The fun (and fraud) never stop with my Capital One account!

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dragon452
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The fun (and fraud) never stop with my Capital One account!

Postby dragon452 » Wed Apr 08, 2015 5:35 pm

Last June 23rd, I posted my story of how somebody called Capital One customer service, and had my address and telephone number changed (without my knowledge or permission of course). Their e-mail alert system informed me of these changes rather quickly, and I reported this, got a new account number, new card, etc. Today, I called Cap One to get my Venture Card World Mastercard APR lowered (I do this every seven months: the APR goes up by 4% to an unacceptable level for me, and I call them to get it lowered by 4% for seven months at a time). Anyway, I'm speaking with a supervisor, he gets the APR lowered once again, and then I ask him when the EMV chip cards will be sent out. He tells me that it will be very soon for Venture customers (first in line), then other Cap One cards. Then he says "I see a new card was sent out to you last October", meaning Oct. 2014, and I said "Well, I certainly did not receive a new card late last year, nor did I request one". As I metioned earlier, the replacement card from my fraud alert was in June, 2014, and the card was dated as such. HERE WE GO AGAIN! He closed the current account number, and I'm waiting for a new card to arrive in a week or two. Fortunately, no damage was done to my existing account in any way, but this mysterious "lost card" would never show up on their account change/fraud alert e-mails. It was just dumb luck that I asked about the EMV chip cards, and he mentioned a card being sent to me last October. STAY ON GUARD, STAY INFORMED! Thank you.


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lobbythis
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Postby lobbythis » Wed Apr 08, 2015 7:25 pm

Let me know if that new card actually shows up with a chip and they don't slip up again.

I have a Venture too and they just give the same response over and over about chipped cards. I just want to report it lost and have them send a new one. I would assume the new one would be with a chip, but they actually refuse to answer that question and just keep telling me to wait.

One reason why this has bothered me is because the new design appeared on their site less than a week after I applied and got my Venture. When I asked for a chipped version, they said no.

Same thing happened with Chase and my Freedom card. But, I called customer service, and without hesitation, Chase said no problem and sent me the chipped version of the Freedom.

dragon452
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Postby dragon452 » Thu Apr 09, 2015 2:07 pm

....Let me know if that new card actually shows up with a chip and they don't slip up again.

Hi, lobbythis. I'll certainly let you know what kind of card they send. Also, I have two Freedom Visas: when Chase dropped Mastercard last year, they sent a Visa EMV card to replace it. I still have an older Visa card with no chip, but I'll just wait for them to send a replacement at their convenience (but I won't wait past October, 2015). Have a great one.

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lobbythis
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Postby lobbythis » Thu Apr 09, 2015 5:04 pm

They seem to have the same problem as Comcast...every rep you talk to says something different.

I enjoy my CapOne cards, but I will say, when dealing with CapOne, you definitely need to be educated on credit because they will give incorrect information or just make stuff up to get you to shut up.

JamesMS
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Postby JamesMS » Wed Apr 15, 2015 11:00 pm

lobbythis wrote:They seem to have the same problem as Comcast...every rep you talk to says something different.

I enjoy my CapOne cards, but I will say, when dealing with CapOne, you definitely need to be educated on credit because they will give incorrect information or just make stuff up to get you to shut up.


Isn't that the truth.
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dragon452
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Postby dragon452 » Thu Apr 16, 2015 6:28 pm

Hi everybody! An update to the thread I started: I received the replacement Capital One Venture World Mastercard today (not bad, seven days to deliver). It is the standard "Midnight Blue" color, with a graphic of a passport page, the card's surface is flat: no raised account number, and the name/account/expiration date details are in the bottom left corner of the card in small print (hard to see from several feet away), and it has a silver colored EMV chip left of center. One funny thing though: the card came to me with no "activation sticker", reminding the holder to call the bank and activate the card when received. Customer service told me the card is "pre activated", just start using it immediately. OK, so much for this project. Thanks for your replies!

JamesMS
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Postby JamesMS » Thu Apr 16, 2015 8:21 pm

Yeah, that sounds like Capital One,
Main Cards:
Amex BCE
Amex Everyday
Bank of America Cash Rewards
Chase Freedom
Capital One Quicksilver
Citi Thank You Preferred

Spark Cash Back (Business), Amex Plum (Business)

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lobbythis
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Postby lobbythis » Thu Apr 16, 2015 9:09 pm

dragon452 wrote:Hi everybody! An update to the thread I started: I received the replacement Capital One Venture World Mastercard today (not bad, seven days to deliver). It is the standard "Midnight Blue" color, with a graphic of a passport page, the card's surface is flat: no raised account number, and the name/account/expiration date details are in the bottom left corner of the card in small print (hard to see from several feet away), and it has a silver colored EMV chip left of center. One funny thing though: the card came to me with no "activation sticker", reminding the holder to call the bank and activate the card when received. Customer service told me the card is "pre activated", just start using it immediately. OK, so much for this project. Thanks for your replies!


Well, that confirms what I thought. Thanks for the follow up. Gonna report lost and get my EMV card. The old style is so ghetto looking and the plastic film is already separating anyways. Annoys the crap out of me.

dragon452
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Re: The fun (and fraud) never stop with my Capital One account!

Postby dragon452 » Tue Jun 02, 2015 12:32 pm

Hi everybody! Just an update on Capital One's security protocols. I received a letter from them yesterday informing me that starting at the end of May, a personal password would be required to conduct telephone business on all transactions regarding my account. They provided a temporary four digit passcode to use for the first time calling them, and then you may replace the four digit passcode with your own personalized one. This is what I did with Cap One nearly a year ago after somebody changed my account address and telephone number without my knowledge (but I caught the change only hours later because of the Capital One e-mail fraud/transaction alert system). I changed the passcode through customer service. Be it known to all Capital One cardholders that you will not be able to conduct any telephone inquires or changes with them until a password is given...probably in addition to "mothers' maiden name", "what's your date of birth", "last four digits of your S.S. number", etc.

I suggest you make up a weird, random, unique combination of letters and numbers for your password, and also turn on their e-mail alert system (regarding changes to your account info). This is a step in the right direction for Capital One, and you can probably insist on doing the same "unique" password protection for your other bank cards. Thanks for your time!

luvbullmarkets
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Re: The fun (and fraud) never stop with my Capital One account!

Postby luvbullmarkets » Wed Jun 03, 2015 6:06 pm

To date my Cap One Venture One Visa is my ONLY card to get frauded. EMV can't come soon enough for Cap One.
Amex EveryDay, Amex BCE , Barclaycard Arrival+ WEMC, CSP Visa Signature, Discover it, Wells Fargo Propel 365 Amex

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