Ok, the day started out normally. Then for some reason I attempted to go look at my credit card statement. What a mistake. Guess they've implemented some new programming to screw with us.

The first thing it does is toss up a security question at me. That would be OK if it was a legitimate question, but they asked me one I didn't know. They wanted to know my maternal grandfathers middle name. So I bailed out thinking maybe its time for a new credit card company. Then they hammer me with an email to tell me my online access was disabled because of my failure to answer their made up question. All well and good, except I've never in my life seen or heard the old guys middle name. He's only been dead for about 40 years now.

So I call the number on my card to complain. No joy, so I asked for a supervisor who wasn't much help. His solution was to disable the access and for me to sign in all over from scratch. All the while my wife is digging for the now useless information. We dug up his marriage license, but no middle name. He didn't have one. I certainly would not have selected it as a security question.

It did no good to ask their phone voices. They only have the information they're given. None of it makes much sense to me. Its a guarantee to fail. Ask an impossible question and you don't get an acceptable answer. Bothered by this impossible question, we called my 96 YO mother. He didn't have a middle name. Neither did she or my uncles. I guess they came from a culture that didn't require it.

I've had my credit card well back into the last century. Can't imagine me ever selecting that question or answering it. The credit card people stood their shaky ground, insisting there was no programming problem. Its what they're taught to say I guess. Show no weakness. Even if they're wrong.

Is it time for me to branch out and try a different company?

If that was your only problem I would say no. No doubt that is aggravating. A couple of tips here. You can use the same answer no matter what the security question when you set up the account. You know like any word you want, the computer does not care. This does NOT work when they pull the questions from your credit report. Those are multiple choice and you have to know things like who you have lived with or what institutions where you have loans. Hope this helps.

This is one of my fears, that I will forget my telephone password with USAA and become the virtual equivalent of "The Man Who Never
Returned."

I will not speak, nor key in, my "Social" or any portion thereof. That is between me and SSA, no one else.

I know a lady that missed 2 payments on her capital one card,
they jacked her rate up to 16% , the next week.

they got really really pissy with her.
she e-mailed them and called them , more than a dozen times.

then they raised her up to 26 % interest .

she hired a lawyer to contact them and they raised her % rate and lowered her limit.

after 5 months she gave up and told them that until she and her lawyer could talk to a real person , they would not send any money.

after 6 years, they claimed that she owed $28,000 .

they closed her account with a mediator and got nothing , zip , nadda

quote:

I know a lady that missed 2 payments on her capital one card,
they jacked her rate up to 16% , the next week.

they got really really pissy with her.
she e-mailed them and called them , more than a dozen times.

then they raised her up to 26 % interest .

she hired a lawyer to contact them and they raised her % rate and lowered her limit.

after 5 months she gave up and told them that until she and her lawyer could talk to a real person , they would not send any money.

after 6 years, they claimed that she owed $28,000 .

they closed her account with a mediator and got nothing , zip , nadda

That is a comforting thought. Just remembered their annoying commercials with Alec Baldwin, maybe rburg should quit Capitol one on second thought.

quote:

Originally posted by JALLEN:


I will not speak, nor key in, my "Social" or any portion thereof. That is between me and SSA, no one else.

agree
amazing how many institutions don't like that response

Who is worse, Capital One or motorcycle riders?

Or it was set by someone else.

Had the same issue with my account. It was a multiple choice answer and neither the question or any of the answers worked. I hit "return" and the next screen had the security questions I'd put in long ago. Heck if I know. Maybe a filler question it detect scammers?

Seeing your problem, I just logged into my Capital 1 account and had no problems at all and no security questions to answer or anything else unusual. It's possible someone else tried to get into your account and submitted the wrong login and/or password several times.

quote:

Originally posted by Cycler:
Seeing your problem, I just logged into my Capital 1 account and had no problems at all and no security questions to answer or anything else unusual. It's possible someone else tried to get into your account and submitted the wrong login and/or password several times.

Or they got in, and set up their own answers that you could never answer.

With Alec Baldwin involved I'll never have one of their cards.

Well, remember when i asked for a recomendation for an an employment attorney?... try working at cap one corperate.


Something is up.

Fed removed the cash restrictions from every bank but cap one last week.

Just checked mine, no change. But I did recently have the mystery security question from some other company that I don't remember. I did not know the answer but took a guess and it must have been right.

quote:

Originally posted by ChuckFinley:


With Alec Baldwin involved I'll never have one of their cards.

That sums it up for me as well.

Really like citi. I always avoid the favorite food question. Depends on thr day of the week! The answers to my challenge questions also have nothing to do with the question.

I use a very basic password program that has an area for notes. I record the security questions there. I've had occasion to need it because sometimes, as the questions apply to me, they are all weak questions.

Maybe your answer was "none"

Close it out and get Discover. Best customer service I have ever had,every time I have contacted them.

quote:

Originally posted by JALLEN:
I will not speak, nor key in, my "Social" or any portion thereof. That is between me and SSA, no one else.

The insistence by Wells Fargo that I enter my SS# any time I used touch-tone banking to clear checks, is why I fired them.

Now seeing the other shenanigans that they were up to, I truly think I dodged a bullet.

This is why I advise avoiding large banks. If a bank is big enough to have a Regional Vice President, it's too big.

I have been trying to think of an experience I have had with a large bank that was satisfactory. I haven't so far, and I have had a lot of experience dealing with banks in my various business ventures.

I dealt with a comunity bank very satisfactorily for years. Not only did our companies have close to 30 operating and trust accounts with aggregate deposits in the several millions but one of the companies owned the building. I knew all the officers, all the directors, almost all the employees, and we got along just fine. The bank was bought by one of the smaller large banks. The day the change over occurred, things changed. Those managers who had treated me very well suddenly were "all business." I sent a large wire. The wire teller who knew me like her brother made me show ID!

The next week, a new community bank opened up and I moved all of the accounts. The difference was night and day!

I actually like the service I get from Chase bank. My wife has a "personal banker" at the local branch. My account is fee-free because I'm a veteran.

As far as credit cards, the best I like is American Express. They're easy to speak with, they have always sided with me on disputes and followed up for me when I continue to dispute after the merchant's response.

Before I got on a system to pay my credit cards regularly, I was always to call when they charge me interest and late fee when I forgot. But I've done this last part with all my cards from time to time.

The worst credit card service I've gotten was with my Credit Union credit card. Not from the Credit Union people themselves BUT from the card member service they use. I've had to call twice and those people managed to make me run around and mess up what I was trying to do. First was I wanted to call ahead to use my card overseas. They gave me the run around and ended up connecting me to a credit union that was not mine. Second was setting me up on apple pay and that service screwed it up for me again. I gave the Credit Union feedback on the company they were using.