I've had this card for several years. Always paid on time, happy with everything until it got compromised due to a fraudulent attempt this weekend. Thankfully with the Capital One Wallet app, I caught it right away and locked my card. I called in to get it closed and replaced. When the new card arrived, a sticker on the front read that it was already activated- that was new/different than ususal, but I shrugged it off and put it in my wallet. Unfortunately, when I went to use it the next day, it was declining. I logged in online and it said my new credit card account was locked and I needed to call the fraud team. Very strange, since I thought the fraud was handled and this was a new card. I called in, and they told me my credit card address was flagged as "bad" and I needed to provide my driver's license scanned back-to-front, proof of residence, and my social security card scanned to get the hold removed. Wait, what? Why should I have to do any such thing after being a recent victim of fraud? What made even less sense was that the address the fraud team flagged as "bad" is the same one I do all my Capital One banking at, where my credit card has been registered for months, and where they shipped the new card. And if they genuinely felt my address was even potentially "bad" or "fraudulent" (both suggestions are logically absurd), why would you bother to ship the new card here?! That above all else shows clearly, the issue is rigid customer service, not my actual consumer safety from fraud. To me, it sounds like a computer algorithm flagged something erroneously, and a human needs to take the extra step to apply the logic at hand to remove that flag for a loyal, paying customer. No such thing at Capital One "fraud protection" services! When I tried to explain all this to the rep, I was pretty much ignored. I needed to give them all the aforementioned information, and that was the only solution to a problem I didn't create. No option to escalate to a manger who could help out, no application of basic logic (why suddenly flag this address out of the blue? Why not just call the banking side of operations and cross reference that my address is the same across accounts and settle it that way?). I was so fed up being ignored by the rep, I thanked them and ended the call, and tried calling in again to hope that a human would answer this time. Same roadblock reasoning! The computer is the be all end all. They have no interest in doing their job (customer service), just ticking off whether they got all the information required to clear the flag. So I'm done with it- the new card can stay on hold, and I'm moving on from QuickSilver. Capital One has enough of my information, and if this is how they treat a loyal, paying customer when fraud occurs, then I'll take my credit card business somewhere that can handle it right. Don't make a customer twice the victim in the name of "security" (again, so secure you shipped the card here). Use your heads, and train a team equipped to provide actual customer service, insted of blindly following an auto prompt. If you can't, at least develop a protocol or route for things to get escalated to a manager than can help.
