First Post! Capital One issue

[Fresh-Start]

Hi Everyone! I'm new to the MyFICO forums, although I've been lurking for a few weeks now.  Glad to be here!

Hoping I can get some feedback on an issue I had with Capital One last night.  I signed on to their website and discovered that one of my accounts was "Restricted" and they had a message for me to call in.  So I did.  Once I called in, the Customer Service rep told me that they had received a payment of $20 that I made through my bank like I always do, but that they needed to confirm if it was MY account that it was paid through.  Well, I was completely confused because this is my "Secured" account that I've had with them for almost two years now and have always used the same account to make a payment through my Banks' Bil Payer. 

 They wanted to do a 3rd Party call with my bank to confirm that the account was mine.  Well my bank (Bank of America) would not do that.  They tried for almost 45 minutes.  It was crazy!  FINALLY, after being passed around to various Cust. Serv. Rep's, I told them ENOUGH.  I would not go through this over a $20 payment that was made directly from my bank.  Eventually, they lifted the Restriction. But I could not believe out of no where they put me through all this drama over a $20 payment when I've made all of my payments in the last two years from the exact same bank account for various amounts and never had a problem..  Has anyone had this happen before with a payment made through their Bill Payer?

[injustifiiable]

It's a crap shoot, basically.

It hasn't actually happened to me, though...and I've been paying through my bank's bill pay service every two weeks on the nose for seven months now.

When they do flag accounts though, it's usually for "new accounts" and on "unusually large payments"..or some other BS...

[Fresh-Start]

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@injustifiiable wrote:

It's a crap shoot, basically.

It hasn't actually happened to me, though...and I've been paying through my bank's bill pay service every two weeks on the nose for seven months now.

When they do flag accounts though, it's usually for "new accounts" and on "unusually large payments"..or some other BS...

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Yeah they really seem to be sloppy and all over the place.  I've made payments for small amounts such as $20 and as high as $500 etc.. and have never had a problem until now.  It's wierd. 

I'm thinking of closing both of my Capital One accounts down in January anyway when when the Annual Fee's will be due.  I think it's time to move on.  They will continue to report though right? Because my Secured card is my oldest account.  It will be two years in Jan. 

[john398]

Unbelievable, for $20 they want to ensure the payments come from your account? I am confused what difference does it make?

[Fresh-Start]

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@john398 wrote:

Unbelievable, for $20 they want to ensure the payments come from your account? I am confused what difference does it make?

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Yes! Can you believe that mess?! Talk about fustrating!!! Especially the fact that it was a $20 payment!!!  And I kept asking her why they needed to "verify" my account when the payment came directly from my bank?!?!  It's not like I made the payment Capital One's website or over the phone etc...  It was sent in by the bank via the Bill Payer.  How much more validation do you need?!  Not to mention I actually had to speak to three different Customer Service Reps before it was resolved.   Capital One's Customer Serivce is a freakin' nightmare! 

[wallyworld123]

good for you for telling them enough. They have some nerve!

[Fresh-Start]

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@wallyworld123 wrote:

good for you for telling them enough. They have some nerve!

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Thanks!   Yes, while I am appreciative of them giving me a chance enough is enough of the poor Customer Service!  

[youngandcreditwrthy]

Wow.... They just hit a new low... Check your email, I noticed after my last conversation with them, I got a customer service survey in my email, and boyyyyy did I rate them accurately and detailed ;-)

[toppers555]

Speaking of Crapone. I just got done  raging them last night about a payment they held for 10+ days.

[Fresh-Start]

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@youngandcreditwrthy wrote:
Wow.... They just hit a new low... Check your email, I noticed after my last conversation with them, I got a customer service survey in my email, and boyyyyy did I rate them accurately and detailed ;-)

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Aww snap!! Gonna go check now!!!  And good for you!!!