Consumer complaint received 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of synthetic identity fraud and have been for the last 6 years and have been fighting and disputing these fraudulent accounts that have been opened ( and subsequently proven fraudulent ), then closed and reopened ( twice in XXXX, then twice again in XXXX ). The same offender has stolen my social security number ( SSN ) and opened up fraudulent accounts with Capital One ( banking, credit, and participating stores ) multiple times, using the same alias. 
Capital One is a horrible, unethical institution that has been awful and keeps allowing these fraudulent accounts to be opened despite their promises to flag the fraudulent profiles ( the fraudster continues to use the same alias ) and this has allowed synthetic identity fraud to occur with the same outcome each time ( I call with XXXX and they refuse to close it, it's proven fraudulent, they say to mark the file to prohibit the same thing from happened and it re-occurs ). 
In XXXX, I filed a police report on XX/XX/XXXX ( can provide documentation ), a complaint with the FTC, opened up a restoration case with XXXX and legal assistance. Another account was opened immediately following closure despite their assurance that the account had been closed and the alias flagged ( my own identity is frozen, with theft protection ). Again, this occurred in XXXX ( in which I filed an additional police report XX/XX/XXXX ). Each time Capital One has been unhelpful and after calling their department, each rep provided me with conflicting information on what the proper steps were. Each time I followed up with the three credit bureaus. 
On XX/XX/XXXX, I recieved another application alert from XXXX, again from Capital One, that was used to fraudulently apply for a credit account with my SSN that I did not open. When I called with XXXX to resolve this, they told me that the application was approved and that a new account was opened. When I asked whether the name on the account was this alias ( each time Capital One has sent a letter to me with the fraudulent name on the letter head so I know the name ) and they were able to confirm that yes, there was a match on that name. The fraud division ( XXXX? XXXX told me I had to take certain steps, which I did and it wasn't resolved. I called back with XXXX XXXX more time and another person in the fraud division ( XXXX, who was helpful ) outlined different steps. Still not having this resolved, I did call XXXX on XX/XX/XXXX and went through the same steps, this time with another person ( XXXX ) that lied and said that no account was opened after the applications department confirmed it was. Then, a restoration case was opened with XXXX, a police report filed and again, we called Capital One a fourth time ( spoke with XXXX XXXX XXXX to be told a completely different plan to action and said to call the SSN Administration ( I did, and have continuously over the past 5 years and again, this has been proven to be identity fraud ). I am completely appalled that Capital One continues to let these accounts be opened after proof has been provided and legal action taken to close these accounts and these aliases proven fraudulent.

Company response to consumer: Closed with non-monetary relief