Consumer complaint received 2016-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Mid to late XXXX, I wanted to trade my car in so I checked my credit to see what kind of rate I might get. I noticed that there was a hard inquiry on my report listed by Capital One. I found the inquiry alarming because I was dealing with fraud where an individual opened up a XXXX XXXX account using my name and social security number and I was receiving letters regarding car loan applications I never applied for! The Capital One inquiry showed up one month after I opened up a XXXX credit card. I 've been with Capital One for years, I have a checking, savings, Platinum, and XXXX card which were all in excellent standing. I contacted " All Clear '' my credit monitoring service to assist me with the matter. XXXX the representative from " All Clear '' and I contacted Capital One to inform them of their error. We were able to speak with a representative in Capital One 's fraud department and explained that there was a hard inquiry showing upon my report one month after I opened my XXXX card. I opened my XXXX card ending in XXXX, in XXXX of 2014, that inquiry hit the credit bureaus on XXXX XXXX, 2014. The erroneous inquiry showed up on my report with the date XXXX XXXX, 2014. After explaining the situation to the representative, it was clear there was either a clerical error or fraudent activity happen. The representative said that they would pull my initial application and check what was on file and see if there was a second application for the date in question. We were asked to follow up in a week or so. XXXX and I followed up a week after the initial contact with Capital One and their fraud department and were told that the application had not been pulled, but they believed it was a clerical error and they would more than likely remove the inquiry from my report, but it was a different department which handles that. We checked in several times after seeking status on our request, only to be transfer to XXXX incompetent person after another. We were told that this is a fraud case now and Capital One restricted and suspended both of the credit cards I have for years and paid promptly on! I received a letter in the mail stating the card ending I pin XXXX, was now closed due to fraudent activity! What!!!! They removed the incorrect inquiry on my credit report, and left the XXXX XXXX, 2014 inquiry on my report. Thank about incompetence. Later realizing the gervious errors they made instead of apologizing they made they changed my card number which was in good standing to a different number. They said they would not issue me another card, but would leave this card open for payment and if I wanted the card reinstated paperwork would follow ( which it did ) that I would have to fill out and have notary stamp and witness. This was their mistake no thank you, I do n't want any of your products. XXXX and I called Capital One weekly almost on a daily basis to get some resolve and recourse for the problem they have caused with no avail!! To add insult to injury along with no call backs from a supervisor, they are reporting me late on my credit report on a card account that does not mine. Please help me!!!

Company response to consumer: Closed with non-monetary relief