topic Re: Capital One Approved - Verification in Credit Card Applications

Capital One Approved - Verification

Anonymous — Mon, 13 Jul 2015 14:16:22 GMT

This is probably more of a rant than anything else, but might be useful to others.

On Wednesday, July 8th, we applied for my wife's first credit card. She is a green card holder, her social is over a year old. Chase had denied her, but Capital One showed pre-approved for the QS1. Applied, instant approval for 3.5k... I was amazed, her credit report is nothing but AU on my new cards.

Friday morning we got a call from fraud for verification, no big deal. We were not at home at the time, so it went to voice mail. We just called, one business day later, and they said the case is already closed... **bleep**. After realizing the CSR (who was polite and professional) could not help I asked for a supervisor (my wife and I were on speaker phone, she had authorized me to speak on her behalf). Supervisor tried to give us the same story, said it was closed because the SSN was incorrect. Her solution, apply again and take 3 more HP. I became, slightly, less polite and questioned how they claimed her US Government issued SSN was invalid, the same one entered that said pre-approved. Finally they agreed to re-open and asked for the standard copy of ID, SSN card, and bank statement. Should be good now, we'll upload tomorrow and she said 2-3 days for processing.

So... yeah.. mostly rant, but if anyone else runs into a similar problem know that you can push them to do the right thing and actually verify you.

Re: Capital One Approved - Verification

NYFan63 — Mon, 13 Jul 2015 14:43:23 GMT

Congrats to you and your wife! I'm glad Cap1 did the right thing!

Re: Capital One Approved - Verification

Anonymous — Mon, 13 Jul 2015 14:50:52 GMT

@NYFan63 wrote:
Congrats to you and your wife! I'm glad Cap1 did the right thing!

Thanks, I was getting pretty irked towards the end... closed after 1 business day and their initial solution was 3 more HP. They came around, simple stuff that I was expecting, so feeling a bit better.

Re: Capital One Approved - Verification

Existentialist — Mon, 13 Jul 2015 19:19:32 GMT

That u continued to press them on the matter made the difference.... congrats.

Re: Capital One Approved - Verification

SecretAzure — Mon, 13 Jul 2015 19:23:35 GMT

@NYFan63 wrote:
Congrats to you and your wife! I'm glad Cap1 did the right thing!

How odd. Usually, it's as if they go as far as they can to not do the right thing.

Congratulations OP!