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nisipriusAdvisory BoardPosts: 44811Joined: Thu Jul 26, 2007 9:33 amLocation: The terrestrial, globular, planetary hunk of matter, flattened at the poles, is my abode.--O. Henry

Why did capital One 360 speak my cell phone couldn"t be verified?

Postby nisiprius » Sat may 12, 2018 5:54 pm


I was trying to include a new bank account at a local bank to the list of banks attached come my capital One 360 account because that ACH transfers. I"ve done this prior to in the previous with no problems. One step in the procedure involves text massage a six-digit password to my mobile which I need to get in online. One more is the usual tell-us-about-the-two-small-deposits-we-made. I"ve had actually the capital One 360 account since 2002 and my name, address, phone, email addresses etc. Are all registered with them and also haven"t changed in at least three years.This time, once I got to the part where the was an alleged to message the password to my cell phone, it stated "before we send girlfriend the code, we must verify her phone." This seemed bizarre due to the fact that the whole point of text massage the code was come verify my phone. How else could it it is in verified?It climate came back with one error, saying that it couldn"t verify my phone, so the wouldn"t message me the code, and I would have actually to complete the procedure in some other way. Unfortunately ns didn"t take it a display screen capture, but if i recall appropriately it was saying that this can happen if a) mine phone wasn"t provided in a catalog (it"s a cell phone, it"s not an alleged to be provided in any public directory) or b) I had not "registered" my phone v my cell phone company (which is nonsense--it"s not a burner call or anything choose that, it"s a TracFone and also they have my credit card number and billing address--and what difference would that make, due to the fact that my cabinet phone agency should not be share that details with anyone?).When ns tried come iron it out v a customer organization representative--who began by texting a password to my cell phone and having me review it back!--he basically simply kept digging in his heels, speak there to be nothing he could do around it because "our back end protection system" couldn"t verify that my phone was mine. I pointed out that he had just proved my call himself, yet he said there was no means he can tell his system to tell that to their other system.The just thing that"s changed since the last time I included a financial institution account is the I placed a credit freeze on my credit cards. Ns wonder if that"s it. Yet my copy that the credit report doesn"t have my mobile number ~ above it. Walk anyone have any kind of idea what to be going on? Is the transaction that basically I"m being discriminated against because I have somehow controlled to store my cell phone number the end of the hand of credit transaction bureaus and also snooping agencies? "We have to be able to breach her security, because that your own security?"(After a most fussing, the turned out that even though they had sent one automated email to my email attend to two mainly ago confirming a credit card payment, your system additionally believed that my email address was invalid, and also they were able come tell their mechanism that, no, it to be valid, and their system then allowed me to proceed by emailing me a six-digit code for me to get in back...)
Annual revenue twenty pounds, yearly expenditure nineteen nineteen and also six, an outcome happiness; annual income twenty pounds, yearly expenditure twenty pounds ought and six, result misery.

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Re: Why did funding One 360 to speak my mobile couldn"t it is in verified?

Postby SrGrumpy » Sat may 12, 2018 6:01 pm


Empathies. Ns have had the same trouble with funding One cellphone verification. I dubbed them, and they took care of it (somehow).P.S. Yes, i remember. I have actually a pay as you go phone. The was the problem.
Last edited by SrGrumpy ~ above Sun may 13, 2018 12:02 am, edited 1 time in total.
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sportPosts: 10604Joined: Tue Feb 27, 2007 3:26 pmLocation: Cleveland, OH

Re: Why did resources One 360 speak my cell phone couldn"t be verified?

Postby sport » Sat may 12, 2018 8:29 pm


There room a the majority of other banks. Ns would think about finding one that that was less troublesome.
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KatietsuPosts: 5348Joined: sun Sep 22, 2013 1:48 am

Re: Why did funding One 360 speak my cell phone couldn"t it is in verified?

Postby Katietsu » Sat may 12, 2018 10:01 pm


It is a trac phone. That method it is thought about a prepaid phone. Every trac phones are. Prepaid phones typically can not be offered for such verification processes. Girlfriend would have the same trouble with make the efforts to obtain an IRS transcript online.However, there need to be one alternate process available.

Re: Why did resources One 360 say my mobile couldn"t be verified?

Postby mouses » Sun may 13, 2018 1:44 pm


Katietsu wrote: ↑Sat may 12, 2018 10:01 pmIt is a trac phone. That means it is considered a prepaid phone. All trac phones are. Prepaid phones typically can no be supplied for such verification processes. Friend would have actually the same problem with trying to achieve an IRS transcript online.However, there should be one alternate process available.
I had actually the IRS problem, yet I have actually a consumer Cellular phone, i m sorry is definitely not a prepaid phone. The alternate process was they sent me a password via postal mail.
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nisipriusAdvisory BoardPosts: 44811Joined: Thu Jul 26, 2007 9:33 amLocation: The terrestrial, globular, planetary hunk of matter, planarization at the poles, is my abode.--O. Henry

Re: Why did capital One 360 say my mobile couldn"t it is in verified?

