Thanks for the heads up and feel I am close but always a little road block with this US credit card game.I also use GV and can receive SMS fine. I think Google got more strict now and you need a number with their big 4 or big 5 carriers.
Will have to try other methods but looking online lots of expats are frustrated with Capital One and the verification sms process. Difficult as lots of different services online but some you need to pay first and then see if it works for Cap1.
Short code sms messages seem to be the issue with lots of carriers.