topic Re: Furious... Cap1... in Credit Cards

Furious... Cap1...

Charmante — Fri, 10 Apr 2020 18:34:56 GMT

I feel very annoyed. Nearly angry. I need advice...

I received a call from Cap1 Fraud Department today. On my 3 year old QS. I have 5 authorized users on the account and have for about 3 months now.

They are requesting copies of SS CARD and DRIVERS LICENSE for ALL 5 users...

Excuse me? This is BEYOND stupid and intrusive... These people have ZERO responsibility or legal connection to this account.

I would NEVER feel comfortable asking 5 individuals to give me such personal documents -- NOR would I expect them to give me such if I did ask them!

So I said "Clear the users off". And she responded "EVEN THEN, THE ACCOUNT WILL REMAIN RESTRICTED UNTIL WE RECEIVE ALL 5 SETS OF REQUESTED DOCUMENTS."

Oh my gosh. I feel violated honestly... Now I have a permanently FROZEN account. Can't upgrade it OR EVEN CLOSE IT...

What do I do...?

Re: Furious... Cap1...

Anonymous — Fri, 10 Apr 2020 18:38:22 GMT

@Charmante wrote:
... What do I do...?

1st thing: calm down. Breathe. Breathe some more. Get good and calm.

2nd thing: HUCA.

On the 2nd call my objective would be not to salvage the card (not saying you can't) but to close the card. That would be my focus. Others will be along to offer better suggestions shortly.

Sorry. Good luck.

Re: Furious... Cap1...

Girlzilla88 — Fri, 10 Apr 2020 18:38:46 GMT

That's crazy are you sure you were speaking with someone at Cap1?!

Re: Furious... Cap1...

Girlzilla88 — Fri, 10 Apr 2020 18:39:54 GMT

I would definitely call back and speak with someone higher up and if need be close it but as a last resort really.

Re: Furious... Cap1...

Charmante — Fri, 10 Apr 2020 18:44:03 GMT

I am positive it was Cap1. She read off the users names and the last 4 of my account. I really am speechless.

Re: Furious... Cap1...

Charmante — Fri, 10 Apr 2020 18:45:09 GMT

I already escalated to a Supervisor. Can I go higher?

Re: Furious... Cap1...

Gmood1 — Fri, 10 Apr 2020 18:48:39 GMT

Sorry for your troubles.

I think I have 5 on my Cap one card.

Though it's nearly 13 years old.

Scratch that, just looked. I have 7 AU's on that card.

The only thing you can do is furnish the information or cut your losses and move on to other lenders.

I've seen this happen before to other members.

Cap One is looking for accounts where customers are selling AUs.

Not assuming you are doing anything like that. But normally that's what their reasoning is behind it.

Re: Furious... Cap1...

Brian_Earl_Spilner — Fri, 10 Apr 2020 18:48:35 GMT

They think you're selling AU slots to credit builders. They want the info to verify you really know these people.

Re: Furious... Cap1...

Charmante — Fri, 10 Apr 2020 18:51:43 GMT

*big eyes* Wait... What...? People SELL Authorized Users access to their accounts...? (LOL)

Seriously please explain this. I've never even HEARD of that...

1) Why? Why would someone PAY to be an AU...?

2) Where do they do this at? It's not exactly a Topic I would put in the Local Newspaper. Lol...

Now I'm also offended... Lol

So if I just leave this account restricted... Does it prevent me from opening NEW Cap1's? Like, will I basically be Cap1 Black Listed?

Re: Furious... Cap1...

Gmood1 — Fri, 10 Apr 2020 18:58:24 GMT

Yeah, I'm sure you would. But unless you are willing to submit the information. They can hold your account hostage.

Now being you have a crap ton of other lenders out there. I wouldn't even blink. Lol

I've stopped, dropped and rolled a lender or two. 😂

I let those cards die a long and lonely death on my reports. As long as it positive history. It will keep right on reporting 10 years after they close it.

All this depends on how dependent you're on Cap One.

Re: Furious... Cap1...

Anonymous — Fri, 10 Apr 2020 19:00:53 GMT

Lots of sites buying and selling AU.

Google "Tradelines for sale" or "Authorized user for sale"

Re: Furious... Cap1...

Charmante — Fri, 10 Apr 2020 19:09:23 GMT

Lolol @Gmood1 stop, dropped, and rolled did you...? Lolol

Guess it's my turn as well. Lol

**bleep** didn't even get to use my newly opened WM MC. LOL

Honestly every CC I possess is Cap1. So I wouldn't say I'm dependent -- it is (ahem or WAS) just comfortable to me. Like your favorite car or shoes...

But I'm very upset. I would love to throw their cards back in their faces to be honest.

So now I have to lender hunt. Lol New and scary ground!

Re: Furious... Cap1...

bourgogne — Fri, 10 Apr 2020 19:09:54 GMT

remove the AUs, seems like a pretty easy solution

Re: Furious... Cap1...

Charmante — Fri, 10 Apr 2020 19:10:54 GMT

I am ABSOLUTELY going to Google that... How interesting... I wouldn't have even thought to "buy a slot". Lol People are inventive!

Re: Furious... Cap1...

Charmante — Fri, 10 Apr 2020 19:12:02 GMT

I tried. She said even then the account will remain locked until I supply all 5 sets of records...

Re: Furious... Cap1...

Anonymous — Fri, 10 Apr 2020 19:20:02 GMT

@Charmante wrote:
I tried. She said even then the account will remain locked until I supply all 5 sets of records...

Yes, I think that is more evidence that they suspect misbehavior about AUs (so even if you remove them, they regard you as guilty until you show otherwise). Do these AUs live in different places and have different last names? Even though that should mean a lot less these days, it is more suspicious to them than if Mr Smith in MD has 5 AUs all called Smith in nearby places.

Re: Furious... Cap1...

Gmood1 — Fri, 10 Apr 2020 19:27:13 GMT

@Charmante wrote:
Lolol @Gmood1 stop, dropped, and rolled did you...? Lolol

Guess it's my turn as well. Lol

**bleep** didn't even get to use my newly opened WM MC. LOL

Honestly every CC I possess is Cap1. So I wouldn't say I'm dependent -- it is (ahem or WAS) just comfortable to me. Like your favorite car or shoes...

But I'm very upset. I would love to throw their cards back in their faces to be honest.

So now I have to lender hunt. Lol New and scary ground!

Well,.there isn't a shortage of lenders out there. I know some believe Cap one, Chase, Wells Fargo, Amex or Citi is it. 😂

The hunt can be kinda of fun actually 😉.

As time goes on and you acquire other lenders. You'll learn it's not always the lending side that makes some of these lenders look bad. It's their fraud departments.

Some innocent people do get caught in the cross fire.

Re: Furious... Cap1...

bourgogne — Fri, 10 Apr 2020 19:29:41 GMT

@Charmante wrote:
I tried. She said even then the account will remain locked until I supply all 5 sets of records...

gosh, that is a bit of a pickle ... is there a means where each party can upload their info to the mothership?

Re: Furious... Cap1...

FieryDance — Fri, 10 Apr 2020 21:19:59 GMT

I didn't even know you could add AU without supplying their SSN. Is it a business card? Besides, if someone wants to be added as an AU to boost their own credit wouldn't they have to give their SSN?

Re: Furious... Cap1...

Kforce — Fri, 10 Apr 2020 20:09:22 GMT

@FieryDance wrote:
I didn't even know you could add AU without supplying their SSN. Is it a business card?

Some only require Last, First and DOB.

A few others add address to name and dob.

Requiring SS# is only required for a couple of my issuers.