Help asap Capital One sent AML Notice

[SaintSeiya]

I received the following from Capital One. What happens with a AML review? Do they go over your transactions inquirying why the amounts were large or will they ask for bank statements and or tax documents or is it a simple yes and no answer?

As part of our efforts to comply with federal law, we gather, maintain and periodically update certain
information about our customers. We took a look at this account and noticed that some information needs to be confirmed.

• We'll need to hear from you by or this account could be restricted.

[GreatLife]

Maybe they just want you to formally update something that's required by federal law and already on file in their records, such as current income. The notice says 'confirmed', not verified. Did you recently request or receive a CLI?

[FicoMike0]

We 'choo talk'in ' bout, Willis?

[SaintSeiya]

No my balances increased on my cards and scored drop by 20 points this month credit karma score around 680 utililzation is 27%. Just

try to figure out the nature of the questions they will ask 

[SaintSeiya]

A few months ago I ignored the prompt asking to update my income! I'm nervous and trying to figure out what they will ask me 

[FicoMike0]

Sorry to hear about the Acute myeloid leukemia. If you're getting treatment from capone, is get another opinion, lol.

[SaintSeiya]

Someone forgot to take their meds 😱

[NoMoreE46]

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@SaintSeiya wrote:

I received the following from Capital One. What happens with a AML review? Do they go over your transactions inquirying why the amounts were large or will they ask for bank statements and or tax documents or is it a simple yes and no answer?

As part of our efforts to comply with federal law, we gather, maintain and periodically update certain
information about our customers. We took a look at this account and noticed that some information needs to be confirmed.

• We'll need to hear from you by or this account could be restricted.

---

I havent seen an AML review here before but it is serious.

You need to provide us more details- like which one of your four C1 cards does the review entail,  the credit limit and the declared income on the app. 

Did you have purchases that are out of the norm: high dollar gift card purchases, cash advances, crypto?  

[SaintSeiya]

Ive been maxing out my card and paying down the balance for more then a year recently time my statement dates incorrectly didn't miss a payment but balance increase score dropped by 20 points! Biggest spending comes from sending money via friends and family paypal transaction. 

[GreatLife]

Ok. So I googled..found your same inquiry posted on Reddit, also that anti money laundering appears to be the Cap1 concern for your account. Pick up the phone and call them. Perhaps unrelated actions of a recipient for your hard money transactions raised an alarm? Please let us know the outcome.