Consumer complaint received 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted Capital One in XXXX of XXXX notifying Capital that there is fraud activity. Capital One notified 1. Account will be closed. For the protection of the account I won't have access, yes I did not have any online access no matter what I tried it's as if this person hacked. No credit card in hand. I thought the account was closed. Homeless in XXXX XXXX at the time with 3 suitcases, shelters, hostels you surrounded by crowded rooms. Capital One has used an unknown address to me in XXXX XXXX that I do not reside at XXXX XXXX XXXX in XXXX XXXX for 2 years authorites think I live there. They somehow leave an account open for 1 year which I never called in, said leave account open, Capital One somehow sends links to submit this payment including because they left account open caused the account amount to increase. Has anyone Heard of reporting unknown fraud activity, being notified by Capital One representative no fees will be applied to a closed account, fraud activity charge 's unrecognized, still almost to now a year an increase. Why would Capital One representative take my card for the charges I only recognized payment claim to be from Capital One, then Capital One says no recollection so who was I talking to?? As clear as a bell I remember to protect the account it will not be left open so that no fees will not be applied. How did it increase to almost XXXX when I reported close the account. I have no access. Remember including I have no checks. I had started reporting to authorites in XXXX including police in NY to protect my identity. I had even show reports to Capital One that to show someone had tried using my identity with XXXX, XX/XX/XXXXXXXX. Isn't that just very messed up. This person unknown to me tried using in XX/XX/XXXX banks such as XX/XX/XXXX, XXXX I reported in XXXX, including Fraud Alerts, there is a set up I did with XX/XX/XXXX that if anyone tries to in XXXX to create false checks in my name that I receive any Alerts in XXXX. Capital one says it was me??? I'm talking way ahead of time before XXXX of XXXX into XXXX making including Capital One aware. First of all I don't carry checks, I don't have multiple banks, homeless, 3 suitcases, living in crowded places with one eye open, stuff still gets stolen while you're sleeping. More than just my XXXX XXXX what am I doing in XXXX XXXX then with XXXX suitcases. To banks such as XXXX, XX/XX/XXXXXXXX that is no where near XXXX XXXX. I would literally have to take a greyhound. Ask XX/XX/XXXXthey only cater to only customers living close by or near area. Let me make this no card, no access, someone tried to use exactly the banks XXXX, XX/XX/XXXX that I reported in XXXX. Reported to Capital One look at this email. XX/XX/XXXX will include image. Yet the account stayed open a year. Who called said they were me, when you say close an account, receive confirmation how did the account stay open from XX/XX/XXXX to XX/XX/XXXX. How are you as Capital One said protecting especially your company. You left an account for all activity, status to be left open. For fraudsters who has/had access which I reported fraud activity. You told me in order to especially protect your company you said I would have no access, account closed.

Company response to consumer: Closed with explanation