topic Re: Capital One Fraud? in Credit Cards

Capital One Fraud?

Anonymous — Mon, 14 Oct 2019 19:07:16 GMT

Hi all! New here but I’ve been ghosting the forums for awhile. I’ve had a hell of s time with Capital One today which has prompted making this username, wanted to know if anyone has had a similar experience.

I currently have two accounts with them - in the middle of September I applied for a Quicksilver card (I’m rebuilding) and at the time of application they sent an email requesting copies of my DL and SS card. Okay, kind of weird, but I sent them back and they emailed a few days later saying I was approved and my card was on the way! Awesome!

Fast forward to today - I have never been able to link the QS card in the app and I’m sure I’ve got a payment coming due, so I call customer service. The rep I speak with puts me on hold and comes back and said she transferred me to the fraud department.... oh.... Kay? The fraud department lady said I needed to provide (again) a copy of my drivers license, sscard and now a letter requesting the SS change. Ok.... I explained to her I did all this when I applied and she says they have to have it again. So I send it, they said it’d be 7-10 days and I’d hear back. Cool.

I get a call back and here’s what I’m told - my info doesn’t match, they’re restricting my account and if I wanted another card I’d have to reapply with the correct info. Mind you, I’ve used this card! I provided my personal info TWICE! If they suspected fraud why didn’t they call me when I applied??? They said my card was reporting to someone else’s bureau and they gave to open an investigation through the credit bureau and it’s just a huge mess. They can’t even tell me the balance on the card or when a payment is due only to keep paying until I receive a check in the mail for an overage???

Has anyone else had a similar issue with capital one like this?? Zero issues whatsoever on my other two accounts. I just don’t get it.

Re: Capital One Fraud?

Anonymous — Mon, 14 Oct 2019 19:14:56 GMT

I'm concerned you may have an identity theft situation, when was last time you checked your credit report? You can get all 3 bureau credit report for free once each year.

Re: Capital One Fraud?

Anonymous — Mon, 14 Oct 2019 19:19:56 GMT

Sometimes banks mess up and issue the same # to more than one person. If there's an issue why not head to a branch in person and get it sorted out?

I had a similar issue with Sync awhile back where I don't recall exactly what happened but they reissued a new card / # in response to someone else having the same info.

just try to keep a level head while dealing with the bureaucracy that is banking and it should get resolved with a new card in hand eventually.

Re: Capital One Fraud?

Anonymous — Mon, 14 Oct 2019 19:34:16 GMT

Thanks for the replies. I monitor my credit pretty faithfully. My fiancé is a loan consultant so she’s pretty on top of our reports. I guess my issue is when I spoke with them they acted like I did something wrong. If my info didn’t match what I provided why did they issue me the card? I feel like I’m being punished for their mistake I guess. My other two accounts have zero issues what so ever and I’m afraid this will affect them as well. I just don’t know if I need to let it be or if there’s someone else I should contact.

Re: Capital One Fraud?

Anonymous — Mon, 14 Oct 2019 19:37:03 GMT

Also, I’m not sure there’s a capital one bank in my area (I’m in KY) - I looked up the branch located on heir website and the closest one I could find is in Kansas? lol

Re: Capital One Fraud?

Anonymous — Tue, 15 Oct 2019 01:20:53 GMT

Capital One is an online bank. They have limited physical locations and even those are limited in the services they offer.

Re: Capital One Fraud?

ChargedUp — Tue, 15 Oct 2019 03:51:58 GMT

@Anonymous wrote:
Thanks for the replies. I monitor my credit pretty faithfully. My fiancé is a loan consultant so she’s pretty on top of our reports. I guess my issue is when I spoke with them they acted like I did something wrong. If my info didn’t match what I provided why did they issue me the card? I feel like I’m being punished for their mistake I guess. My other two accounts have zero issues what so ever and I’m afraid this will affect them as well. I just don’t know if I need to let it be or if there’s someone else I should contact.

*Did* you request a card with the name differing from what you normally use? (Like Bob instead of Robert or something along those lines?)

Have your checked your ARS, LexisNexus, Sagestream, etc? While the 3 major bureaus may have things straight, it's usually one of these oddball CRA's that throws a wrench in the system when things like this occur.

