moe8555

I don't know what to say...here is proof of me receiving texts to my Google Voice number from CapitalOne.

Boogywoogy

BUT, only select US government employees are eligible for this and they have to make their work email address (.mil, noaa.gov and HHS.gov) their main email address on their account; this probably isn't very helpful for most, but Capital One does email 2FA.

Leopardz

So I set up a Google Voice number and that didn't work with Capital One's system. Then I purchased a number from Anveo because I read other forum posts about this definitely working, and it doesn't work either. I'm about to give up and cancel the card unless anyone has any ideas?

Nagasaki Joe

You might want to check out the links below, especially the second one, for a phone number with SMS delivery that works. It doesn't work from Japan but it might work from the US, but it's not a free solution (though the first one is).

Boogywoogy

So, I found out that you have to set up Google Voice in the US before you go abroad for the 2FA to work. :-/

dinoscool3

I’m in the US but only have a Canadian VOIP number through TextFree—no phone sim. I received a confirmation text from C1 confirming my number, but when I tried to 2FA I didn’t get the code. Tried multiple times and get locked out of receiving codes. Called in, the agent said it might take 24 hours for the phone to work, so I’ll try again tomorrow. She did say GV should work but I didn’t give it a try, I’d want to use my main number if I can. Maybe it’s the VOIP maybe it’s the Canadian who knows.

Boogywoogy

It does need to be a US based phone number for 2FA, to my understanding. The fact that you received an initial text is interesting, maybe it is because Capital one does business in Canada.

dinoscool3

I was able to work around it. I do have trouble sometimes with receiving 2FA texts, but I can almost always receive calls. Although the app doesn’t offer a call the website does. I tried to log into both at the same time and used the website to have them call me a code and used that code in the app. Worked fine!

Boogywoogy

Fantastic DP. Thanks for sharing!

SPN Lifer

The Commonwealth of the Northern Mariana Islands (CNMI) (area code 670) is a U.S. territory in the western Pacific north of the Territory of Guam (area code 671).

Unfortunately, Capital One information technology (IT) does not permit their system to call back my CNMI home landline phone number with a six-digit code as part of two-factor authentication (2FA). So I cannot access my account online, and download my monthly REI MasterCard statement.



Yes, I can learn my account balance and pay it telephonically, but without being able to download PDF statements, I am unlikely to use this card often.
​​​​​

randysea

Before REI transferred from US Bank to Capitol One, there was no problem accessing the REI card account from outside the country. I doubt anyone at REI knew about this problem with Cap One. Or maybe they did but just didn't care. I haven't even activated my new REI card since the change.

Meanwhile, it's interesting that the Office of Personnel Management, which handles all retirement benefits for retired federal gov't workers, has no problem at all with clients outside the US. When I log in from overseas, it will send the 2FA text to both my US and French mobile phones without any protest.

USAA bank, which has lots of active and retired military customers, also has no problem with foreign access for 2FA. In addition to phone and text (which may be limited to US numbers, I don't know), you can also get an email or use a PIN.

Finicky_Finch

Chiming in should others use or consider Google Voice. I noticed some companies don't like VOIP phone numbers. Since I joined C1 early this year Google Voice has worked fine. I'm not sure what the technical reason is but from my experience, Chase will usually reject the number, and Verizon sometimes gets confused with a Google Voice number. If they don't work use your email, TOTP, or a regular phone number.

SPN Lifer

VoIP (VOIP) = Voice over Internet Protocol
TOTP = Time-based One-Time Password

Boraxo

This seems more an issue for people who never visit the USA. For those of us here it does not take much effort to set up a phone on the $3/mo T-Mo plan much less a free line on Google Voice. If you are living/planning to live overseas $36/yr seems a small price to pay. Plus every expat I know has a VPN to watch US programming so that should address any login issues on laptops.

My Chase Ink account sends texts to Google Voice, no issues at all. I've had the GV # for ages, and may be porting another soon.

I prefer to use Crap1 when traveling overseas as it never gets declined and I prefer not to use one of my everyday cards due to the higher risk of cloning/fraud etc. Recently used in Mexico with no problemo and even used the phone app, which did not require 2FA. I try to avoid logging onto internet via laptop as the connections are not secure though presumably VPNs could address that issue.

It is curious that Cap1 does not offer 2FA via email as that is usually an option with my other banks (though I prefer text as it's instantaneous)

randysea

If you go to the post that started this thread, you'll see that the OP (me!) lives in the US but travels a lot. Cap1 changed its 2FA a couple of years ago to create the problem. I use VPN when traveling but is not a workaround for the 2FA problem.

Having to deal with a second phone and phone service while traveling does take effort and is very inconvenient have to use it every time I want to look at my account. Then try to explain to your non-techie friends what they would have to do to access a Cap1 account. It's just ridiculous.

I have multiple credit card and other accounts I can access from anywhere in the world with a more convenient 2FA method. Not a single one of those companies has ever appeared in a headline like:
"A hacker gained access to 100 million Capital One credit card applications and accounts"

Even US government accounts, like my federal retirement, allow me to get text messages directly on my foreign phone for practical 2FA.