topic Re: agreeRe: Capital One card suspended........... in Credit Cards

Capital One card suspended...........

paop — Mon, 04 Apr 2011 02:47:28 GMT

I just got approved for a capital one card and received it yesterday. Today I activate it and made a few purchases, my last purchase was declined. So I called them and they said it was suspended because of possible fraud. That I need to send some copies of Id and utilitie bill and paystub to comfirm my identiyt.

Has anyone had this happen to them????

Re: Capital One card suspended...........

vish1 — Mon, 04 Apr 2011 02:50:04 GMT

@paop wrote:
I just got approved for a capital one card and received it yesterday. Today I activate it and made a few purchases, my last purchase was declined. So I called them and they said it was suspended because of possible fraud. That I need to send some copies of Id and utilitie bill and paystub to comfirm my identiyt.

Has anyone had this happen to them????

This kind of things have been heard earlier, don't worry you will be fine once you fax them the documents.

Re: Capital One card suspended...........

creditguy-378 — Mon, 04 Apr 2011 03:00:51 GMT

how many times did u use the card if it was for a lot of large transactions they would shut it down because they don't yet know u and how u spend it's for both of your protection i would try to call first but if no luck just send them what they want

Re: Capital One card suspended...........

paop — Mon, 04 Apr 2011 03:07:46 GMT

Re: Capital One card suspended...........

vish1 — Mon, 04 Apr 2011 03:12:24 GMT

It may be totally off track, but IMO, there is a possibility that the uncovering of the credit card data compromise (covered in other thread) may have pushed companies to make their fraud monitoring more stringent.

agreeRe: Capital One card suspended...........

JayRizzo — Mon, 04 Apr 2011 03:56:31 GMT

I agree, vish1. No matter if it was just names and email addresses, a ccc would definitely be on high-alert as they are the ones that would lose money during fraud cases as the card holder is protected after x-dollars.

Also to the OP, did you just go on a shopping spree or something? Like it was mentioned already, they need to learn your spending and payment habits. A new credit card wth ANY bank should not be activated then Da Daa Daa Dum Dee Duuummmm, CHAAAAARGE IT!!!

That will make any bank nervous. Makes it look like someone got ahold of your card... CARDS GONE WILD!!!

Re: agreeRe: Capital One card suspended...........

Anonymous — Mon, 04 Apr 2011 04:38:54 GMT

this happened to me when i made a lot of purchase during the first week having the card. but they suspend it due to possiblity of fraud. i was such a hassle for me to send in and fax the documents they needed. they needed bank statement, id, SS. local Staples fax keep giving me a busy signal when trying to fax everything. Was about to give up until i called their fraud dept. I ask her if i can just send it through email and said okay. sent it directly to her personal work email. and she removed the suspension.

Re: agreeRe: Capital One card suspended...........

paop — Mon, 04 Apr 2011 04:52:51 GMT

Re: agreeRe: Capital One card suspended...........

avv7c0 — Mon, 04 Apr 2011 17:52:40 GMT

I didn't have to fax in any documentation, but I did go through this process for the first week of my Venture card. Sat on the phone with her for about 40 minutes going charge by charge down the list. Frustrating at the time, but in hindsight--probably better safe than sorry.

Re: agreeRe: Capital One card suspended...........

Walt_K — Mon, 04 Apr 2011 18:04:28 GMT

@JayRizzo wrote:
I agree, vish1. No matter if it was just names and email addresses, a ccc would definitely be on high-alert as they are the ones that would lose money during fraud cases as the card holder is protected after x-dollars.

Also to the OP, did you just go on a shopping spree or something? Like it was mentioned already, they need to learn your spending and payment habits. A new credit card wth ANY bank should not be activated then Da Daa Daa Dum Dee Duuummmm, CHAAAAARGE IT!!!

That will make any bank nervous. Makes it look like someone got ahold of your card... CARDS GONE WILD!!!

I don't think this is necessarily true. I recently got the Amex PR Gold card and made it my primary card. As soon as I got it I ran everything through it because that is how I intend to use it. I did have the card shut down after the fourth purchase I made, but it only took me about five to ten minutes on the phone with Amex to have it reactivated. I haven't had a problem since.

I'm getting ready to apply for the SPG card. If I receive it, I am switching all spending over to it in order to get the additional 15K bonus points for 15K of spend in 6 months. If they shut it down, I'm fine with having to call them or even fax info in to have it reactivated.

As long as you are prepared for having to potentially deal with the fraud department, I see no reason not to immediately use the card how you intend to use it. But that may be all that Jay meant, that you shouldn't go wild with it if you aren't willing to deal with the hassle (which I consider to be minor). And perhaps that if you are going to use a new card heavily, you should make sure you have some backup form of payment.

Re: agreeRe: Capital One card suspended...........

mtva24 — Wed, 06 Apr 2011 02:56:51 GMT

Same thing happened to me back in Jan w/ my new Crap One card. I activated it and then bought some gas, washed my car, and just as I was paying for my beer...DECLINED. They just needed to verify me, i faxed them docs and they unfroze my account about 5 days later...