Then it kept getting rejected. After an hour on hold, they told me that they weren't allowing transactions go to through "in the area" because the area was flagged for fraud. I was out and about for work, and this "area" so far is roughly a triangle between Dudley Square, Longwood, and Back Bay station.
But wait, it gets more ridiculous. They're unable to tell me anything about which ATMs and stores are and are not flagged, because it's sensitive data. They won't even tell me the location of one ATM that is allowing transactions to go through. She told me to drive around and try ATMs in different areas. Which, if I didn't have to work, I could. I already haven't been able to buy lunch or pay for parking where I'd intended to park. Fortunately, I have enough gas in my car for today. She told me she can't tell me how long they block transactions in an area. She couldn't even confirm whether their own ATMs in their stupid cafes worked, and said those would get flagged too if there was fraud in the area.
We have a mortgage with them. We got it when they were ING Direct, and it was awesome until Capital One bought them. They seem fine with taking mortgage payments and interest from this area.
Anyway, does anyone know of any ATMs or stores that are accepting Capital One 360 transactions today? And would it be worth it to have Boston-area customers take their business elsewhere? Would it affect them, or are they so huge that it would only end up being a pain in the ass for the customers?