Capital One Major Headache with trigger happy fraud department

[Kenro]

So I decided to take out my Cap1 QC out of the sock-drawer and upgraded it to Venture. Thought it would be a good idea for daily driver. Well, in 4 days I spent total of about 4-5 hours on the phone with Cap1 fraud dept. They decided that everything was fraud, in begining it was text messages etc which is irritating but fine... Then it was complete block of the account until you called them and got passed around. No crazy spending, just grocery store literally and one restaraunt which was rather embarassing. I can't imagine taking this card internationally at all.

The latest is hard lock with requirements of sending them my ID, Passport etc the whole lot, which honestly I'm not a fan of doing. I have no desire at all to use the card ever again.

In the end, I think I'm just going to throw it in the sock drawer and forget it all. Hopefully they'll just close the account themselves or just let it run with $0 balance. 

I think it just reminds you that it's not all about points and benefits. Calling Chase on J.P Morgan (Ritz Carlton Line) to resolve a couple of issues felt like driving a Rolls Royce versus a Lada after whole Cap1 debacle.

[NoHardLimits]

Spouse recently experienced the same issues that you described.  It all started with a mostly sock-drawered Quicksilver card that was pulled out and used for a few run of the mill small transactions.  The next thing you knew, all kinds of fraud warnings popped up with increasing levels of security interrogations.  Hours and hours spent on the phone with follow-up requests for proof of ID.  The card is back in the sock drawer.

[AndySoCal]

@Kenro @NoHardLimits If I had received the treatment you have gone through I would have closed the accounts.  I do not have a sock drawer either I use the card or I close it.

[NoHardLimits]

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@AndySoCal wrote:

@Kenro @NoHardLimits If I had received the treatment you have gone through I would have closed the accounts.  I do not have a sock drawer either I use the card or I close it.

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Unfortunately, it's spouse's oldest card by far.  About a dozen years older than the next oldest card.  Really should keep it open.

[Kenro]

Refused account closure until restriction is removed. That's the hillarious part.

[AzCreditGuy]

I also have this a sock drawer but I have built it up to $9,400....It gets used at Hertz randomly for my trips and today for food...But I know not to bother with everything else...That CL has taken me 8yrs to get..

[ChargedUp]

This sounds like how Chase was with me in the beginning... Capital One never seem to care what or where I use their cards, even internationally.

[OmarGB9]

I guess one way to try and prevent this from happening again (if and when it gets resolved) is to maybe not let it sit for too long without any activity. Maybe take it for a spin every few months or something.