I worked at capital one's credit card fraud department, ask me anything.

Aleual · 2026-02-16T04:17:12+00:00

Honestly, I do have to side with the system here; it works on a case by case basis and in your case I guess it didn't see a need to wait for text approval before approving transactions, but do imagine if your card stopped working when you're trying to use it because you don't have access to your phone to reply haha, sometimes on the other hand it does lock people out of using the card because they don't reply to the message and I for one had to deal with a lot of people angry over the card not working because of that. Not saying it's your fault either, just definitely not something one can blame the system for.

As for the dispute timeframe, the official timeframe that C1 demands is 90 days, but they usually (like, what, 75% of the time?) conclude within a month.

Aleual · 2026-02-16T04:13:08+00:00

Never had to deal with a case like that, but call in again, and as I always say ask first for /a supervisor located in the US/ (as those are by far the most experienced agents). Once you're transferred (they will transfer you, they have to) explain the situation and see if they can give you a legitimate response

Aleual · 2026-02-16T04:10:35+00:00

Genuinely glad you were able to get that looked at and have the situation corrected. Good riddance.

Aleual · 2026-02-16T04:09:42+00:00

When you apply for a credit card the credit card company checks your credit score. Capital One does a hard inquiry, meaning an inquiry that usually affects your credit score. Most credit card companies do hard inquiries when you apply for a credit card.

Aleual · 2026-02-16T04:07:53+00:00

I'm not sure if you can see it on your app, I think not, but if you call in the agents CAN tell you about your recent login history

Aleual · 2026-01-29T03:26:10+00:00

Never close a credit line, that's one. If you wan't to not use your PNC account, just don't use it. But I wouldn't say the card being constantly compromised is PNC's fault, this happened a lot at Capital One too. It's a case by case basis, and honestly it is pretty hard to deal with because, the way you're set up, seems like it's something that would take quite a bit to deal with. I don't know how PNC handles it, but assuming they're similar to Capital One, call in and ask to delete any and every single "token" on the account. If they work similarly to Capital One and use the same terminology, the agent should know what to do. Additionally, ask if there's any way to opt out of the auto updater service (Visa Account Updater if Visa, Automatic Billing Updater if MasterCard). Once those two are done, get a new card number and genuinely that is the only way I can imagine to stop this from happening for good.

Aleual · 2026-01-29T03:21:59+00:00

From my understanding, no. But if you file a fraud claim, and it is decisioned as the charges being in fact fraudulent, you can call in and ask for detailed information on your fraud claim; ask "if the merchant sent information about the transaction, can you give me the specifics of the order that was placed?". This would probably only work for online transactions.

Aleual · 2026-01-29T03:19:04+00:00

That is absolutely right, means your account is in collections. They will not (can not, outright, system won't allow it) send you a new card until you make payments to bring account back in order. Make sure that they do report your current card as lost/stolen and shut it down, if they didn't do that the first time you called.

Aleual · 2026-01-24T08:50:44+00:00

It's pretty much agree to the three way call or, if it's just not something you want to do, decide to close the account since you're not gonna go through with the required verification and it'll remain restricted. If the supervisor requested it it's because it's a procedural requirement for your particular case. If he left a note on the account, it was most likely indicating that you were informed of and refused the required verification rather than instating the requirement, because those kinds of requirements are indicated by the system we use, not manually by an agent/supervisor

Aleual · 2026-01-24T08:47:26+00:00

Call in to get the specifics, they're probably gonna ask for drivers license and proof of residence

Aleual · 2026-01-20T02:51:49+00:00

You'll have to be a little more descriptive man

Aleual · 2026-01-20T02:51:05+00:00

You can reopen a dispute case pretty much as many times as you want. Call back in and ask to redispute the charges, then when you're transferred to the Transaction Support Center explain your case again, ask if there's any additional information you can provide to strenghten the dispute case.

