Capital One Card Restricted

[Anonymous]

Hi question.  I have a 4 month old cap one card that i have never missed a payment for and have a 50% utilization on.  I recently wanted to make a payment for 20.03 to bring the balance down.  But for some reason, the bank occured a error and the payment was sent back to my bank, now my card was restricted. this is not the first time this has happened, i went to make a payment on the card and forgot to change my bank info over to the new one and that payment was denyed.  But i did resubmit the payment with no issues.  

Is my card restricted for good or can i have it reversed?  The card is in good standing.

[vish1]

What does Cap1 say about why is it restricted?

[Anonymous]

So, there have been two instances where a payment had been returned to Cap1 by your bank for insufficient funds? I understand that Cap1 is pretty nervous about things like that.  I don't know how long the restriction is and the only thing to do would be to call.  Maybe call the backdoor number?

[JayRizzo]

Use the number with xxx-707-xxxx.  That gets you directly to the Sr. Account Manager's escalations department.

[Anonymous]

i have not used that number, i used a xxx-239-xxxx, but they said once my new payment posts monday (weekend) i will have to call and it will get lifted right away.  Not a fraud thing, just a payment got recalled thing.

They were cool about it