Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 XX/XX/2022, my mother had XXXX  XXXX  me out of literally nowhere, and I decided its time to leave. 

Upon looking for apartments, I saw something that read your credit has to be above XXXX or more. So, that had me curious. I wondered what mine had been, despite being under the impression that I had no credit whatsoever. I had applied to things in the past but always got denied. 

Still, I did it anyway, and what popped up was a fraudulent credit card account by Capital One. Now, this was my first time seeing this, as I hadnt ever gotten accepted for any of my card requests. 

I went to the site and attempted to log in. Immediately after entering my ssi, I was prompted with the option to send a confirmation text to a mobile number. It wasnt mine, but it was my mothers. 

Once I chose the option other method of verification, I entered my own number and was granted access. A little too easily, at that. I then immediately noticed something else. My mothers email was ALSO within the account information, as well as her bank account information. It was directed routed to her bank, where she was withdrawing money to. 

The purchases showed XXXX, XXXX and a few unknown transactions, most likely from XXXX. I recalled her saying she spent $ XXXX {$800.00} on new tires at one point. I do not have a license, only she does. XXXX was for gas. 

Immediately, I decided Id close the account and lock her out of it by changing all of the information to my own, ( as advised by a capital one rep ) so that she couldnt increase the debt that had already been there. ( {$1400.00}. ) That, and because the representatives were sending things to HER email when I reported fraud. There were about five late payments, which added onto the bill. 

Once the fraud alert was placed on the account, I called the police to file a police report, which she tried to sabotage, saying I was out of my mind because I hadnt been taking my antidepressants. Trying to victim blame. 

Because I didnt have anywhere else safe to go after this, I moved from XXXX tXXXX stay in XXXX with another relative. It took me a while to get hold of the police report, though it was soon verified after I sent a certified mail request. 

Despite all of this, once I had submitted the police report to capital one, I had been promised that this would be resolved. Fast forward to XXXXhree or four weeks later, and I received a letter in the mail stating that the charges made to the account didnt look suspicious at all, ( because my mother and I lived in the same household ), and that I was responsible for the current balance in full. 

Frustrated, I contacted XXXX, hoping to get things at least going with them as Capital One failed me in that aspect, but the same result was brought to light. 

Now, because of my mother, and the fact that this credit card company doesnt care about fraudulent cards if it happens between family members, Im in a rut. I can not get an apartment because of my low credit score, and Ive been sleeping on an uncomfortable recliner chair for about nine months now. I am only XXXX. This isnt fair.

Company response to consumer: Closed with non-monetary relief