Consumer complaint received 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
CapitalOne is billing me for the money I did not spend. 
I opened a credit card with CapitalOne in or around XX/XX/XXXX. I am the lone card holder. Due to various unauthorized charges on the credit card # ending XXXX, I paid the credit card with XXXX  balance on ( XX/XX/XXXX ), canceled the card, asked and received a new credit card # XXXX. This new card is never activated nor used to prevent unauthorized charges. On CapitalOne advise, I put credit freeze on my account with all the three major credit companies. 
On or around XX/XX/XXXX I just received a fraud activity letter dated XX/XX/XXXX on a card number ending XXXX which I never had. Upon receiving this fraud alert letter, I called this company to protest because I did not know this card ( XXXX ) even exist not to talk about reporting fraud alert on the card ; I told CapitalOne to disable the card and demand payment from whoever the card was issued to ( case # XXXX with XXXX XXXX XXXX ( XXXX ) ). 
On or around XX/XX/XXXX I received another fraud activity letter, on another credit card end # XXXX purportedly also on my name. I called and explained to CapitalOne credit card that I am currently having a card that ends in XXXX and there is no charge on this card since it is never activated. CapitalOne credit card should investigate to find out who opened these accounts on my name and cancel all cards on which my name appears. After many conversations on the phone with CapitalOne with different explanations ; on XX/XX/XXXX I filed a complaint with XXXX XXXX XXXX ( XXXX ). I received a XXXX confirmation letter Your complaint was submitted on XX/XX/XXXX against Capital One Financial Corporation. Your complaint was assigned ID XXXX. I later received a letter dated XX/XX/XXXX from CapitalOne saying that your fraud investigation with CapitalOne is now resolved. 
On XX/XX/XXXX ; astonishingly, I received a check in the amount of XXXX XXXX XXXX XXXX XXXX  XXXX Dollars and XXXX cents from CapitalOne. Since I do not know where this money comes from, I immediately returned the check back to CapitalOne and notified XXXX accordingly. 
On XX/XX/XXXX CapitalOne credit card sent an astonished new Credit card bill ; the same amount on the returned check. I notified XXXX again and complained I received a letter dated XX/XX/XXXX ; from CapitalOne saying Our records show that an authorized user was added to your account on XX/XX/XXXX under your name XXXX XXXX I again wrote through XXXX that I never authorized account to be added to my account with CapitalOne credit card # XXXX ( which is never activated ) and I am not XXXX XXXX. I asked CapitalOne to provide the application submitted for the addition. CapitalOne couldnt. 
On XX/XX/XXXX, I checked XXXX for my credit report and discovered that CapitalOne adds someone else to my name ( Names reported : XXXX XXXX and XXXX XXXX ) as reported in my credit history dated XX/XX/XXXX with {$14000.00} debt adverse effect. An unknown address of XXXX XXXX XXXX XXXX ; XXXX . XXXX ; XXXX TX XXXX with phone numbers XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX ( Date updated : XX/XX/XXXX ) were also added to my XXXX credit report by CapitalOne. I notified XXXX and CapitalOne insist that I should pay this said amount. Please, assist me in telling CapitalOne to collect money from whoever CapitalOne gives credit card to and show the application ( if it is true ) submitted for an addition of another person to my credit. I just checked my credit and CapitalOne still places the debt on my credit. CapitalOne should investigate her members to fish out added another name to an innocent customer and repair my credit. I have copies of my correspondences with CapitalOne through XXXX.

Company response to consumer: Closed with explanation