Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Well, I've had a {$1300.00} credit card invitation from Capital One Bank in XX/XX/XXXX, and I had it. But after 3 years, my credit line never increased instead I was sent another {$1000.00} credit card known as " the Spark ''. I refused it, threw it away two times. The third time, I went to their XXXX Branch, TX and handed it to their manager that if I couldn't qualify for an old line raised, I couldn't take another card. The manager tried to push it, but I refused it again. 
The 4th time I guess, I had it again, I took it to the same branch and argued it be removed from mailing it to me, but he told me that " ... it was good for gas since I XXXX XXXX ... ''. 
Now I had two lines, paying them separately for no problem, but one day, I when in to put some money into my checking account and to pay the new account, then the account number didn't match with the number I've had written checks for its payment. I didn't trust it, but I was sent up and down like I didn't know what I wanted. 
Lastly, the XXXX Branch, being their headquarters, sent me to a small branch near XXXX XXXX XXXX, and I met with that manager, I related my experience and he'd called their 1800 number that " now the guy is talking.. ''. He made me mad that they had purposely switched my accounts with another account, I never got an explanation about my issue. 
So I was driving to XXXX, ND for a paycheck job in their XXXX, and I stopped to check what happened, but I was treated harshly, so I knew my identity was used to open the 2nd line of the " Spark '' card. 

No one has ever called, wrote or anything to my attention, except a company sent a collection letter from XXXX, TX that they need me to pay. I called their number, and I couldn't get the right information. 
Now, a collection company known as " XXXX XXXX XXXX '', calls me almost everyday that I owe them. I told them to send me a bill, take it to court or forget it. 
But they keep calling me. 
Capital One is a scammer! 
XXXX XXXX XXXX had done the same thing to me credit card account even though I was with them since the year XXXX when I was an employee of XXXX XXXX, XXXX at the XXXX XXXX. 
When I had complained to their manager, I was dumped with some {$10000.00} into my checking account. I requested it be removed, but I was left standing at their cashier 's window until I left. So I hired an attorney, Mr Attorney XXXX XXXX XXXX, XXXX, TN. However, after I had paid him, he told me that he didn't ask for any monetary settlement, he found that the bank had 4 different credit cards in my name although I had only one in my person. So I didn't pay that account, I didn't close it and I never got a bill about it! 

As for Capital One, if I couldn't qualify for a 3 year-old line of credit, I shouldn't have the {$1000.00} different line of credit card. They had studied me and wanted to log me in credit card debt! 

I might have some of their documents with me in a public storage room here in NV. 

Thanks! 

Very sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation