Capital One are my United.
Earlier this year I noticed that my Capital One card had been compromised - a word I think we all lifted from binge-watching a few too many seasons of 24.
I was particularly happy because it meant that every one of my 3 credit cards had seen fraudulent charges over the previous 2 months. What can I say? I shop a lot at Target.
Months later, in fact on Memorial Day, I was enjoying an 8 mile round-trip walk to and from my office when Capital One called me to say that Card #2 had been attacked again.
Impressed that they had caught this one instead of me, I walked them through each fraudulent charge as I continued my hot and humid walk through Cambridge.
Card #3 arrived late May but it seemed like Capital One were slow to clear the fraudulent charges, so I didn't use the card in June.
By the end of June new fraudulent charges (I'm calling them fraud #3) had shown up on my statement so I called Capital One and they assured me this was just a hold-over from the previous fraud. I reminded them they had yet to remove the bad charges from May and they wiped them.
Happy and resolved I began to use Card #3 until last week when their fraud department called me again. It seems Card #3 was compromised with fraud #3 and they wanted to send out a new Card.
Given that I had not used Card #3 when fraud charges #3 occurred I had simple question. "How can I be sure that you won't screw up again?"
To paraphrase Capital One's fraud guy, "This time they would really tighten up their security process."
Obviously this annoyed me so I asked that they cancel my card and tell me my final balance so that I could pay off my outstanding charges.
He couldn't tell me that information. Instead he just re-explained what had transpired as if magically repeating the fuck-up would placate me 30 minutes into a phone call on a busy work day.
Today is 10 days later. It's a sunny day and I already have a new credit card from another (probably just as bad) credit card company.
Arriving home from another hot and humid walk around Cambridge I opened the mailbox to find, not one, not two, not three, but yes! Four letters from Capital One.
None of them were of any use.