Re: Capital One Fraud?

Anonymous — Tue, 15 Oct 2019 07:17:53 GMT

@Anonymous wrote:
The fraud department lady said I needed to provide (again) a copy of my drivers license, sscard and now a letter requesting the SS change. Ok.... I explained to her I did all this when I applied and she says they have to have it again.

you did not specificially mention that you have deliberately changed your social sec number or why you did it, but that's what it looks like you have done... ?

i can see why doing that would cause this kind of problem.

Re: Capital One Fraud?

NRB525 — Tue, 15 Oct 2019 08:03:34 GMT

@Anonymous wrote:
@Anonymous wrote:
The fraud department lady said I needed to provide (again) a copy of my drivers license, sscard and now a letter requesting the SS change. Ok.... I explained to her I did all this when I applied and she says they have to have it again.
you did not specificially mention that you have deliberately changed your social sec number or why you did it, but that's what it looks like you have done... ?

i can see why doing that would cause this kind of problem.

I have the same question. OP are there multiple SS numbers associated with your name, or multiple names with the SS number? If so, what is the timeframe for your history of SS numbers changes?

Which are your other two cards? Which banks?

Is there a recent address change?

This is a complicated situation. Sorry to hear about the trouble.

Re: Capital One Fraud?

Anonymous — Tue, 15 Oct 2019 08:47:35 GMT

Here’s what I’m assuming has happened. When I did my initial application I’ve transposed numbers in my ssn - I believe this because when I did the application I had to provide Capital One with a front/back picture of my drivers license as well as picture of my ss card. Which makes it all the more strange that my information was still wrong. I emailed their public relations department in hopes someone can look into it for me because none of it makes a lot of sense, especially considering I provided proof of identity up front.

Re: Capital One Fraud?

GApeachy — Tue, 15 Oct 2019 10:29:04 GMT

@Anonymous wrote:
My other two accounts have zero issues what so ever and I’m afraid this will affect them as well. I just don’t know if I need to let it be or if there’s someone else I should contact.

Do you have any idea at all how much you've spent on this card? I'd go away and mail a check pronto, minimal(guessing) and an extra 10 dollars, cyb. I wouldn't wait long.

If csr said you'd have to reapply then I wouldn't count on that card for anything....sounds like a done deal. Maybe they did make a mistake. Since it's reporting to someone else's cr. and it never showed up on your credit report. (right?) You never saw it on your cr?

Re: Capital One Fraud?

Anonymous — Tue, 15 Oct 2019 10:33:53 GMT

Correct - it did not ever report to my CB but mind you I only applied September 13th, received approval on the 23rd (after I sent them pictures of my DL and SS card) so the card is still relatively new and I didn’t see cause for alarm because I hadn’t seen it report to mine yet. I made a payment with one of the reps I talked to yesterday but they’re telling me that because the account is permanently restricted no one can tell me balance, minimum due, etc - the best they can advise is to call and make payments until I receive an overage check in the mail. It was only a $300 CL and I definitely did not use that much, it’s just extremely frustrating. The whole situation doesn’t make sense.

Thank you all for your input.

Re: Capital One Fraud?

GApeachy — Tue, 15 Oct 2019 10:49:50 GMT

@Anonymous

I know it's new but it did show up on someone's cr. So they probably used it too and THAT'S probably why they can't tell you the amt. They are having to sort it out, separate the amts. Thank goodness it was only 300 dollars. I'd send a 10-25 dollar check every week until they tell you to stop via the overage check I guess would be a feasible way. Just get it over with.

Someone here may have a better idea, glad they took payment though.

Re: Capital One Fraud?

ChargedUp — Wed, 16 Oct 2019 00:07:14 GMT

@Anonymous wrote:
Here’s what I’m assuming has happened. When I did my initial application I’ve transposed numbers in my ssn - I believe this because when I did the application I had to provide Capital One with a front/back picture of my drivers license as well as picture of my ss card. Which makes it all the more strange that my information was still wrong. I emailed their public relations department in hopes someone can look into it for me because none of it makes a lot of sense, especially considering I provided proof of identity up front.

