Consumer complaint received 2022-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is against Capital One Bank for failing to remove unauthorized and fraudulent credit inquiries on my credit reports. I did not apply for this Capital One/Cabelas credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for a Capital One Bank auto loan. I was approved for this Capital One Bank auto loan and did purchase a vehicle from XXXX XXXX using Capital One Bank for this auto loan. I did not apply for any of these other auto loans or credit card accounts including this Capital One Cabelas credit card. 
I first contacted Capital One Bank by phone in early XX/XX/2022 explaining this problem and was told I should also follow up with a letter to the Capital One Bank credit reporting department explaining this situation. I received a response letter from Capital One Bank dated XX/XX/2022 ( attached ) and this letter didnt at all address my issue, it only explained the three types of credit inquiries. I followed up with a letter dated XX/XX/2022 ( attached ) again explaining that I didnt apply for this account asking them to remove the inquiries from my credit reports. I received a response letter from Capital One Bank dated XX/XX/2022 ( attached ). This response was the exact letter they already sent me explaining the three types of credit inquiries again not addressing my issue at all. I followed up by writing a second letter to Capital One Bank dated XX/XX/2022 ( attached ). In error I failed to change the date on this second letter to the actual date of XX/XX/2022, this was mailed on XX/XX/2022. I included with this letter copies of letters from other financial institutions that also investigated some of these unauthorized inquiries resulting in having the inquiries removed do to fraud and identify theft. I received a response from my second letter from Capital One Bank dated XX/XX/2022 ( attached ). Just like the first two responses from Capital One Bank it was again the same exact letter explaining the three types of credit inquiries and again not addressing my issue at all. 
I followed up with a third letter to Capital One Bank again explaining that I did not apply for this credit card and asked that these credit inquiries be removed from my credit reports. Once again Capital One Bank responded with the same exact letter dated XX/XX/2022 explaining the three different types of credit inquiries. Again not at all addressing my issue. 
I contacted all three major credit bureaus XXXX, XXXX and XXXX and was told basically the same thing from all three of them, to contact Capital One Bank and and explain to them what is going on and ask them to have the inquiries removed by contacting the credit bureaus directly. 
Capital One Bank has failed to properly respond to me, they have failed to investigate this matter of fraud and or identity theft and failed to even attempt to resolve this issue for me. 
Having these multiple unauthorized credit inquiries on my credit reports is having a negative effect on my loan applications, my acquisition of credit, my credit scores. Capital One Bank should take this seriously and remove these unauthorized credit inquiries from my credit reports immediately. 
I have attached some of the letters from a few of the other financial institutions that did take this situation seriously, responded and corrected the issue quickly.

Company response to consumer: Closed with non-monetary relief