Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Capital one since XXXX reported to them that there was a problem. I am the victim not the criminal of a compromised account. I had three accounts Walmart card, capital one checking account all linked to capital one I shut them down, I did not provide or give any information including numbers or card. I applied for a job online these posers employers stated " background check '' I'm XXXX  in XXXX XXXX three suitcase 's, it is unbearable to live or ability. I have SSI, minimum wage thinking apply for a second job thinking it would work with my difficult schedule with my first job to obtain a flexible job to work with my first. I submitted all proof, documents, calls, emails to capital one because these posers knowing my social security number, address, ID, name with their supposedly background check for a job did not Target my Walmart card with capital one or checking account they targeted my credit card with capital one, even showing capital one that my XXXX XXXX account was the only one, these employer posers hacked into my account, credit card, these sun trust, chase are not my accounts, because prior because including they were compromised, by scammers, cases started prior it is also physically impossible for me to have the technology or income with no bank relationships or the ability to have any extra income with 2-3 extra banks. I mentioned it is seriously impossible for me to afford any external accounts with my status as a XXXX, minimum wage, SSI, three suitcase 's, nowhere at the time to go or live in XXXX XXXX. I am the victim targeted by people who posed as employers who saw my situation as an advantage. With one active account, payments were regularly made with my only account XXXX XXXX which they had no problem taking payments from. Despite my pleas, reporting to credit bureaus including capital one, XXXX, XXXX, monitoring out of fear my identity, paying to lock my information, IC3.gov, government agencies, writing/typing letters because capital one said if I can type, print documents that would help my case. I really thought I had a job opportunity, would have a second flexible schedule, work for a high profile Because they reached out to me in XXXX XXXX they claimed they had job opportunities because they too worked for a high profile people making extra money. Thinking job, reimbursement sounds great. Capital one was so cold told me very harshly that I am wrong, criminal, fraudster is my crime for what applying for a job, XXXX  with some serious low income, how high and expensive it is to live in XXXX XXXX so that's a crime, makes a criminal. Calls, going into capital one, setting up payments, Making payments, communication, doing my part think about all those notations, documents, calls pleading on a closed account. I can't get online to see my progress, they will not take my calls or emails. I asked how do you capital one help victims like me not their problem they said nothing to do with them, they continued to ignore my pleas erased my payment history which they said would never increase on a closed account. I am standing between posers who at the touch of a button are still to this trying to log in to my accounts, I receive alerts. Does capital one realize my situation I have gotten to the point of wanting to change my identity because I tried contacting authorities but no one cares that I am the victim, capital treats me like a criminal. I don't have the technology or capability or income to afford throwing my living situation situation even worse. How many.people become victims just like me in " XXXX  '' situation and are targeted by these employer posers. How safe is anyone information when applying for online jobs. You don't exactly know how safe your identity or info is. Now of course to capital one I mentioned that I didn't want my XXXX  situation to get worse I'll make payments because companies like capital were taking actions against me the victim of scammers who posed as employers targeting only my one account my credit card. I have no accounts to log in, no access, no credit card in my hands. Capital one disregarded my calls, erased my payment history. I am the cause of unknown deposits or two banks such as sun trust or chase. I'm in XXXX XXXX not located in a setting because these locations are physically impossible to travel no car, no access, I am carrying three heavy suitcases, working full time, plus XXXX  status. Capital one does not care I set up payments because the fear is also what capital can do or affect my ability to apply or live, apply for things for survival but they don't care as far as the criminal they can continue taking payments from my XXXX XXXX account as they had done before ..sure they'll take payments in XXXX, set up payments as they had reassured the criminal me coldly they'll continue taking payments now mind this I'm thinking from XXXX to XXXX ( customer service over the phone since XXXX went from XXXX to going under 400, that they are investigating my situation, I sent in reports about my situation including typed letters with printed proof of these posers employers ) thinking that all this time ( no documents from capital, no acknowledge, no emails, no calls, I don't have online access to a closed account ) surprise guess who capital waits till XX/XX/XXXX almost a whole erase my payment history, the victim me who's being treated like a criminal by capital one they send me a link with no explanation to make a XXXX dollar payment. Wait how did an account that was closed in XXXX with payments that were being made me the victims closed account increase to XXXX. I don't have the credit card I don't any access to the account. So how did this increase take place with no access to a closed, they mentioned with payments being made to a closed no increase would take place??? They erased my payment history, now I owe additional, increased amount with no card, no activity, some link, I'm the victim what if by pressing this link when I don't trust anything online online now capital one waits ( thinking all this time they were taking out of my XXXX XXXX because it had already been set up by phone with capital one ) almost a year says set up payment with this link, pay increased amount of now XXXX???? Account was compromised by these posers for a few 100 under 400, now the victim me owes an increased amount amount almost a year later of XXXX??? Acknowledge that I am a victim, review my account capital, do not simply erase my history with a credit that had a limit of XXXX, wait almost a year, increase a new payment to XXXX, acknowledge my call history, notations, documents to show that I am a victim, a victim targeted for a few 100 that I  had as credit on my credit. Acknowledge the fact that your capital one Representatives treated me XXXX XXXX like a criminal, despite all you have received you disregarded send me a link almost a year, disregarded my valid payments from my XXXX XXXX because you're going to hold me the victim of these employer posers/these scammers from these job/cons you're going to hold me responsible the victim responsible holding your company against so that I can not apply for certain, place a negative credit on my credit report overnight in XXXX because I did not want to pay an increased amount for a link with no access to my closed credit card capital one account, and a Capital one link with no ( I have been through as a victim who targeted not my other accounts with you no they targeted specifically out of three accounts my capital one credit card with their supposedly their " background check '' mind this once again address, my social security, ID only. No explanation to place my personal bank info or card and including an increased amount, disregarded my past payment history in XXXX. The worst fear is that a major company like capital holding me the victim of these posers against, they are placing permanent mark on my credit report, I can't do certain things or apply for things to survive or to help myself when an overnight negative mark. Does capital one realize the situation I am fleeing/running in fear of these posers/fraudsters I have fled places, jobs because of fear they have already shown up at my job, previous homes, at the touch of button they are still to this day using my personal info to hack, locate, my only accounts that I have remained. I am getting to the point of wanting to change my identity completely. I have already placed alerts, even paid certain companies to lock my identity from these posers search, tax identity, including reporting to police to protect my ID, reporting to authorities, that at a touch of a button I am still receiving notifications, alerts about '' person 's '' trying to obtain or logon to my accounts, I am constantly monitoring my own accounts, changing my passwords just with my social security, address, ID, phone these posers are targeting, why me??

Company response to consumer: Closed with explanation