Got a Capital One credit card? :: Free Realms

Quote Reply

#1 Nov 30 2005 at 2:45 PM Rating: Good

__DEL__1695601009560

Guru

18,463 posts

So I'm making my yearly calls to the 'ol credit card companies, making sure my rate is as low as I can get it when I see this in my inbox:

Quote:

From : Capital One Bank <service@capitaloneonlineservice.com>
Sent : Wednesday, November 30, 2005 11:42 AM
To : "Subscriber"
Subject : Capital One Alert Message

Dear Capital One member's

We recently reviewed your account, and we suspect an unauthorized ATM - based transactions on your account. Therefore, as a preventive measure we have temporary limited your access to sensitive Capital One features.

To ensure that your account is not compromised please login to Capital One Internet Banking by clicking this link, verify your identity and your online account will be reactivated by our system.

To securely verify if your account is compromised Access your Capital One Online Account.

Login to Online Banking Account

If at any time you require assistance, please contact our Online Account Services customer hotline at 1-800-951-6950 24 hours a day, 7 days a week.

Thank you for using Capital One Online Account Services.

Important Information from Capital One(R)

This e-mail contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted. Capital One and its service providers are committed to protecting your privacy and ask you not to send sensitive account information through e-mail. You can view our privacy policy and contact information at www.capitalone.com. If you are not a Capital One customer and believe you received this message in error, please notify us by responding to this e-mail.

Capital One Bank, Capital One, F.S.B., members FDIC.2005 Capital One Services, Inc.

I immediately noticed
a)the misspelling
b) the fact that I never use my credit cards at the ATM
c) the fact that I closed this card last year
and called Capital One fraud's number. It turns out that some freak is sending out these emails to some outdated customer lists which send you to a page where you can log in as a user, and then it asks for your social, dob, password, and all other kinds of sensitive info so it can 're-instate' your account.

Be careful if you have a Capital One card.
'Tis the Season for THIEVING!!!!

▲ Page top

Quote Reply

#2 Nov 30 2005 at 2:51 PM Rating: Excellent

__DEL__1607300319902

Guru

1,863 posts

It isn't just them, though; phishing mails like this go out all the time. I get a couple for Paypal, Ebay, and Comcast every single month.

Back in the day they were really easy to spot - half of them read like Nigerian 419 scams. Now they're getting more sophisticated. I've seen a few that look authentic, with appropriate spelling, corporate graphics, all the bells and whistles - but when you check the source to the embedded links, they don't go where they ought.

Sometimes the target server names are very close, and sometimes they use tricks to masquerade the site name (after you've clicked their link, anyway).

It pays to stay alert. If you are going to do any online business with your financial instutions, make a point of signing in directly to their homesites. It's a five-second precaution that can save you a lot of worry.

▲ Page top

Quote Reply

#3 Nov 30 2005 at 2:54 PM Rating: Good

Thumbelyna

View User Forum

No Gag Reflex

10,802 posts

Wow, the thieves are getting more and more sophisticated with their thievery. Too bad they're not more advanced with the spelling and the grammar.

The one thing that most sites do prevent fraud is instead of acting you to click on a link within an email to be redirected, they ask you to directly go to the site to login in to your account. That's what I like about PayPal.

But thanks for reminding me to start calling my credit card companies to see if I can get a lower rate.

▲ Page top

Quote Reply

#4 Nov 30 2005 at 2:56 PM Rating: Good

__DEL__1695601009560

Guru

18,463 posts

That's how this one was. Very professional, all the logos and seemingly appropriate links, but if you looked closer, it was a dummy linked website and a phone number for website technical assistance.

▲ Page top

Quote Reply

#5 Nov 30 2005 at 2:57 PM Rating: Good

__DEL__1695601009560

Guru

18,463 posts

Thumbelyna wrote:

But thanks for reminding me to start calling my credit card companies to see if I can get a lower rate.

