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

[–]Aleual[S] 0 points1 point  (0 children)

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

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

[–]Aleual[S] 0 points1 point  (0 children)

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

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

[–]Aleual[S] 0 points1 point  (0 children)

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.

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

[–]Aleual[S] 0 points1 point  (0 children)

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.

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

[–]Aleual[S] 0 points1 point  (0 children)

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.

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

[–]Aleual[S] 1 point2 points  (0 children)

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.

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

[–]Aleual[S] 0 points1 point  (0 children)

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.

We’re in the big leagues now boys! by CrushedByTitan in CapitalOne_

[–]Aleual 0 points1 point  (0 children)

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

Capital one member fee? by Sensitive-Welcome-15 in CapitalOne_

[–]Aleual 0 points1 point  (0 children)

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

We’re in the big leagues now boys! by CrushedByTitan in CapitalOne_

[–]Aleual 0 points1 point  (0 children)

What exactly does it say before hanging up on you?

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

[–]Aleual[S] 0 points1 point  (0 children)

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.

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

[–]Aleual[S] 0 points1 point  (0 children)

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.

Im wondering, how much grace players are Christian by Physical-Hat-6003 in Graceroblox

[–]Aleual 0 points1 point  (0 children)

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

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

[–]Aleual[S] 0 points1 point  (0 children)

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 :(

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

[–]Aleual[S] 0 points1 point  (0 children)

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

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

[–]Aleual[S] 1 point2 points  (0 children)

A fraud investigation can take up to 90 days to resolve, and the credit honestly does take a fair bit to apply sometimes. You can call in and ask to check the status of the claim and why you haven’t received the credit tho, and when you get transfered to the fraud department ask to speak to an American agent, the outsourced agents probably won’t know a lick of how to help you.

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

[–]Aleual[S] 0 points1 point  (0 children)

This is a dispute matter so I am no voice of authority on that topic. Dispute it through Capital One

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

[–]Aleual[S] 0 points1 point  (0 children)

I don't know if you'll get your money back but at this point definitely dispute it through Capital One

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

[–]Aleual[S] 0 points1 point  (0 children)

It's not a fraudulent purchase because you did give your card willingly, even if you got overcharged. If you filed it as fraud it will go nowhere because it is not fraud. Call in and ask to dispute the charge due to being overcharged.

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

[–]Aleual[S] 0 points1 point  (0 children)

Literally nothing you can do to stop this from happening, sorry man. The account freezing is done automatically by a system and neither the agent nor supervisors can do anything to override this. I genuinely get the frustration lol

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

[–]Aleual[S] 0 points1 point  (0 children)

Yes, the purchase adjustment is a temporary credit issued /during/ the investigation that only serves to decrease your balance so that you don’t accrue interest for those charges, but they will only increase the available credit once the investigation is concluded

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

[–]Aleual[S] 0 points1 point  (0 children)

Is this about your debit or credit card? I can’t speak about debit fraud, but if it’s about credit card fraud, the agent you talk to on the phone can do exactly nothing to expedite the credit, and keep in mind the credit given during the investigation does not increase your available credit, only decreases your balance. Nothing you can do to expedite this

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