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My wife and I each applied for new Capital One credit cards.The cards arrived yesterday.

My wife activated hers, used it once, tried to use it at an ATM but had problems with the PIN #. Called customer service. Tried to make another purchase, declined. Called again and told card had fraud hold.

I activated my new card a couple hours later. Used it 3 times locally for small amounts over a couple hour time period. Then got declined for a $3.98 transaction. Called Capital One and told I now have a fraud alert on my account.

We both faxed in all of the requested documentation yesterday. Told it takes 4 business days. This is unacceptable Capital One! How ironic that we each have exactly the same thing happen the same day with two different accounts and two different people.

We have two other Capital One credit cards and an auto loan.I think we'll be taking our business elsewhere.

Review about: Capital One Credit Card.

Monetary Loss: $1000.


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Soon as the guy called me "boss man" and told me "it is what it is" I hung up the phone, thankful that I read online that real banks dont need any I.d. to activate a credit card....CAPITAL ONE IS FRAUDULENT, THE POLICE SHOULD INVESTIGATE THEM.


I received an invitation to apply Venture card.filled application, went thru credit check, got approved, and received Venture card today.

Having trouble activate on either smartphone or online, I called Capital one bank then was asked to provide three more documentations.I just said "No thanks" and hung up ...


Applied for a business card.They requested I fax my EIN letter from the IRS.

No problem. Makes sense. I wait 10 days, get the card in the mail. Yay, go to activate it and i'm transferred to the fraud department.

They say I need to fax or upload my photo ID and wait 3 days. Slightly annoyed, but sure whatever i'll do it. 4 days later, someone from Capital One calls me and says that my ID isn't good enough and that they now need a copy of my social security and a utility bill. I tell her I lost my social security card and can I send a birth certificate instead?

I guess thats not good enough. It's the ultimate piece of ID right? It will take 3 weeks to get a replacement social security card. In the meantime MY ONLINE BANK ACCOUNT & RETIREMENT ACCOUNT WONT LET ME SIGN IN.

GREAT! So because I applied for a new card, you are going to restrict my online access to my bank account of 10 years? WHAT A F'ING JOKE OF A COMPANY.

If I had read these reviews I would have never applied for another Capital One card.You will never have my business again when you treat long time customers like this.


I've had the same thing happen to me.I only got the card because financial pages said it was a good way to build up my credit.

I applied, got approved, then had to reapply after waiting nearly a week to get the card. The credit report was pulled that day. I received my card in the mail shortly after that.

Activating it is like pulling teeth.

Spoke to the fraud department last Tues. and they told me I needed to send over a copy of my ID front and back. Did so and waited three days only to call again and find out that they needed a copy of my social and a utility bill with my address on it. I have to wait three more days to be verified.

I was planning on using the funds I'd been approved for for my rent and a bus pass.

Now I don't know when or IF I'll be able to use it.I asked the second fraud specialist if they would any more information and he couldn't confirm himself to a yes or no answer.

to icenectar #1399963

Did you ever get approved?


Yikes.These reviews are making me nervous about doing business with Capital One.

I applied for a card over a month ago. They requested proof of ID and social and address, so I faxed that all to them. They told me the fax was too dark to read, so they were denying me. But since they state in the application process that I have 35 days to comply with their application rules, I mailed hard copies of everything they wanted.

The post office LOST the registered return receipt parcel, but found and delivered it after a week. Capital One rep told me that they would have to do a SECOND hard inquiry. Not good. The first inquiry lowered my credit score by 10 points, so I didn't want a second hit three weeks later!

I asked to speak to a manager and was transferred to an office in the U.S. We talked for a couple of days, she prevented the second inquiry and told me the card was approved and in the mail. To be honest, I'm afraid to try and use it when it comes. This outsourcing is a big problem for consumers.

The people don't seem competent or knowledgeable and gave me different information every time that I called. I only applied to try and boost my mid-600 credit score, but the scoring system is arbitrary and makes no sense at all.

There has got to be a better way.I'm going to look into credit unions.

Kailua, Hawaii, United States #1344582

I have a Capital One card (no annual fee) I picked up about a year and a half ago with no problems and in good standing.This time my wife applied for the Capital One card (double miles, annual fee), we got the card and tried to activate.

We were told the same thing in comments below.....fraud activity and we needed DL, social security card, proof of address (mortgage bill, etc) to activate. Being she didn't have the original SSC (only the receipt portion)....it was not acceptable. I told them we already have the other card why so much security....beyond what seems like she was applying for a "secret clearance"!

What a waste of time.I'm going elsewhere.

to Ron Baltimore, Maryland, United States #1351521

I just applied for a capital one card in which I was approved but tried to activate my card for the first time and the said there was illegal activity on this card.Hmmm how is that it was never activated.

They requested a copy of my driver license in which I faxed it and I was told to give them 72 hours to verify my identity ok 72 hours is it they need another 72 hours. What it going on? My suggestion is even if you are approved by capital one please don't use this card or company because they do not have it together. Don't trust this company.

Save your cash or go else where.This is the worst company on the planet

to Tony Long #1417900

Do you have the fax number that they had you send your docs to? Can't find it anywhere online, and before we finished the call the guy forgot to give us the dang fax number.... ugh!

Trenton, New Jersey, United States #1343498

Just called to activate new card.Placed on hold and transferred to fraud department.

Asked several questions and then told to upload my drivers license within 14 days.

Asked if this was random, and they said no they are trying to prevent fraud.I said well you sure know how to scare people and make them nervous and worry while being placed on hold and told fraudulent activity going on.

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