I understand your desire to protect us from fraud. I really do. But I’m getting seriously pissed off that every time I try to use my card it is declined for suspected fraudulent use. Micro-payments at Amazon are a fact of life these days and a 1.20 storage fee for Amazon S3 does not indicate that someone has ripped me off. Also, I like to travel. A purchase from Orbitz and Amazon followed by an attempted purchase at a clothing store should not be enough disable my card for suspected fraud, yet that is exactly what seems to happen. Last year at this time, soon after I purchased my tickets to Belize, I went to Bass Pro shops to get stocked up for my trip… just some clothing, repellent, etc. Card was declined. This year after buying my tickets to Belize I made a trip to Bass and guess what… Yep… Card was declined.
Dear Capital One… Do you detect a pattern? Perhaps I go to Belize every spring and every April visit Bass Pro Shops after buying a ticket to Belize??? For the love of God, that does not mean my card was compromised.
And to the idiots with whom you hire to answer the phones, please stop arguing with me about whether or not you called me to warn me that my card was being marked as fraudulent. The number you have is my cellphone and it is on my person at all times. There were no messages and there were no missed calls. Not at least from anyone speaking in English… (why Spanish computers decide they need to call me, I’ll never know). If you can’t tell me the date and time of your attempt to reach me, I don’t believe that you tried. I’m sorry, I just don’t. And even if you did try, don’t you think that more than one attempt would be appropriate if you are about to disable my card????
Since I’m a problem solver, I’m going to make a suggestion.
Capital One. Please… if you try to call and can’t reach me, leave me a message. And after leaving me a message, drop me an SMS and/or an email to let me know what’s up. You already have my information and it’s not that hard to do. If you really want to be cool, send me a direct message on Twitter. A one eyed monkey with his no arms could code that feature into your software in an evening or two. And as a bonus… it would be great if I could authenticate the charges made over the website. I see my recent activity already. It’s simple enough to check them off and say…. YEP, It’s Me!!!!
That alone would have prevented the situation that arose yesterday and the irritation of having to talk to your middle school dropout minions who answer your phones… but if I absolutely have to call… would it be too much trouble to fix your damn phone system? When you press 0, it should take you to an actual person. After 10 minutes of circular menu navigation and hearing my balance repeated 6 times, I finally gave up and repeatedly hit 0 until someone answered. I counted about 60 zeros. I guess 60 must be the magic Capital One secret number, but really, only one should suffice.
So please, dear Capital One… live up to your no-hassle promises or I might have a different answer to, “what’s in your wallet”.