Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
In response to prior compliant with capital one which will be attached, they mention they will not fix anything because everything is verified as per public record. That tells me they did absolutely zero investigation into my complaint and I want to see all the documentation they used in there investigations. And I want to explain to them that while someone is appointed a federal fiduciary they have 100 % control over that incapacitated persons finances, and in my situation that person lived at my residence. If they would have taken a look at the evidence I submitted that showed who the VA assigned, it shows the address and phone number of the fiduciary to prove that fact. Did they even contact the governing authority and see if the VA fiduciary hub had a report of fraud or abuse into this and was investigating it too? Probably not. I received zero contact from capital one and they say I have a cease and desist. Which has been lifted. These accounts are frivolous and fake and need taken off my record!!, and capital one needs to do there due diligence instead of armchair investigating therefore I want all investigating material from all prior disputes and complaints not just public records, or these account deleted ASAP. I would like them to actual review the evidence I submitted and due a thorough investigation as well if they have any doubts as to this claim and they will see they have been negligent in their investigations and doing nothing but putting me through a financial hardship because of their unwillingness to cooperate in proper investigatory technics and instead wrote proper blurbage on correspondence back. I will write below the complaint for capital one again so they understand again why public record would show my information as well as the fiduciaries that was assigned to me while XXXX. 

While assigned a fiduciary when deemed incompetent there were account that seem to have been opened and paid for out of his best interest by the assigned fiduciary in the fiduciary 's best interest with the permission or consult of Mr. XXXX or the VA authority HUB itself. Attached you will notice a list of debts that are required at the beginning and end of a fiduciary 's duty that shows the bills that are being paid and outstanding so that the VA know the circumstances of the veteran for the oncoming fiduciary. You will notice that the debts being contested or disputed are not listed on this legal document due to the fact that the legal fiduciary opened these accounts fraudulently and was keeping them hidden from the VA, but was still paying them out of the veterans ( Mr. XXXX ) bank account, which was not in his best interest. That is why to some creditors it looks like it was indeed the veteran that opened them and paid out of his account, but in fact he had no control over his finances and his fiduciary was the one opening accounts without his knowledge and permission and illegally, and it shows deceit by not even informing the VA with the bills report while doing so. After years of treatment and rehab Mr. XXXX was able to get to a status where he was able to learn and gain his memory and other things back. at this time he quickly got divorced when he noticed things were happening that should not be and after some time researching what has been going on with things and looking at his records and files, which took some time he realized what was and wasn't his and now is able to start managing his own finances which is document is these attachments. After realizing that he was paying bills for things that was not even his responsibility he realized something needed done and that is why we are where we are today writing this complaint. He has tried many avenues to get these issues fixed, but has gotten anywhere except harassed and accused of many horrible things by the customers service reps from these credit card agencies and it's about time that they correct the issues they have put him through and more! This isn't how we treat war veterans that come back to the USA with injuries then get taken advantage of by an evil person and then have to deal with even more inconsiderate humans while trying to get things fixed, its a disgrace that someone has to deal with this much XXXX in their life over fighting for their country. there are plenty of attachments to support these facts, and please understand what a fiduciary is since most people dont and think that if someone is deemed incompetent they must have a POA, that is incorrect when it comes to federal monies so please make sure your very versed in your knowledge when responding and trying to make more accusations as expected like other times instead of accepting the truth.

Company response to consumer: Closed with explanation