Consumer complaint received 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since fall/winter XXXX I have been reporting to authorities, agencies, police, credit agencies like including XXXX  XXXX, XXXX XXXX to be aware, protect my identity because I noticed unusual activities, included reporting, notifying, making sure that Capital one also knows. I only have on account where I make payments from, one credit card with capital one, had opened a checking account, had a Walmart card attached associated with capital. Everytime I called in they would make notations, record, acknowledge. In XXXX of XXXX despite reporting to XXXX, capital that checks going into the account, and unusual activity for unrecognized transactions are not mine while in XXXX XXXX homeless, three suitcases, no place to live, no capital one credit card in my possession, reporting to agencies of my loss, identity being used by these fraudsters. I remember as clear as day Capital one saying when I had called them that my account would be closed because with a closed account no fees or charges would not be applied. Despite my reports, receiving acknowledgement, even sending in documents, reporting to credit bureaus capital left the only one account open for a year. ( no online access to the credit card, no credit in hand, these fraudsters did not target my Walmart or checking account that is closed they left the capital one credit open-capital one ) XX/XX/XXXX-into XXXX. I can't access I receive acknowledgement that the account is closed in XXXX. Guess what they left all of my information, the account open for the fraudsters for a year into XXXX. Never did I request for the fees to be continued to be applied by capital. They all that information in their system of me calling in. Setting up payment not for the unrecognized transactions but acknowledgement of the account would be closed, no open account will remain open, it's fraud not payment for the unrecognized fraud charges applied. How, when, why would capital one leave this account open, continue to charge when initially I was told that to protect the account would be closed, it is closed. Capital one waits a whole entire year XXXX ignore every single proof, phone calls I kept trying to call. It is capital one bank responsibility when a customer calls in saying close the account not to leave the account open, keep applying, leave the account open to fraudsters. Capital one sends a unknown link, a year later, just a link without a single word, without notification to my email, doubles the amount on the account. Disregarded my phone call and acknowledge for the only charges I recognized but for the unrecognized charges left the account open then sends a link, because I call capital one what is this link to place my personal information still capital one ignores my call, because their mistake was not to investigate the unrecognized charges, capital one left the account open, kept applying, applying fees, then it's charged off??? They told me the account was closed. Then in XXXX because this unknown link from capital one came out of nowhere capital one applies a bad credit rating to my credit report for charges I don't recognize, and am open account I never asked to remain open. A whole year passed, I'm not even aware that capital one kept the account open. I even said in XXXX I don't have the card.

Company response to consumer: Closed with explanation