Postby nisiprius » Sun might 13, 2018 2:13 pm


Katietsu wrote: ↑Sat might 12, 2018 10:01 pmIt is a trac phone. That way it is thought about a prepaid phone. Every trac phones are.
Prepaid phones commonly can not be provided for such verification processes. Friend would have the same difficulty with make the efforts to attain an IRS transcript online.
You haven"t been able to obtain a TracFone without registering through them, in eons, if you ever could. The call doesn"t simply work out of the box.
Eventually they made decision that the email address I have actually in mine account profile, which has actually not changed in about ten years and also to which lock send email at the very least once a month, to be valid, and their mechanism was willing to validate my via email. It"s a regime PITA, and it was resolved--but ns wish I taken what the problem was. Is this discrimination versus non-oligopoly mobile providers?
Annual earnings twenty pounds, annual expenditure nineteen nineteen and also six, an outcome happiness; annual income twenty pounds, yearly expenditure twenty pounds ought and also six, result misery.
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Re: Why did capital One 360 to speak my cell phone couldn"t it is in verified?

Postby HueyLD » Sun might 13, 2018 2:32 pm


Non prepaid phone plans require an SSN and also such info is report to credit bureaus. However, prepaids don"t ask because that SSN. I think the phone call verification procedure goes thru a credit transaction bureau come validate your phone number, no the carrier. So, a prepaid call or a credit transaction freeze can cause verification problems.I have the very same verification trouble with mine Tracfone, but I am not willing to acquire a non prepaid plan that expenses many times more.

Re: Why did capital One 360 to speak my mobile couldn"t be verified?

Postby cherijoh » Sun may 13, 2018 2:46 pm


Katietsu wrote: ↑Sat may 12, 2018 10:01 pmIt is a trac phone. That method it is considered a prepaid phone. Every trac phones are.
Prepaid phones frequently can not be used for such verification processes. Girlfriend would have the same difficulty with trying to acquire an IRS transcript online.
You haven"t to be able to get a TracFone without registering through them, in eons, if you ever before could. The call doesn"t simply work the end of the box.
Eventually they chose that the email address I have in my account profile, which has actually not readjusted in about ten years and also to which lock send email at least once a month, was valid, and their mechanism was willing to validate mine via email. It"s a regime PITA, and it was resolved--but ns wish I taken what the difficulty was. Is this discrimination versus non-oligopoly cell phone providers?
I didn"t establish you were a conspiracy theorist.
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my guess is that it was either a glitch in the mechanism or they walk a bad job in making their interface. Error messages on websites room notoriously inaccurate, since any type of issue castle didn"t think about defaults to one last catch-all error message. Unless the whole system is down, I never ever expect the customer service rep to be able to tell me why anything occurred the method it did. Thursday, I called Customer service for a grocery keep who sends me coupons since I"m in their commitment program. I wanted to permit them understand that I had actually just received an e-mail with a "Spend $100 and also get $20 turn off coupon". The only difficulty was the coupon had actually expired the vault Sunday.
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The CSR was very nice and also apologized however had no reservation what had happened - which i didn"t really expect. I just wanted come let someone know that their digital marketing team had actually blown it big time!FYI, ns haven"t tried to gain a code for the IRS transcript, yet I have used my Tracfone numerous times to get a code to get in for verification when resetting online passwords etc.
RonPosts: 6798Joined: Fri Feb 23, 2007 7:46 pmLocation: Allentown–Bethlehem–Easton, PA-NJ metropolitan Statistical Area

Re: Why did resources One 360 speak my cell phone couldn"t it is in verified?

Postby Ron » Sun might 13, 2018 4:59 pm


Only poor people usage burner phones - or therefore they portray in police series on TV! - Ron
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CarsonPosts: 763Joined: Fri might 09, 2014 3:26 pm

Re: Why did funding One 360 say my cell phone couldn"t be verified?

Postby Carson » Mon might 14, 2018 7:40 am


Interesting! I had the same exact trouble when ns tried to start using the Zelle P2P service on my resources One account. Ns think I spent 4 hrs running in circles on it one day. It was an extremely frustrating.I ended up getting it resolved somehow, yet it did take a couple of calls to funding One. And also I do have a prepaid phone arrangement with ATT. However I feel like this is something specific to resources One. Ns have had actually no worry using mine phone # for verification codes v Symantec, Vanguard, or some various other services.

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30-something personal finance enthusiast, just acquire getting started on this whole portfolio thing.
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