Consumer complaint received 2018-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
So this is my third and final attempt at reaching a resolution with Capital One, As stated in my previous dispute with Capital One Bank. I contacted Capital one a few times about this same issue. So almost a year and a half ago i experienced identity theft when my wallet was stolen my id was inside as well as my SSN. I had not known at that time that there was a checking account opened in my name by Capital One. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Capital one 360 Security department, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Capital One. When i further asked why and explained to the phone banker that i have never opened an account with Capital One. She sent me to security department. The security department said that my accounts were closed, i advised them that i have never opened an account with Capital One, Nor Capital One 360 in my life, and that i just now have been trying as of this week. The security rep advised that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the security person, that is a mistake because i have never opened an account with Capital One 360, nor Capital One. When getting into further details they advised me these accounts were opened online. I advised them i never lived at the address they have on their files XXXX XXXX XXXX XXXX, TX XXXX. The security person then transferred me to identity theft operations which was closed. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Capital One 360 but it appears someone has tarnished my name with them by opening an account and using it fraudulently. I did not verify any information with Capital One, and i do not know where the person in their complaints department leads to believe i did so. Which i was not aware of until just recently. I am attaching FTC_Notice_To_Furnishers as well as my IDTheftReport and the notice to furnishers. Capital One advises they are researching this issue, yet they are still reporting information to XXXX XXXX XXXX stating that i had opened these accounts and the accounts were " Closed ''. First of all i never opened the Checking Nor Savings Account. As i have mentioned numerous times to Capital One, I tried speaking with Online Fraud which told me they couldn't help me that i needed to come in Branch. Going into a Capital One branch does me no good as i haven't ever banked there before, and they said they can't handle Capital One 360 Accounts. Capital One is internally reporting me as a risk to the bank yet i never opened these Checking, Savings and i just recently learned My Email was hacked. My Identity was stolen, and these accounts were opened as a result. They also previously forwarded my mail and stole my Email these crooks. I had to have the USPS help me get my mail again. Capital One hasn't even attempted to reach out to me with any information. They did not provide resolution and continue to report internally false information. They also continue to say that i owe them {$1400.00} which i do not owe either. I never opened these accounts. After further speaking to your agent. The only information they would give me is that onXXXX of the accounts ends in XXXX. They said they could not provide me any further information.

Company response to consumer: Closed with explanation