Consumer complaint received 2016-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I recently took out a capitol one venture card. Within 3 day of actually having the card in my possession, capitol one put the card on fraud alert. To resolve the issue they asked me to upload a copy of my social security card and drivers license ( front and back ) to a capitol one 'secure ' portal. The representative I spoke with stated capitol one gladly accepts screen shots, as though my social security card and drivers license are funny text messages I am trying to send to my XXXX XXXX XXXX nephew. I did this and the next day I received a phone call from a capitol one representative starting that if I wanted the fraud hold to be removed so that I could pay the balance on the card, I would have to go into my own personal bank and do something she referred to as a 'verbal verification '. For this verbal verification I went to my personal bank, called capitol one, and let them speak with a representative at my bank on my phone. The bank representative then gave the capitol one representative a phone number to call, at which point they ended the call on my phone and the capitol one agent called the bank representative at the number given to them. They asked the bank to confirm that I had a state authorized drivers license and to confirm that it was in fact me on the state authorized drivers license. I sent them a legitimate copy of my social security card and drivers license to capitol one under the pretense that this would resolve the problem. It eludes me at to why this was n't enough information. But to add insult to injury, the only way that crapitol one will allow me to pay off the balance remaining on the credit card is by giving them the account number to my account at my personal bank. Through all of this, every crapitol XXXX representative I 've spoken with has literally sounded like a character in the movie 'straight out of Compton ' with extremely bad grammar and interpersonal skills. I have very good credit primarily because I am graduate student with virtually no credit. The fact that the company has taken me through the ringer for a card I had for three days is astounding considering my ex felon of a fiance has XXXX capitol one cards with no issues what-so-ever. I truly believed that what happened with capitol one was n't at all for my best interest but rather unnecessary red tape set up to cover their own XXXX. Building credit to live the American dream should NOT be this difficult. I will more than likely give capitol one my account number inform my bank and put a lock on my credit. But the fact that I have to take such measures to assure that capitol one and their wonderful customer service reps do n't truly XXXX me over is discouraging to say the least and goes against all that it beautiful and consumerist in this great nation. Maybe some day when I am PhD drowning in student loan debt curing XXXX to keep the wealthy CEO 's of capitol one forever young, I will be able to laugh at how ridiculous this whole situation was. I hope, however, that swift justice will be delivered to drains on our national economy like capitol one well before any of this ever happens.

Company response to consumer: Closed with explanation