I just got a 7% on one that used to be 12%. Yay! Smiley: grin

▲ Page top

Quote Reply

#6 Nov 30 2005 at 3:13 PM Rating: Decent

__DEL__1592283091962

4 posts

I have a capital one card but never experienced this. They keep sending me notices though, that say they will never contact me and ask for any information regarding my account. I guess as long as you keep that in mind, you are safe, and that the internet is the DEVIL.

▲ Page top

Quote Reply

#7 Nov 30 2005 at 3:14 PM Rating: Decent

__DEL__1660522747496

View User Forum

Sage

23,925 posts

The Glorious Atomicflea wrote:

Thumbelyna wrote:

But thanks for reminding me to start calling my credit card companies to see if I can get a lower rate.

I just got a 7% on one that used to be 12%. Yay! Smiley: grin

I think Im at 17%

Looks like I have a couple calls I need to make.

Congrats Flea

▲ Page top

Quote Reply

#8 Nov 30 2005 at 3:17 PM Rating: Good

__DEL__1592279343580

View User Forum

Sage

981 posts

We just got our first credit card to help pay for this crappy move, and it is capital one. Got 14% and their lowest credit limit. Gotta start somewhere!

When we were first married we both had such bad credit we couldn't buy a car. Now we are paying back a car loan of our own and have a credit card...moving on up, heh.

▲ Page top

Quote Reply

#9 Nov 30 2005 at 3:24 PM Rating: Decent

__DEL__1704672981712

Scholar

10,755 posts

Man alive, I have about 75k in available credit cards, entirely too much. (Not counting car loans) I've consolidated and locked in a 3.5% for the lifetime of the balance on about 20k. (All I have out)

Having good credit pays off. You are able to spend money you don't have much faster!

▲ Page top

Quote Reply

#10 Nov 30 2005 at 4:24 PM Rating: Decent

Raolan

Scholar

2,496 posts

FUC[/sm]K CAPITAL ONE

I had a Capital One CC a few years back and I was enrolled in their payment protection program. What it does is freeze your account and makes the minimum payment if you are laid off or injured and can't work. With the economy the way it was I figured it was a good idea, until I got laid off and tried to use it.

Once I had been laid off (The way the industry was going I knew it was coming) I contacted Capital One to notify them just like the information on the program said I was suposed to. They told me that they would send me paperwork I needed to fill out and send back. They said it would take about 6 weeks to get the information.

After about 8 weeks I had never received the information so I called them to find out what was going on. I was then told that in order to take advantage of the program (which I had been paying for since day one) I needed to file the paperwork within 30 days of being laid off.

So I need to file the paperwork within 30 days but it takes 6 weeks to get it???

After about 4 months of going round and round with them my bill of just over $900 turned into a bill of over $17,000 and they refuse to give me a detailed list of my bill. When I ask about it they tell me that it is late charges and OTHER fees.

$16,000 worth of late charges and OTHER fees in 6 months is a load of bullsh[sm]it.

I have also talked to a few other people who have been slapped with huge "other" fees from Capital One.

I have also recieved several letters from various lawyers about class action lawsuits against Capital One for various reasons.

If you have a Capital One account I suggest closing it.

▲ Page top

Quote Reply

#12 Nov 30 2005 at 11:17 PM Rating: Good

__DEL__1695601009560

Guru

18,463 posts

Baron von AngstyCoder wrote:

Rise in phishing attempts as well, such as flea got.

I guess they need their Christmas $$ too.
I know Capital One sucks. Their abuse dept. was very nice, but the card itself and the services sucked, which is why I closed mine down about a year ago and switched to Citi.

▲ Page top

Quote Reply

#13 Dec 01 2005 at 1:32 AM Rating: Default

__DEL__1591863249373

4 posts

Phishers need their christmas gifts too!

Besides, what you can do is set up your Thunderbird to foreward all spam to that e-mail address.

Spam the Phishers!

▲ Page top

Got a Capital One credit card?Follow