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Old 02-02-2016, 07:12 AM   #41
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How hard would it be for them to contact the account holder and verify the email address they have on record? I am not asking them to do anything based on my word...I just know they have the wrong email address at present. Not sure what I am missing here, but minor in the overall scheme...
I agree. In this case the CC company should write advising the account holder that someone else claims to be receiving the accounts email messages. If nothing else, it is a security risk. The holder will not receive messages about profile changes or logons from unusual PCs and the like that we occasionally get.
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Old 02-02-2016, 07:48 AM   #42
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Today I got an email saying "I" missed my Jan payment, so the account holder missed his first months payment on a $374 balance. Never had a Capital One card, and never will (now).
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Old 02-02-2016, 07:56 AM   #43
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Everyone is not smart. That's a certainty.

With latest news of missing a payment, I suspect this is fraud, not just fat fingering an email address.

Formally request investigation? Probably good idea to put it in writing.
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Old 02-02-2016, 08:01 AM   #44
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Everyone is not smart. That's a certainty.

With latest news of missing a payment, I suspect this is fraud, not just fat fingering an email address.

Formally request investigation? Probably good idea to put it in writing.
I was thinking that too, but op has now shared that past due balance is only $374, hardly fraud worthy. Many times if its fraud app they'll run balance up and then run. Or they'll go into bust out fraud (Google search it) and really take bank for a loss.
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Old 02-02-2016, 08:03 AM   #45
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Today I got an email saying "I" missed my Jan payment, so the account holder missed his first months payment on a $374 balance. Never had a Capital One card, and never will (now).
This does begin to sound like the account holder is complicit in a fraudulent act. (You also mentioned that you received initial emails from Amex and Discovery.) You will only know if your SS number is associated with the account once you check your credit reports. Given what you know I think I would also freeze my credit for the time being until this sorts itself out. If you get an email stating that the account holder missed his second payment I would think that a call to Cap One's fraud alert department would be taken more seriously. In that case I don't see the harm in sharing your SS # with them. Does the notice via email use a name? Like Mr. John Doe; You have missed a payment?

FYI. I have a Cap One credit card and they have always handled my account very well. Their fraud alert department is very diligent. I am out of the country at present and they have called and emailed me about charges to my credit card, this despite the fact that I set up an away alert on their website. I suppose you could consider that incompetence but I call it an abundance of caution on their part.
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