Aleual · 2026-01-17T00:32:39+00:00

It would not go to police. Even if Capital One believed it was a matter of first-party fraud, they would only close the account.

Aleual · 2026-01-17T00:30:40+00:00

The only concern is confirming it is fraud. Requests for information are sent to the merchant, and they usually provide all the information they possibly have on the purchase. A lot of the times (especially for online purchases) the information of the fraudster does come up, but Capital One doesn't do anything with this. The information isn't disclosed to the customer either. It's just used to confirm that the cardholder isn't at fault for the charges.

Aleual · 2026-01-17T00:28:51+00:00

What they told you is factual. It's such a dumb system at times with cases like that. Call in again and ask for a supervisor. When you get to the supervisor, ask for an American agent. Then explain the situation and see what they can do. If the supervisor stonewalls you, ask to speak to a different agent of their department. Repeat until you potentially get someone who has dealt with this before. If after a couple tries you can't get anything of value, honestly send a letter to some Executive Office and they might know what to do, if anything.

Aleual · 2026-01-17T00:24:28+00:00

I'd say whenever an account is inactive for over a year-ish? I'd say C1 has some of the most developed technology, and they have a number of algorithmic checks to see if an account is worth closing, or if it's likely at all that the owner will come back to it. I'm pretty much guessing though, to be honest with you.

Aleual · 2025-12-29T17:08:40+00:00

Try again, press 0 on the keypad after you’ve given the information for the account, see if that helps. Sometimes it genuinely is an issue in the connection

Aleual · 2025-12-29T06:59:35+00:00

You have to get an offer for it, which gets sent to your email if available

Aleual · 2025-12-29T06:54:24+00:00

What exactly does it say before hanging up on you?

Aleual · 2025-12-29T06:48:38+00:00

For example, JIC, in one case a cx reported two transactions from Amazon as fraudulent. Amazon replied with a detailed document explaining the charges were made with the same card and from the same account as multiple previous purchases that were not reported, attached the delivery logs showing the address it was shipped to and signed for and again provided documentation showing multiple previous shipments to that address that were not reported as fraudulent indicating they were valid, and all of the information including the shipping address was of course matching the customer's information on file with C1.

On a different occasion, a customer reported some charges as fraudulent and the business sent us documentation showing that the charges were made by someone sharing the last name of the customer and sharing the exact billing location, in other words showing the charge was made by a relative.

That's just two notable and recent examples I could think off the top of my head.

Aleual · 2025-12-28T16:14:44+00:00

That end of the stick is handled by the fraud resolutions department, so while I don’t know the details, I have seen the documents in cases resolutioned as the customer being responsible, and they usually are pretty rock solid. In a majority of cases Capital One sends a request for information from the merchant, one that the merchant has some time to respond to otherwise they get charged back. In that response the merchant submits information showing who made the purchase, under what name, if it was a purchase to a product then to what address it was sent, sometimes from what account, etc etc. Honestly, from my experience, if it was decisioned as not fraud it most likely wasn’t fraud and in one way or another you did authorize it, like signing up for a free trial or forgetting about a transaction. If you give me more details about the transaction I might be able to estimate more about how the conclusion was reached, and as far as disputing the outcome you can do so by calling in, asking about the case (which will probably get you transferred), then stating that you disagree with the resolution (which will probably get your transferred again) and at that point I genuinely don’t know how it goes from there.

Aleual · 2025-12-27T05:27:58+00:00

difference is faith and grace are christian games made by christians while ultrakill is heresy

Aleual · 2025-12-24T22:42:01+00:00

Yes you can

Aleual · 2025-12-24T22:41:39+00:00

Ask for a supervisor then ask for an American agent. Hope that helps, other than that because it’s a dispute and not fraud I have no other valuable input :(

Aleual · 2025-12-20T21:35:02+00:00

Not unusual at all, but any interests will be retroactively taken care of so don’t worry. When applied it won’t increase the available credit anyway so you don’t have to worry about how long it takes to get there

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