I actually work for Capitol One and every thing you stated is our mandatory process. We are required to verify the primary account member by postal zip code, zip is common because we understand that customers don't want to disclose personal info. If the customer cannot verify, because this will be the original zip code on the account and you can have multiple addresses (such as previous homes) on the online account. I just wish customers would understand that the telephone agents, like myself, are required to READ SCRIPTING! Everything done on a call is ditated by Capital One LAWYERS...it truly is for protection and you always have a choice... I'm just appreciating the flexible scheduling as I'm a college student... I appreciate you're courtesy but people have to understand that this stuff has to be uniform...
