Consumer complaint received 2017-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/XXXX someone opened an account in my name. My mom called Capital One and we got everything straightened out. Whomever requested the credit card never activated it so there was never a purchase. We asked if I would have problems in the future if I decided to apply for credit card and we were told no. Here we are XX/XX/XXXX and I applied for a credit card and was approved. Capital One sent me my new credit card. I received a letter a day or two later from my previous address ( moved XX/XX/XXXX/XX/XX/XXXX ) and it stated that there could be fraud. So my Mom and I called and I was instructed to activate the card. So today XX/XX/XXXX I activate the credit card via the website and it will not allow me to activate, so I called. I was told by the first customer service person that there was fraud on my account and I needed to be transferred. I spoke with XXXX - Supervisor # XXXX and was told that I need to send in my drivers license, social security card and utility bill. I replied that I will send my DL but I am not sending my SS card and I do n't have a utility bill as I live with my parents. They asked for a bank statement and I replied I do n't have one. My parents pay my bill and they wanted me to establish credit. I asked for a manager. I spoke with XXXX and she explained that they system they use is encrypted, I told her that I did n't want to send my SS card via email as my Mom told me to NEVER do that. During the conversation I asked why then was I sent this credit card if I was not going to be able to use it. I asked this two different time and I was told because you applied. That is great that I applied and was approved but ca n't use the card because I ca n't give you all the pieces of information that you want? My drivers license has my old address, I will be moving for school is 3-6 months. I replied no I am not going to have my drivers license changed as this cost money and can take 4-6 weeks. I replied that my new address is reflecting on my credit report and how would I have received the card? I even told her that I received the letter you send to my old address and it was forwarded to my new address. I told her that I have all the letters that Capital One has sent me, I have my XXXX letter with my name and address or it. I can sent you a utility bill with my parents name on it. Nope none of these will do. Then why did you send me this credit card? I am upset that I wasted my time with applying, being approved with unrealistic conditions, none that were disclosed and the hour and 10 minutes that I spent on the phone with them to get this resolved with no solution. I feel like they said here you go, get excited your getting a credit card and then pulled the carpet from under me. My parents have preached to me to take care of my credit, be cautious and establish positive credit because this is the key to everything. Thank you Capital One for squashing me dreams on establishing my credit because at this point, I will not put myself through this again. This needs to be stopped.

Company response to consumer: Closed with explanation