REGULATORY ERRORS
DIGITAL
PAYMENTS
AUTHORIZED USERS
FIND THE MONEY
100
This is the tool we use to help a customer get a zero balance.
What is the Pay-Off Calculator?
100
This is the app you can use to make a payment to your account.
What is the Capital One Mobile App?
100
This is how you access the account for a Third Party Payment.
What is Verification > Third Party Bypass > Pay by Phone?
100
This is who an Authorized User can request to remove from the account.
Who is themselves?
100
This is the maximum timeframe for an OTB Hold.
What is up to 14 calendar days?
200
This is the first thing we must do whenever a new caller comes on the line.
What is reading the Inbound Call Recording Disclosure?
200
This is how long an e-mail has to be active on the account before it can be used for a one time pin for cash advance.
What is 30 Days?
200
This is what a payment applies to first on your account.
What is the Minimum Payment? Bonus: What is the full payment allocation?
200
This is how an Authorized User can request a PIN for their card.
What is the PIN Mailer or updating if they have the current Valid Pin through an agent?
200
A hold on available credit placed by the merchant to confirm the availability of funds or validate the credit card.
What is a Pending Transaction or Authorization?
300
This is the areas of Regulation 137, that we can violate for not covering all three parts of a Cash Advance.
What are the Fees (which ever is greater), Interest (Fixed/Variable) and Grace Period?
300
This is the two types of users/card holders that can have an online/mobile account.
Who are the Primary Account Holders and Spark Account Managers?
300
This is the timeframe an account must be open before releasing an OTB Hold on a payment.
What is as soon as the account opens?
300
This is how an Authorized User appears on the credit report.
What is how ever a Credit Bureau decides? Credit bureaus decide how to use the information provided to them and each may use the information differently.
300
This is a test to ensure that charging privileges are available.
What is the Penny Test?
400
These are the four items we can use to verify a customer after we get their 16 Digit Card Number and First and Last Name.
What are the date of birth, last four of social security number, Mother's Maiden Name and/or Code Word?
400
These are the e-mails you can send to a customer.
What are Go Paperless, Request a Credit Line Increase, Make a Payment, Reset Your Password, Manage Autopay, Set an Alert, Mobile Servicing Download, View Account Summary, Online Servicing Enrollment?
400
These are the items you need to verify before calling Western Union to verify a payment.
What is the Western Union Quick Collect Money Transfer Control Number, the amount of payment and the sender's phone number?
400
This is what can be verified for an Authorized User on a multi-card account.
What is the caller's name and information or the caller's name and the Primary's Information
400
Airlines, Air Carriers, Lodging-Hotels, Motels, Resorts, Central Reservations Services and Car Rentals?
What type of authorizations can be deleted?
500
This is the requirement for taking a new check payment over the phone, we must verify it before adding a bank account in IRIS.
What is verifying if the customer is the authorized signer for that specific checking account. Verify ownership of and authorized signing of the bank account.
500
This is the process to follow when a customer has a Charged Off or Partially Enrolled Account for digital access.
What is attempting to issue a temporary password through Step-Up Authentication and Unenrolling Existing Account if necessary and unable to access?
500
This is the timeframe for an Automated Clearing House (ACH) payment refund.
What is up to 5 calendar days to process and 3 days to be refunded to the checking account after processing is completed?
500
These are the citizenship and age requirements to be an authorized user.
What is none?
500
This is the formula for calculating a Daily Interest Charge.
What is (APR/365)*(Days In The Cycle)*(ABD)/100?
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