Okay, now I know where the Crapital One talk comes from....

[taxi818]

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@Anonymous wrote:

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@Anonymous wrote:

Must be a backstory, that sounds strange.

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Apparently it triggered a fraud alert because I make payments from two different bank accounts.  I've been doing this for the past year for both Cap One credit cards and my auto loan.

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I also pay from 3 bank accounts and have never ever had any issues. none.

[TURNERHOOVER]

CRAP ONE !! YUSS!! 

[gdale6]

Just because they wont clear the payment and up your available credit doesnt mean it wont report the actual balance after the payment. If they accept the payment then they have to report include it in the statement balance but they can hold off increasing your available credit by the time periods allowed by law

[Anonymous]

They do that, that is why I started paying them from my bill pay from my bank. Much less of a hassle.

[Anonymous]

If you've always revolved a balance and all of a sudden you've paid it off, any bank is going wait for it to clear before your available credit reflects the large payment (although your balance should go down to zero in the mean time). This hold can last up to 2 weeks and harassing them won't help. It's standard banking practice and reflects prudent risk management.

[jsucool76]

the first time I made a decently sized payment on my cap1 card (like 3k)i was told they would hold the funds for a week before clearing, but that I could call and ask that they clear the payment immediately, and I did, and they did.

this sounds like something different, cap1 wanting to talk to OPs bank. that's just weird.

[dobirdsmommy]

OP I had the same thing happen to me when my CL was only 2500. I would charge that and pay it off within 2 days. They started to hold my payments for fraud alerts claiming it appeared I was money laundering.

I had to speak to the EO to get it resolved. Since than I never ever had an issue with the fraud alerts, same phone call got my CL up to 6k In January I was making multiple payments to pay it off just as quick as I spent it. This triggered the CLI to 20k