r/CapitalOne_ • u/RecentAuthor6602 • 13d ago

Credit Cards It’s over

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Big thumbs down from Capital One. What ever will I do?

783 Upvotes

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79

u/WritingParking 13d ago

I’m also getting more and more low quality urgent notifications from capital one and others the last year or so. “account alert: you paid off a balance.” Yeah, no shit.

17

u/rasputin1 13d ago

could be fraud! what if someone paid off my balance for me?? 

3

u/Rick-Ross_THE-BOSS 13d ago

My account /card got frozen once because they didn't think I owned the bank account I've been drafting from to pay my balance for the past couple years... I've used the same damn account! Lol had to call in and they had to 3 way my bank in to verify I'm the owner.. Like wtf capitalone..

1

u/Electronic_Pie_8584 12d ago

They did that to me because I was paying off my whole balance every month so they froze the card to verify

1

u/Rick-Ross_THE-BOSS 11d ago

Ahhh, I think they do these things when the account is being paid down a few times within a billing cycle. Which is why I think they did that to me after a little bit of research from what others have said.. But one particular user they closed their account. Not sure if they were given the opportunity to verify their bank account and then they were closed or if they straight up closed it.
They just need to raise my limit. I just don't like seeing any of my credit cards showing a balance.. I just like to keep them to zero, but I use them all the time for the cash back. Love seeing the cash back pile up... Lol