Consumer complaint received 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX Capital One Bank Credit Card Fraud Department CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Dispute of Fraudulent Credit Card Accounts on My Credit Report Dear Sir/Madam, I am writing to bring your attention to a matter of utmost importance regarding my credit report and the presence of two credit card accounts that were opened without my knowledge or authorization. I have discovered these accounts on my credit report and believe them to be the result of fraudulent activity. 

The details of the fraudulent credit card accounts are as follows : XXXX. Account Information : Account Holder Name : XXXX XXXX Credit Card Issuer : Capital One Bank Account Number : UNKOWN LAST 4 SS # XXXX Open Date : XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) XXXX. Account Information : Account Holder Name : XXXX XXXXXXXX XXXX XXXX Issuer : Capital One Bank Account Number : UNKOWN LAST 4 SS # XXXX Open Date : XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) I want to emphasize that I was not aware of the existence of these accounts, nor did I provide any consent or authorization for their opening. During the periods mentioned above, I was XXXX  from XX/XX/XXXX to XX/XX/XXXX, which makes it impossible for me to have initiated or authorized these credit card applications. This strongly suggests that these accounts were fraudulently opened in my name. 

I have already taken the necessary steps to contact Capital One Bank multiple times, informing them of the fraudulent nature of these accounts. However, the matter has not been resolved satisfactorily, and these accounts still appear on my credit report, causing significant distress and potentially damaging my creditworthiness. 

As a consumer protected under the provisions of Penal Law 15 U.S.C. 1681, Section 6048, Section 2, I assert my rights to fair and accurate credit reporting practices. Furthermore, I refer to Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ), which grants me the right to dispute any inaccurate or unfair information present on my credit reports. Given the circumstances, I request your immediate assistance in rectifying this issue by removing these fraudulent credit card accounts from my credit report. 

I have enclosed supporting documentation, including proof of my XXXX during the periods when these accounts were allegedly opened. This evidence serves to establish the impossibility of my involvement in the fraudulent activities. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent accounts from my credit report. It is crucial that my credit report accurately reflects my financial history and protects my rights as a consumer. 

Please provide written confirmation once these accounts have been removed from my credit report. I appreciate your immediate attention to this matter and your cooperation in resolving it as soon as possible. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief