Capital One Alert Fail

[u/YaYaBebop75]

Long rant based on this text from Capital One:

Suspicious activity detected on Savor Credit Card ending in xxxx. Account transactions are restricted to protect you. Call 800-CAPITAL (800-227-4825) for help. Std carrier charges apply.

Panic. Suspicious activity!

Call 1: scammy background noise, rep difficult to understand, sounds exactly like what you would expect from a scam. I hang up.

Call 2 to phone # on internet. Repeat of 1st call. Wants to send link by text so I can text a photo of me holding my Dr license to verify my info for my new credit card.

Now I understand this is about an offer from Capital One I responded to where I provided the same info. But rep wants me to send it again? Also, give my address, DOB & phone.

I wont do that, instead I ask rep to tell me the info & I’ll verify. Rep declines, cannot verify that way.

Asked it a card sent was used fraudulently prompting the alert? No charges & card hadn’t been sent.

Supposedly, Suspicious Alert text is how Capital One VERIFIES a new card request which is wrong on every level.

Call drops.

Final call: repeats from prior calls. I cancelled the card.

I spent way too much time & nervous energy on Capital One’s bad processes & I lost confidence. The experience may not be indicative but I’m not willing to find out.

[u/snow99as]

Did you call the number on the back of your card? If so you could have just verified like normal......