Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX Account XXXX Capital One XXXX XXXX XXXX, XXXX XXXX, and XXXX ( unsure where debt is ) vs. XXXX XXXX Dear Capital One : On the contrary, regarding your reply letter dated XX/XX/XXXX, Capital One has NOT provided a full previous response fully addressing my concerns. As previously noted, Capital One keeps neglecting their responsibility regarding an account opened in my name fraudulently. Instead of fixing their mistake and providing me with a paid in full letter OR even working with me fairly for a just and reasonable outcome, they keep selling and/or evading this account. Capital One refuses to accept the responsibility because this account was fraudulently opened under my name. They have denied having it or sold it to other entities, three so far. 
Capital One scammed me then sold the debt so they can release themselves of what they've done. I want justice, and I don't want to be shuffled around to other collection agencies because Capital One doesn't want to deal with me. They have hurt my credit, opened up a fraudulent account under my name, and denied me proper paperwork for countless months. I will keep making a fuss until they work justly with me for what they've done. 
My goal is to omit this debt on an account I NEVER opened or knew about until I checked for issues regarding the XXXX  Data Breach last year. Capital One are criminals at this point. I have tried calling, certified letters, the CFPB, and other avenues to no avail. The printed documentation is well over an inch thick. The list is lengthening regarding their negligence on this matter simply because I am the little guy. It took over 14 reply letters alone and several agencies to even receive the requested validation items on this account. Capital One can not even supply me with the original application for this account that was opened under my name without my consent. 
Abbreviated Correspondence List Below : Six CFPB complaints ( ignored ) Two FTC dispute letters ( ignored ) Two validation letters ( ignored ) Received 20 and counting unreliable and incomplete reply letters from Capital One and misc. companies regarding this account. 
I sent several dispute letters to all three credit bureaus, which ( successfully removed all debt from the credit agencies ).

Recorded Audio : I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount XXXX wanted to demand me to pay with no credit report incentives. There seems to be no working with any of these entities for a fraudulently opened account for removal on a fair amount. 
Capital One can not provide me with the original online contract. However, they had stated that all of the information was correct. How would they know if they do not have the documentation to refer to? This sort of fraud leads me to believe that there is NOT the correct information in the original application. However, now we will never know. 
The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed on this account. The debt for this account had increased due to interest and charges not of my neglect. A {$120.00} payment with the terms requested is above and beyond an acceptable amount for this account. 
Two certified pay in full letters XXXX XXXX and one to Capital One XX/XX/XXXX and XX/XX/XXXX ( ignored ) Reply letter Capital One this letter said nothing and was incredibly stupid regarding nothing meaningful about the account again. They opened an account without my knowledge then sold it to different entities. 
XXXX XXXX XXXX 's reply letter was the same regurgitated letter they always send. 
Captial One reply letter XX/XX/XXXX Still refusing to accept any responsibility for opening up a fraudulent account and they still will not work with me.

Company response to consumer: Closed with explanation