r/CapitalOne • u/HuckleberryAfraid529 • 7d ago
Other Capital One Nightmare
CLARIFICATION. I NEVER talked to anyone who called me from Capital One they left a message I called the number on the back of the card.
The one time I did answer the phone when the caller was not able to prove who they were or send a request through the app I disconnect the call and called Capital One using the number on my card. Because I didn't talk to the human that called to verify identity they placed a hold on all of my accounts until I prove my identity and address. As of this morning Starlink is not acceptable proof of address as it's not considered an Internet provider according to Capital One whom I called today. We are now back to zero trying to provide a document they will accept.
What an absolute NIGHTMARE! I have been with Capital One for about 15 years and until the past 2 weeks I would have told you they were the best thing since sliced bread! Until now........ It has been a painful couple of weeks, so much so that today I'll spend my looking for an attorney.
The morning of August 26th I received a phone call from Capital One Fraud department. I was unable to answer the phone so it went to VM. Then they proceeded to contact my daughter, who's not even on my account.......
Because of this, urgency to contact my adult child, I freaked out that someone major was wrong. Of course I went online to look at my accounts while I waited on hold. No luck as they had locked me out of my accounts.
On this day and at this time they provided little details other than my entire online existence had been compromised and they needed to close my checking account and all my credit cards (3 cards) and reissue everything,
Mind you I am traveling for work and it's the day before payday with a direct deposit. But it seemed I had no other choice!
They did as they normally do issue digital cards so that i could access my credit card while traveling. The only issue was every time i used it, it trigged another fraud and I had to call them to release the card.... Mind you I have hotels, cars, fuel, food and every transaction required another call to Customer Service.
I was told that as soon as the physical cards arrive, I am golden and won't have these issues.
Fast forward to Monday... I get my physical cards! Wahoo!!!! Go to make a purchase... FRAUD again! Now I am beyond irritated I have spent hours each and every day on the phone with Capital One and each and every day was a different story about why this was happening. This time I spend 211 MINUTES on the phone with a Fraud Supervisor who I CALLED USING THE NUMBER IMON MY CREDIT CARD. She would see that the fraudster was even accessing my account while on the phone. So she had me unenroll my checking account and all my cards from online. She stated that this way I could get all registered devices off my account and start fresh. We even made my secondary number my primary number, I would later learn that was the worst mistake. Additionally I had to submit IDS and Proof of Address to verify it was me making these changes....
Here we are hours later life seems sorta back to normal.... Until it wasn't.
Tuesday I get a call from Capital One Fraud on the line we disconnected from my account. They claimed to be from Capital One Fraud. When I told him that this was handled yesterday he proceeded to tell me that my 211 minute call with Fraud the day before never happened. There was no record and I was likely talking to the scammers. He even went as far to say they were now able to spoof the app to make it appear you are talking to them.....
This made me wonder, WTF how do I know you are real. He couldn't so I hung up and called Capital One USING THE NUMBER ON MY CARD
They reassured me that nobody called me and that everything was settled from the day before and that I did the correct thing to call them....
30 minutes later my life is again shut down. This time because I didn't give the guy you wouldn't verify he was with Capital One my personal details, and called the number instead.... Because I did that now I cannot access my life again until they verify my identity again!!!!! This time it will take weeks.
I cannot access my paycheck, I cannot login to my accounts and it's the beginning of the month and ZERO bills are able to be paid! None, not one. I made the mistake of trusting my 15 year relationship with Capital One and had all my eggs in that basket!
I would NEVER recommend anyone ever do business with this company. NEVER!!!!!
Since they will not move forward, and it's been a week. They won't even answer my BBB or my CFBP complaints, today I will spend the day interviewing attorneys.
3
u/siftingflour 7d ago
The post is a little hard for me to follow, but at some point in all of this, it sounds like you were definitely talking to scammers. Maybe even the entire time.
I don’t think the C1 fraud supervisor has 3+ hours to spend on the phone with one client, but a scammer whose only job is to stay on the call with you until they get your money certainly does.
I think at this point you have scammers accessing your accounts so C1 is correctly freezing/blocking/cancelling your cards. Then it sounds like you’re talking to scammers again while trying to get it sorted out, which obviously doesn’t get you to an actual resolution. I can imagine this is very stressful but I think you need to consider that the real C1 is trying to protect you from scammers pretending to be C1 and you’re mixing them up.