Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or Around XX/XX/21 Capital One opened a secured credit card and a QuickSilver  credit card. These applications were both fraud neither was approved from me, and It was applied for and APPROVED for with a Fraudulent phone number, Fraudulent Email Address. I did not receive either of these credit cards and I did not apply for either of these accounts. Capital One proceeded to open both account 's without first verifying my identity, and Capital One did not clear my extended fraud victim statement on my credit report which specifically states that you must call TO VERIFY that I am the person applying before approving any applications. I notified Capital One both of these account 's were fraud and Capital One closed the secured card and sent me confirmation they confirmed the fraud on the account and the application was fraud and I am not responsible for the account, However Capital One also said that about the quicksilver one card and again sent a letter yet then Capital One sent the Quick Silver  card as a charge off to an attorney. I can not login to these account 's nor retrieve the credentials because again it's tied to fraudulent information. Which I do not own. XXXX ( Fraud Email ) XXXX Fraudulent phone number XXXX XXXX XXXX Fraudulent Address, and Yet both of these account 's were opened around the same time and Capital One had a data breach around this same time they opened the account 's without my consent. I did not apply for these account 's and I did not receive any cards or monetary benefits from said account 's. I did not sign any applications either. Capital One is attempting to collect on the quicksilver card {$2500.00}, Even THOUGH all major credit Bureaus have BLOCKED THE ACCOUNT AS IDENTITY THEFT, and yet Capital one is attempting ABUSIVE practices to collect the card in WHICH I DO NOT OWN. Capital One Confirmed fraud on the Secured card that was opened on or around the same time, yet assume that I am liable for another account they opened again without my consent? Capital One allowed charges to this account that I did not authorize. Capital One Also didn't verify my information because if they did they would know that I never lived at that address nor have I ever owned that phone number either. My Wallet was stolen and Identification was stolen. These applications are FRAUDULENT. I do not owe Capital One ANY Debt, and I do not take Responsibility for Capital One mishandling these accounts. The Secured Card was deleted and Capital One AGREED IT WAS FRAUD, however Capital One is trying to take advantage and assume they can collect on a UNSECURED CARD that I DID NOT AUTHORIZE OR APPROVE TO BE OPENED. Capital One did not send me any statement 's. Capital One did not allow me access to these account 's and Capital One has not sent me any documentation or Cards for these account 's. Yet Capital One Refuses to take fault for something they did not verify. I am a Victim and I do not accept the debt for this account or responsible for the debt occurred on the account, I do not accept charges I did not make, and I do not accept this debt.

Company response to consumer: Closed with explanation