Consumer complaint received 2021-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am from NC, however the person who sought to improve their credit through applying for credit cards in my name without my knowledge and consent has lied and not turned over cards. They have managed to become online at home and if it serves well, this lady was my fiance. She has wasted my time with lies, and because of the information that has been collected by her, she has avoided investigation. First, she sought to establish trust by giving me a credit card on XXXX as a gift with a XXXX dollar spending limit. Then after years passed I received a call from the company. They reported to me that I was behind on payment. I told them I wasn't responsible for that type of card. They came with the details. They said, " even though you didn't open the line of credit you are still responsible. I then told them to hold an called my " at that time girlfriend ". She answered and ending the conversation with the company XXXX XXXX XXXX she gave an update to her many accounts ( as I can say for the number of cards I ran across during our time as a couple ). The conversation ended. I kept receiving calls from XXXX but I would route them to call her. I did not ask for a credit card, I was fine prior to. Forwarding years down the road, I signed up for XXXX XXXX. As a barber apprentice I had to establish my own do 's and dont 's regarding credit. I found hard inquiries and soft inquiries. I went to find why. There had been 2 more cards that she had applying for without my knowledge. I began a rant for several months now. We share a child, we are having arguments, she is not being forthcoming, and I have landed here. I went to reconcile her back today about the dates and times she violated my trust. I ended up gathering the rest of my belongings and I still have a truck to get, but I left with a police escort. The dates of the XXXX card are as follows : XX/XX/2017. Not my consent Dates of XXXX XXXX : XX/XX/2017. Not my consent. 
A XXXX card that she made me an authorized user on. Not my consent. Just passed it to me one day. I tried using it for anything over XXXX dollars which happened only once. Her mobile monitoring declined the transaction. I am fed up. I have been away from the home in which we shared for almost a year now. She is still traveling to other states, cities, and neighboring counties establishing proprietary things. I have been monitoring myself to save face today and hereafter. My concerns are high priority because I believe since I met her online I have been her victim for some time now. She didn't even have a NC license nor good credit when I met her. Now she's emboldened and running a non-profit organization plus her own business in the medical field. She worked for NC XXXX XXXX and is currently causing me problems in public, within my family, and with my daughter. I believe now that I have been her sought out victim since I had her advance towards me on the dating site called XXXX. I will not procrastinate any longer. I need closure plus extra security measures. I ask that this forum be mindful that I have done that same chain of command in my own state NC with the CFPB here. She is from your state Virginia. I request recoil, a thorough investigation into who she really is, and a plausible route to avoid any further financial problems. I thank you and hope to hear from you. And 1 more thing : In our argument today she always admitted her responsibility and did not remember how she got my SSN, family members info, nor recollected she had the current Capitol One card I asked her to turn over to me. She has a bigger following and I believe she also tracks my phone being that I am also a victim of her manipulating with a call from XXXX asking me which phone I wanted. Purely puzzled, I answered and I regret giving her the power she has. Again I thank you and hope to hear from you soon.

Company response to consumer: Closed with explanation