Ok... NOW we're getting somewhere. If you app'd for the card with an incorrect SSN, you've got their identity theft algorithms on high alert. Mistakes happen, we all get that but remember that banks live and die off of numbers. ID theft costs them millions every year, so they're going to be very sketched out for a bit. Yes, even over $300...

You can provide proof of identity, but you're going to have to let Cap One's system do it's thing in the mean time. Cap One seriously doesn't do anything that their computers won't allow, so there's really nothing left to do but wait for a response from them, while making sure you pay your balance.

Re: Capital One Fraud?

Anonymous — Wed, 16 Oct 2019 00:26:39 GMT

I understand entirely. I finally got someone in public relations to call me back today. They confirmed for me that the social security number I entered on my application was off. The only part that frustrates me is I’m assuming their system caught the error in the number I entered and asked me to provide a picture of my drivers license and social security card so they could review manually, before the application was ever approved. Which I did! I would’ve assumed a living breathing person would have cross-referenced the pictures I provided with what was on the application but I guess not? Not sure. Either way, they’ve permanently restricted that card and gave me the balance on the account today so I’ll just pay it off, cut my losses and move on. But I’m telling you I had to just about email Jesus Christ himself to get anyone to tell me anything about the account. It was a chore.

I really appreciate everyone’s input on this. I’m new to this credit game, not sure what is normal/odd/par for the course, ya know? Thanks again.

Re: Capital One Fraud?

Anonymous — Wed, 16 Oct 2019 00:29:01 GMT

@Anonymous wrote:
@Anonymous wrote:
The fraud department lady said I needed to provide (again) a copy of my drivers license, sscard and now a letter requesting the SS change. Ok.... I explained to her I did all this when I applied and she says they have to have it again.
you did not specificially mention that you have deliberately changed your social sec number or why you did it, but that's what it looks like you have done... ?

i can see why doing that would cause this kind of problem.

Disappointed that I am only allowed to to give this comment 1 Kudo.

Seriosuly OP you need to lead with this info. You original post leads one to think Cap1 is off their rocker. Your app looks like a textbook ID theft case. (not accussing you of this I am saying it looks like this to Cap1). Stay with me here a bit:

1-Consumer app's with SS number that one number off so it matches someone else. Meaning name and SS do not match but matches someone else.

2-When asked for verification consumer sends in SS card that does not match app SS nor app Name

3-card shutdown

I'm sorry but the card/account is dead. Try to recall approximately how much you owe. Just go day by day and add it up. Its a $300 limit so there cannot be that many transactions. Toss an extra $50 on the amount you think you owe just to be certain. Pay it. This will save you from this showing up on your report as late which will cost you more time to remove if you can even get it removed. Its worth the money just to prevent this imho. That should close this chapter. If you're still interested in the card wait a few months and reapply.

Re: Capital One Fraud?

Anonymous — Wed, 16 Oct 2019 00:39:16 GMT

Seriously...where are you guys getting the idea that the OP applied to Capital One with a modified/changed name? He claims that he mistakenly transposed digits in his social security number when applying, but made no mention of a name change.

OP, when applying its quite important to ensure YOU enter the correct information on the application and triple-check it if necessary.

Re: Capital One Fraud?

Anonymous — Wed, 16 Oct 2019 00:58:25 GMT

lesson learned.

Re: Capital One Fraud?

Anonymous — Wed, 16 Oct 2019 01:23:23 GMT

@Anonymous wrote:
Seriously...where are you guys getting the idea that the OP applied to Capital One with a modified/changed name? He claims that he mistakenly transposed digits in his social security number when applying, but made no mention of a name change.

OP, when applying its quite important to ensure YOU enter the correct information on the application and triple-check it if necessary.

Thats not how I interpreted the comments. Speaking for myself, I never said he applied with a modified name or name change. I said the altered SS number matched someone else. If you use a number that is one off, that number will most likely match someone else's name. Uintentional, but nevertheless. That is the only reason I mentioned "name" at all.

Credit Card numbers are specifically constructed so that one number change should not produce a valid number. SS numbers have no such checksum. They were given out in numeric order for a long time. I have cousins who are sisters one number off from each other, for example.