Capital One locked my account after $5k spend, then couldn’t verify me for a week…so I cancelled
Wanted to share my experience in case anyone is considering Capital One.
I opened a Venture card and put about $4k–$5k on it in the first few weeks. No issues at all. Then on 4/11 I get a text saying there’s “suspicious activity” and I need to call. I check the app and the restriction is legit.
I call immediately. Turns out it’s NOT suspicious activity. They just want to verify my identity.
Fine.
They ask for ID + utility bill. I upload both right away.
Then…nothing.
No email. No text. No update in the app. I check every day for a week.
On 4/17 I call back. They tell me my ID wasn’t valid because it didn’t include the full image. This was news to me, since no one reached out. I re-upload while on the phone. Then they say they also need the BACK of the ID. Again, no one had told me this.
I upload that immediately too.
They say they’ll follow up. Ask for my availability for a call.
No call. No update.
Today, I call again and basically say: I just need this reviewed and unlocked. Everything is submitted.
Response: “We understand, but you have to wait.”
No escalation. No internal messaging. No timeline.
I even asked if they could contact the verification team directly (Teams/Slack/etc). Nope.
Called again through a different line. Same result.
At that point I told them: if this is how it works, just cancel the card.
They cancelled it immediately. Cancelling, no problem. Helping, no way.