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Capital One Froze Accounts again!

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Creditplz
Valued Contributor

Re: Capital One Froze Accounts again!

They did that to me and never unrestricted it...
Message 21 of 49
Creditaddict
Legendary Contributor

Re: Capital One Froze Accounts again!

Huh?

If your referring to me, I can't apologize when I can't find an employee that can tell me what caused this and what they would like.
Message 22 of 49
Anonymous
Not applicable

Re: Capital One Froze Accounts again!


@wacdenney wrote:

Welcome to Crapital One!

 

Honestly...  Why bother messing with a bank like this.  There are plenty of good solid lenders out there and I know you have plenty of cards and access and you deserve better than to be treated this way.  Close the cards and give your business to a lender that values it. 

 

I'm really not a huge fan of the trend as of late to encourage closing accounts with no AF that are only a net benefit to hold on to, but in the case of C1 I definitely make a huge exception.  Closing C1 cards feels especially good and not having to call in and listen to their "customer service" reps read scripts is especially fullfilling.

 

Cash out whatever rewards you have and move on.  You are past the C1 stage of your journey at this point.


This.

Message 23 of 49
SunriseEarth
Moderator Emeritus

Re: Capital One Froze Accounts again!

Posts that were off-topic and created for the purpose of "flaming" other participants (as well as responses to those posts) have been removed from the thread.   Please note that "flame posts" and off-topic items are subject to editing or removal and can lead to suspension or loss of posting privileges.  

 

Thank you to those who maintained responses that were in line with our FSR standards on the board!   



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Message 24 of 49
ddemari
Super Contributor

Re: Capital One Froze Accounts again!

CA, even if you have roadblocks, you end up either getting things back or cutting your loses. At this point for anyone who has seen you on here, we know you like to push the envelope a bit with lenders and have no problem calling them and stating your case. Kudos for that. Im a lil shy on the phone lol.

 

One time capitalone restricted my venture visa signature when I first got it but it was for ID/wrong phone number purposes. I was on the phone with them for like 30 mins doing 15+ verification questions, which was a pain but then it was over and my card is fine. 

 

I hope you get it all figured out! kudos for sharing! 

Message 25 of 49
n777ua
Established Contributor

Re: Capital One Froze Accounts again!

OP - any update ? 

About $215,000 total credit among 11 cards
Message 26 of 49
Anonymous
Not applicable

Re: Capital One Froze Accounts again!

+1  Always that way with Cap 1.  Hope all goes well CA.  

Message 27 of 49
Anonymous
Not applicable

Re: Capital One Froze Accounts again!

I hope everything works out for you CA.
Message 28 of 49
Anonymous
Not applicable

Re: Capital One Froze Accounts again!

EDIT: Not worth the post I wrote.

Message 29 of 49
Creditaddict
Legendary Contributor

Re: Capital One Froze Accounts again!

Update 1: I called my EO number this morning and got a lady that sounded overseas and not EO, she put me on hold to reach out to the security department when after holding about 4-5 minutes the call all of a sudden released and some fraud specialist picked up (Not the EO way, so not sure what happened with my call into the EO to begin but anyway).

Fraud specialist asks for account info and verified and takes a minute to read notes and comes back and says back on March whatever you asked for the accounts to be closed, no?

I said, yes.

She said, well that is why they are restricted.

I said a lot has happened since that close request! I was contacted by EO and after they researched and reached out to your department it was agreed that my personal QS would remain closed if no more documents were provided but the 2 Spark cards were not involved with the original issue and therefore could be re-opened.

She says I have no notes on anything after closure! Do you have EO contact and name?

I said yes, and gave her that name and she placed me on hold to try to reach that department.

I was transferred to a new EO rep and was given information on my "NEW" Fraud specialist for "NEW" restrictions on the accounts but she had ZERO notes or info on why there was a new restriction and simply said she would have to send an email over to the specialist to contact me.

I said don't you see an issue here that my accounts have been restricted for weeks now and there are zero notes in the system since March 28 when I requested my accounts to be closed but your department re-opened them in April, and there have been no e-mails, no phone calls, and no letters pertaining to the new restriction and if this is the ONLY guy I can talk to, shouldn't there at least be a memo in my accounts so when I call into your overseas rep I don't end up playing a game of Telephone with a 4-year-old?!

She apologized but never could give me any answer other than she would send a note for him to call me to discuss the new issue.

 

I'll be back after I talk to him but this definitely feels like I need to terminate this relationship again and move on... the fraud feels like it's being committed on their side now when someone can lock an account and not leave any notes or make any contact to the cardmember so it's an option to resolve and I told that to the EO lady.

Message 30 of 49
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