Capital One Income Verification?

[Jerry45]

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@Anonymous wrote:

Interesting.  I haven't received a CLI from Cap One yet, I keep getting the "account too new" message, but I am coming up on the 3rd statement which a lot of folks say is the sweet spot.  But our combined incomes are well over $100k.  I have to assume they will ask for verification.  Like you, I have no problem sending paystubs, but I'm certainly not sending my tax return!  

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Agreed. I waited for 6th statement to go for the CLI.  The  only thing I can think of, is that I had about $500 balance on my card., but have 6 months left on the 0% APR.

Maybe they want 0 balance before the first CLI. Hope this helps

[Anonymous]

Well I am in shock.  I got a $1000 increase without issue.  That is so strange they asked for verification from you.

[Anonymous]

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@Anonymous wrote:

Wow that's crazy. Is the Venture your only card with them? I would just send the pay stubs if you're ok with that and hope it's good enough (without the tax returns). I think this is the first I've ever heard of Cap1 requiring tax returns, usually their income verification consists of sending pay stubs, W2, or bank statements.

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Isn't tax return W2 😇

[Anonymous]

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@Jerry45 wrote:

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@Samac wrote:
They asked for the same of me. I did it. I told them I included $700/mo from my parents as I'm in school and they help my limited income by paying rent. They then wanted their income. That's when I scoffed at them and said absolutely not. Needless to say I'll never have a Capital One card and I'm ok with that.

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Fair enough. Full time employed with decent income, but well under 100k. Do not know what set off the alarm bells

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I asked for a CLI on my venture and they asked me for POI. All I did was sent in pay stub and they ok with it. It cause I had a jump on my income from 180k to 240 cause of year end bonus. All they increased me is from 15k to 22k. Also increased my QS from 8k to 16k

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Wow that's crazy. Is the Venture your only card with them? I would just send the pay stubs if you're ok with that and hope it's good enough (without the tax returns). I think this is the first I've ever heard of Cap1 requiring tax returns, usually their income verification consists of sending pay stubs, W2, or bank statements.

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Isn't tax return W2 😇

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No, that's only part of it. Your W2 doesn't contain your dependent children's ss# and birthdates, but your tax return does.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Wow that's crazy. Is the Venture your only card with them? I would just send the pay stubs if you're ok with that and hope it's good enough (without the tax returns). I think this is the first I've ever heard of Cap1 requiring tax returns, usually their income verification consists of sending pay stubs, W2, or bank statements.

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Isn't tax return W2 😇

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No, that's only part of it. Your W2 doesn't contain your dependent children's ss# and birthdates, but your tax return does.

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Oh the OP meant they wanted everything the tax ppl help filed? That would be first I heard they ask to send that in. I've heard of Amex asking u to sign a 4056 forum so they can submit to get info on taxes but never heard of a credit company actually asking u to send it in