Thanks everybody for the reassurance that it's a real e-mail from CapitalOne and the advice for any future emails.
I just think that it is pretty weird that CapitalOne would use a third-party service for denial letters instead of uploading it theirselves onto our online accounts (I do not have any new messages or documents in my CapitalOne account).
@core wrote:
@lordAventador wrote:I just think that it is pretty weird that CapitalOne would use a third-party service for denial letters instead of uploading it theirselves onto our online accounts (I do not have any new messages or documents in my CapitalOne account).
What is 3rd party about capitalone@email.capitalone.com? <-- Seriously, what is wrong with that address??
And a new applicant does not have a CapitalOne.com account so that is non sequitur. It is perfectly reasonable for them to do what they did. The email address they used was also professional.
I do not see any issue here. I'm a C1 hater but this is reaching.
The email address used is not what I meant by third-party services.
- The hyperlink entitled, "You can access your letter," does not lead to the CapitalOne website, a CapitalOne domain, a CapitalOne sub-domain, or my CapitalOne account. It leads to a third-party website.
- The denial letter is not uploaded to a CapitalOne website, a CapitalOne domain, a CapitalOne sub-domain, or my CapitalOne account. It leads to a third-party server that hosts the denial letter.
- The password to access the denial letter asks for the last four digits of my SSN, birthdate, and zipcode instead of my usual CapitalOne online account password.
- A CapitalOne Chat CSR and CapitalOne Phone CSR had no idea what I was talking about when I asked them about sending me denial letters online. They both said CapitalOne only sends denial letters by mail and that I should forward the email I got to abuse@capitalone.com
I'm not a new CapitalOne applicant. I've been a CapitalOne credit card holder for 5+ years and have had an online account for that entire time.
So, as you absorb my above four points and the fact that the denial letter was sent to me via a third-party service instead of uploading it on CapitalOne's main website, I hope you can understand why I thought this was a phishing attack or scam. I don't think I was reaching at all.
And the email looking professional doesn't really matter. I can recreate that entire email in 30 minutes using MS Paint and MS Word. 15 minutes if I used Photoshop.
Edit: formatting