve doc and it says my deposit for CLI has been approved and stated my new credit limit. I go to main page to confirm this and in large red letters it says my account is restricted. I'm like oh crap what's going on. I call number and they tell me I'm being transferred to fraud specialist. (my last charge on this account was 11/12 and my balance is only $120)

Get this they suspended my account because they believed someone fraudulently deposited money into my account. Hmm. I just got letter that they approved it but if they suspected it was a fraudulent deposit then why did they approve it? They said they didn't recognize the account the deposit came from. Well, wrong again. The account is the same checking account I've had link to card since it's initial deposit. All previous payments and deposits have come from this very same checking account over the last 6 months. What the hell is Crap1 doing? They didn't even email or call me to let me know there was a fraud alert.

[lylesvegas]

Crap 1......That's hilarious !!!

[RonDawg]

Goodness, Sorry to hear about what your going through.  I hope that cap1 will work with you to get the problem resolved.

[Duncanrr]

they fixed it on phone after I pointed out to the scholar CSR that the most recent deposit was from the very same account I've used for the last 6 months. I gave up trying to get a logical reason they had for placing a fraud alert on my account. The first 3 months they held every single friggin payment from the exact same account for 10 days. Come my 1 year anniversary I'm so canceling this card.

[toppers555]

Credit Cards

Account Name	Account Number	Payment  Due Date	Minimum Payment	Last Payment  (Posted)	Available Credit	Balance
Platinum MasterCard Get Mobile Banking Manage Authorized Users This account is currently closed. Please call 1-800-955-7070 for assistance. (Ref. No. 10016.8038)	....	DEC 16, 2012	$0.00	$36.95 (OCT 23, 2012)	Account Closed (Credit Limit:$3,000.00) Make a Deposit	$0.00
Spark Visa Business Card Get Mobile Banking Manage Authorized Users This account is currently closed. Please call 1-800-955-7070 for assistance. (Ref. No. 10016.8038)	....	DEC 12, 2012	$0.00	$120.84 (AUG 1, 2012)	Account Closed (Credit Limit:$750.00)	$0.00
PlayStation®Card Explore Rewards Get Mobile Banking Manage Authorized Users This account is currently closed. Please call 1-800-955-7070 for assistance. (Ref. No. 10016.8038)	....	DEC 4, 2012	$0.00	$52.40 (NOV 2, 2012)	Account Closed (Credit Limit:$500.00)	$0.00
Platinum MasterCard Get Mobile Banking Manage Authorized Users This account is currently closed. Please call 1-800-955-7070 for assistance. (Ref. No. 10016.8038)

I love seeing this on my crap one login  I am free besides my two hsbc cards.

[Duncanrr]

Crap1 needs to learn that my credit will not always be in the toilet and I will make an excellent customer for them some day.  The way they treat us peons makes it so once I'm fully out of the gutter I will never use another one of their products.  Fees are fine, I get they extend credit to people with suspect CR and I appreciate that.  But their CSR and the way they handle accounts will make them lose business.

Right before my AF is due to hit, I will be cancelling my card with them.  If they agree to waive fee then I may keep it open for one more year but I have no intention of using the card.  I hardly use it now.  (Thanks NFCU, AMEX and Chase !)

[Dustink]

I have pretty much given up on Crap1. Besides having awful lending standards. It is just too hard to get a competent individual on the phone.

[mikka1]

In fact, in my view this is the issue that spans far beyond Cap1 and even banking industry as a whole - I mean, those automated "fraud detection" systems. No doubt they might be extremely useful to spot potential fraudulent activities and stop them before they can do any harm to anyone, but the problem is that these systems are usually designed in a way that:

- they have an ultimate veto right to stop whatever transaction they find suspicious

- (which is the worst point) their design principles (security concerns in mind) make them to act like a black box even for company employees. It really makes sense because if everyone knows how those system flag fraudulent items, it would be easier for crooks to structure their activities in the way to minimize chances to be flagged, but on the other hand it is often the case that if you are for whatever reasons flagged by such a system, you are in a huge trouble as nobody would even be able to explain you what the hell was going on.

I personally experienced it not a long ago with T-Mobile who blocked my online order and made me spend... EIGHT (!!!) hours talking to their CSRs trying to figure out what I've done to draw such an attention to myself. Apparently this was a kind of a glitch in their system, but obviously nobody will ever reimburse me for the whole day lost on multiple dialogues with their clueless employees. The same happened with Travelocity last year - again, my transaction has been flagged by their "fraud prevention department" with no apparent explanations or excuse...

[Epcot]

Wow, that stinks. Glad it was fixed, but you shouldn't have to go through that. Sorry to hear.