topic Re: Cap One asking for ID in General Credit Topics

Cap One asking for ID

Anonymous — Sun, 02 May 2021 23:04:27 GMT

So a few months ago I signed up for thier mobile app and a day or two later, my card was frozen. When I called in, they claim to suspect fraud and want me to send in a copy of my ID! Has anyone heard of this before?

At this point, they can rot. This is the 3 maybe even 4th time I have had to deal with their BS and "suspected fraud" line when none was happening, so it can sit on restricted status and I will just continue to pay it. Whats so odd over it is I have had them for just about 10 years and now they are asking lol. The best part is I have moved, and when I called to give them a chance ot update the address, they wont do it because I need to send in an ID. Umm okay so it can just sit with the wrong address. When I pay it off Im not sure they would even let me close it.

Re: Cap One asking for ID

Jnbmom — Sun, 02 May 2021 23:17:08 GMT

If you moved and they don't have your current address that is the reason. They want your ID to verify your new address you can either comply (which is simple enough) or close your account .

Re: Cap One asking for ID

Anonymous — Sun, 02 May 2021 23:58:39 GMT

Oh this happened well before I moved.

Re: Cap One asking for ID

Jnbmom — Mon, 03 May 2021 00:04:33 GMT

@Anonymous wrote:
Oh this happened well before I moved.

Ok that's odd hmmmm

Re: Cap One asking for ID

OmarGB9 — Mon, 03 May 2021 00:06:14 GMT

Maybe there's someone out there committing fraud in your name?

Re: Cap One asking for ID

Anonymous — Mon, 03 May 2021 00:18:43 GMT

Nothing unusual on my CBRs and no other creditors being weird. I know all our info is out there because of the EX breach a while back but still. As far as I can tell, its literally out of the blue but of course they wont share any deets with me until I send in an ID and given their past history of claiming "potential fraud" and it not being so, it doesnt make sense. If they wanted ID and income or something like that maybe but its not.

Re: Cap One asking for ID

Anonymous — Mon, 03 May 2021 00:20:26 GMT

What's the aversion to showing them the ID and proof of address?

Put yourself in a lender's shoes- wouldn't you want to verify the person and address if you're loaning them thousands of dollars?

Re: Cap One asking for ID

Gat — Mon, 03 May 2021 00:25:20 GMT

I have a cap one card

Tried opening a savings account with cap one they

transferred me to their fraud department... they kept telling me my info didn't match what was on file...

gave up

but credit card is ok

Re: Cap One asking for ID

Anonymous — Mon, 03 May 2021 00:32:35 GMT

Honestly its a few points that make me have an issue doing that.

1. I have had this exact same card for just under 10 years
2. Absolutely no other creditor has ever asked for this information

3. Every time they claim fraud, it never is which to me is lying, costing ME time and energy

4. No explaination at all and even weirder, no desire to get a current address or SS card or anything.. just ID.

Then comes the lack of any real value to incentivise me to once again use up my time and energy on them. 1.5% cashback is equal or less than anything else I have. High APR. Its a nice limit at 14800 I think but I have other high limit cards and it still reports as that limit too.

Re: Cap One asking for ID

W261w261 — Tue, 04 May 2021 14:05:05 GMT

Your texts ring of someone standing on principle, but it's hard for me to understand what that principle is. Cap1 should have their stuff better together? They shouldn't ask you the same question more than once?

The key to dealing with a bureaucracy is constant, even, professional effort. Eventually you will prevail, or you'll know for certain it's time to give up. Rage Against the Machine may be satisfying in the short term but is usually ineffective at anything other than than the satisfaction of venting.

I would sit down, take a breath, cooperate with their requests, and win your fight that way.

Re: Cap One asking for ID

Save-n-Invest — Tue, 04 May 2021 14:24:12 GMT

Maybe OP doesn't want to waste time dealing with a crackpot outfit.

Re: Cap One asking for ID

designated_knitter — Tue, 04 May 2021 19:49:40 GMT

@Anonymous wrote:
What's the aversion to showing them the ID and proof of address?

Put yourself in a lender's shoes- wouldn't you want to verify the person and address if you're loaning them thousands of dollars?

Not only does a lender want to, legally, the HAVE to because of the Patriot Act where they are required to "know" who they are lending money to.

Ive had situations where not only did I have to take a picture of my DL, but also take a selfie of myself with it!

Then, there was some bank that required facial scans using my cell phone. It's all getting pretty creepy!

Re: Cap One asking for ID

Anonymous — Wed, 05 May 2021 01:55:55 GMT

Recently Cap1 (along with other banks) has started to crack down on CPNs and is now doing SSN verification with the SSA for new applications. I have a feeling that might have something to do with it, even if you are using your own social, they might be going back and reviewing people's IDs.

Re: Cap One asking for ID

Anonymous — Wed, 05 May 2021 18:20:23 GMT

Yea I suppose there is a bit of principle for me and I get that some need to really verify identity. What bothers me is not only just get a hard stop with no explaination after many years, they wont give me one when I asked. Its the lack of any information or reason that is making me not want to coorperate with them.

Re: Cap One asking for ID

designated_knitter — Wed, 05 May 2021 19:09:48 GMT

@Anonymous wrote:
Yea I suppose there is a bit of principle for me and I get that some need to really verify identity. What bothers me is not only just get a hard stop with no explaination after many years, they wont give me one when I asked. Its the lack of any information or reason that is making me not want to coorperate with them.

I understand that is frustrating! However, that is also for your protection. It is a chicken and egg thing: without verifying you, they can't know that you are who you say you are... in which case, they aren't going to give you information that could potentially help an identity thief circumvent verification. If you have verified, then they know you are who you say you are... but by then, you no longer need the information.

It is sort of like the Secret Service. They refuse to give out any information about what security measures are being taken for protectees or at events because that information can be used to circumvent the security procedures.

Anyway, sorry if this seems like I'm beating a dead horse. In short -- it is annoying and frustrating... that bank where I had to take a selfie of me holding out my license, I made an obscene hand gesture and stuck out my tongue in the selfie... they still accepted it. If they hadn't, I would have just closed the account and not looked back!

Re: Cap One asking for ID

Anonymous — Wed, 05 May 2021 22:40:57 GMT

Yea that makes sense. Honestly I have been going back and forth on whether to close t hat thing or not anyway so they made the choice for me. Turns out though they dont allow it to be closed lol. So okay, it can just sit there and benefit my utilitzation.

Re: Cap One asking for ID

FinStar — Thu, 06 May 2021 03:49:31 GMT

As the premise of the topic at hand appears to be running in circles, and since it appears it has been well-covered by a variety of responses, the thread is now locked and closed to new messages.

-FS