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rickyrljr

Capitalone360 Checking

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So I’m back again repairing and rebuilding. I confirmed that I applied for a Capitalone 360 Checking account over 2 months ago and they denied me because of Chex. I do have a few negative credit union accounts on there. I froze Chex last night and re applied. I was immediately approved but said I had to call before account was officially open even though I received an email saying approved with last four digits of new account number. They just asked if I was a previous victim of identity theft and I agreed because I have. I have no default history with any major banks that use EWS btw. 

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Keep a non-Chexsystems account as a backup. If some account activity triggers a Loss Prevention review, they may run the report again once the file is unfrozen.

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Agree. Being approved doesn't mean they won't shut down an account a few days later. It does happen.  (:

If your Capital One account sticks, one benefit is when you use a Capital One debit or credit card at a Capital One Cafe, drinks are half price. I've got a few $2 frappacino type drinks at their cafes in Los Angeles and Boston.

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On 11/13/2018 at 11:01 PM, rickyrljr said:

So I’m back again repairing and rebuilding. I confirmed that I applied for a Capitalone 360 Checking account over 2 months ago and they denied me because of Chex. I do have a few negative credit union accounts on there. I froze Chex last night and re applied. I was immediately approved but said I had to call before account was officially open even though I received an email saying approved with last four digits of new account number. They just asked if I was a previous victim of identity theft and I agreed because I have. I have no default history with any major banks that use EWS btw. 

I did the same thing and my account has been open for almost 6 months now. I am also in EWS.

 

I keep a solid balance there and have direct deposit to the account.

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Good news!

Consider a backup account *just in case* something triggers a Back Office or Loss Prevention review. A questionable debit card transaction, billpay, deposits from a flagged bank ... there are several actions that could cause a Chex or EWS pull.

 

Years ago, after experiencing an account freeze I kept non-Chex non-EWS savings and checking accounts until my file was clear.

Edited by tmcgill

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