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Capital One Approved - Verification

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Anonymous
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Capital One Approved - Verification

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.

Message 1 of 5
4 REPLIES 4
NYFan63
Established Contributor

Re: Capital One Approved - Verification

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

 

 

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 2 of 5
Anonymous
Not applicable

Re: Capital One Approved - Verification


@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.

Message 3 of 5
Existentialist
Frequent Contributor

Re: Capital One Approved - Verification

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

Message 4 of 5
SecretAzure
Valued Contributor

Re: Capital One Approved - Verification


@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!

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