Capital One - Recurring Payment Authority (RPA) not showing on their app.

JSmith321

I wanted to know if any RPA's existed on my Capital One CC but despite them saying I could manage this via their Mobile App I can see no facility for showing these future charges neither on their app or website. Ref: How to Stop Automatic Payments | Capital One There is a reference to the subscription manager tool though I can't see it? Anyone able to access this? Thanks

retiredbanker1

The only people that know if you have any CPA 's on your card is you,
There are no records on any credit card that will show this.

You have two options here - contact the business that you authorised the payments to to stop them or ask the credit card to cancel them BUT you have to tell the credit card people who they are.

grumpy_codger

Continuous payment authority: manage recurring payments - MSE

MyRealNameToo

retiredbanker1 said:

The only people that know if you have any CPA 's on your card is you,
There are no records on any credit card that will show this.

You have two options here - contact the business that you authorised the payments to to stop them or ask the credit card to cancel them BUT you have to tell the credit card people who they are.

I struggle to see how a bank wouldnt be able to identify that a payment was made via a CPA or not given the process for a payment under a CPA (but not the initial payment that setup the CPA) is different to a regular one off transaction hence even before Card Updater Services existed a CPA could continue on an expired card whereas a normal transaction wouldnt be authorised.

I agree its not as visible as a DD is and they wouldnt be able to see it until the first payment under the CPA itself is taken but at that point they should be able to say who has been paid under one. As noted in the MSE article some banks do seperate the payments under CPA so clearly it's doable. 

retiredbanker1

MyRealNameToo said:

retiredbanker1 said:

The only people that know if you have any CPA 's on your card is you,
There are no records on any credit card that will show this.

You have two options here - contact the business that you authorised the payments to to stop them or ask the credit card to cancel them BUT you have to tell the credit card people who they are.

I struggle to see how a bank wouldnt be able to identify that a payment was made via a CPA or not given the process for a payment under a CPA (but not the initial payment that setup the CPA) is different to a regular one off transaction hence even before Card Updater Services existed a CPA could continue on an expired card whereas a normal transaction wouldnt be authorised.

I agree its not as visible as a DD is and they wouldnt be able to see it until the first payment under the CPA itself is taken but at that point they should be able to say who has been paid under one. As noted in the MSE article some banks do seperate the payments under CPA so clearly it's doable. 

By you the customer looking at your statements yes - but there is no list that the credit card company can look at to cancel them.

MyRealNameToo

retiredbanker1 said:

MyRealNameToo said:

retiredbanker1 said:

The only people that know if you have any CPA 's on your card is you,
There are no records on any credit card that will show this.

You have two options here - contact the business that you authorised the payments to to stop them or ask the credit card to cancel them BUT you have to tell the credit card people who they are.

I struggle to see how a bank wouldnt be able to identify that a payment was made via a CPA or not given the process for a payment under a CPA (but not the initial payment that setup the CPA) is different to a regular one off transaction hence even before Card Updater Services existed a CPA could continue on an expired card whereas a normal transaction wouldnt be authorised.

I agree its not as visible as a DD is and they wouldnt be able to see it until the first payment under the CPA itself is taken but at that point they should be able to say who has been paid under one. As noted in the MSE article some banks do seperate the payments under CPA so clearly it's doable. 

By you the customer looking at your statements yes - but there is no list that the credit card company can look at to cancel them.

Unless I am not reading it correctly that makes no sense... how can your bank show on your CC statement which are CPA payments but then not know themselves what CPA payments you are making?

As mentioned in the MSE article, some banks apps separate CPA payments into a list for you in the same way as DDs so again if they can do it for the consumer facing app they have the capability to do it for the employee facing version, though if they choose to do so is another matter. 

Inevitably there are many things that can be done but arent necessarily. A few months back wanted to find the details of an account Id sent money to as the payee had been deleted from my list as it had been X months since the last payment to them. I was surprised the first line staff said they could see the transaction but not the details so had to escalate to another department who within a couple of minutes provided the details. 

born_again

Many bank systems are limited to certain departments & not frontline call center staff. As there is no need for call center staff to have them.

I have seen frontline staff when given access to some backend systems they do not understand what they are doing despite being trained. The result is a total mess that backend staff have to sort out, usually on the back of a complaint.

MyRealNameToo

born_again said:

Many bank systems are limited to certain departments & not frontline call center staff. As there is no need for call center staff to have them.

Thats not unique to banking or even financial services. Its not even a matter of "need", there are certainly some cases where you can argue need but the management simply dont want the masses having access so they dont. 

Retiredbanker1 however was saying the company can't see what are CPA payments which is a very different thing to saying the front line staff can't see. 

Even in my very first job in a call centre in a mail order firm I became good at getting access to systems most by peers didnt (legitimately, not hacking). Whilst I understand in many cases why access wasnt the norm if often made my life much easier and when I became a manager in the mail order firm, ment my "personal purchases" were vastly cheaper too (PP was 10% on top of the wholesale price but I could see the price we'd paid so could see we'd bought some bankrupt stock of 501 jeans in a certain colourway so would order them rather than a different colour that would be double the price - I had access as it enabled me to judge discounts given on damaged goods and make the customer happy but not cost the firm money)