I've never had good success with Capital One. I'm afraid you may need to try someone else. I mean, if they would accept the passport, a Remote Online Notary might get you what you want.
I opened a checking account with Capital One in 2017. Once it was opened, I direct deposited the money that was in my Peruvian PayPal account. They immediately closed the account over money laundering concerns, and kept the deposited money. It was less than $200. It took me more than two months, complaints with BBB and OCC, and directly with PayPal to get my money back.
I opened an account with a local credit union instead.
That said, I can definitely see the appeal of a Capital One CC as it has no foreign transaction fee. Plus, since you already had an account with Capital One, you would almost think it was a slam dunk.
HSBC has no foreign transaction fees.
Bank of America Travel Rewards has no foreign transaction fees.
Chase Sapphire Preferred has no foreign transaction fees.
Good luck!
@YYY wrote:Hey ya'll
I have an issue with Capital One and was wondering if I could maybe get some advice:
I am an American national living abroad with a Cap1 checking account and I recently applied for a Venture X card. I was asked by Cap1 to provide a driver's license or state ID which I don't own. I offered to send my passport and SSN card but they don't accept those as means of identification.
I called them multiple times and spoke to supervisors but to no avail. Eventually, I had to cancel the application, and seems I can't use Cap1 cards as they can't verify my identity.
Has anyone experienced something similar or heard of anyone who was able to change this (identity verification pre-approval, not post-approval) or do you have any idea of what can be done here?
I did read about people who got approved for this card and then were asked for further identification - this isn't the case as I wasn't approved but was asked to contact them as I sent in my application.
My score at the time was 739 and I only had a Discover secured card. My credit score now is up to 759 and I'm thinking about trying again. Any advice here?
Maybe their policy is to approve cards only for residents of the U.S.
@SouthJamaica
For all they know, I am a resident of the USA. My address is in the USA in all my reports and banking information.Do you think applying with a VPN might help?
Maybe they are looking for you to prove that the address you've been listing is really your address.
No I don't think a VPN would help. It might raise suspicion even more.
I think you are beating a dead horse. It seems to me that this institution is not interested in lending to someone who is not a US resident. And if you claim you are a US resident, when you aren't.... well you know what that is.