Consumer complaint received 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I contacted Capital one in XXXX  XXXX XXXX notifying that i have no online access, unknown charges, ( I don't make check payments, I don't use checks, I don't have XXXX  XXXX  accounts, or XXXX  because prior to XXXX I had already contacted authorities ( XXXX XXXX that my identity is being used for unknown accounts, addresses, jobs you name it, included contacting capital one to make also aware in XXXX. ) By the time In XXXX with suitcases ( 3 ) and to this day Capital is using XXXX XXXX XXXX as my primary address which is unusual because that is messing up my identity with all credit burueas. All I have to do is enter my social security since XXXX to speak to a live customer service representative XXXX, the last time they took my call was in XXXX of XXXX. ( they will not answer the phone, I do not want a credit card with capital one, I am a victim of identity theft. I have never seen an account takeover to the point I can not login in capital one I told them in XXXX, those charges are not mine, unrecognized amounts. unrecognized checks, dragging suitcases. These scammers had fake accounts, taking over testing with checks that were not mine. I told Capital one to close account close account close account in XXXX of XXXX. Guess what capital one did left the account open from XXXX to XXXX, send me a link an unknown link in XXXX to make a payment without some comfortable at least some authority saying this a valid link, no calls, even when I called in for the valid payments that I recognized in XXXX some their representative took my information, debit card to make payments or a least i thought they were taking my payments from capital one, how is that this person could in return pull up my information, know my capital one details. Capital says no that I never made payments. So who was this person saying capital one in XX/XX/XXXX saying they are capital one, and taking my info, payments. Then Capital is increasingly ruining my identity with a XXXX XXXX XXXX california. It is locked everyone thinks I am in California. I can move to XXXX XXXX or Florida guess what government agencies think just because Capital one thinks I am at an unknown address in XXXX XXXX, all agencies believe Capital has a high reputation, can magically change my info personal at the wave of a wand. Capital has placed a negative of my credit score for me being a victim. I would never want a credit card from Capital one why because I was the one to provide in XXXX to XXXX if anything unusual comes into my credit card account please notify and stop, Capital one did nothing to close the credit card account, once I verified my identity, said close which Capital one confirmed with that account closed in XX/XX/XXXX because once reported they said effective immediately it will be closed, to protect correct this account will be closed, i was told they only leave the account open once a decision had been made, and the status of payment paid in full, that was only a decision made by leaders, a closed account I was told no additional charges, send in the report for the activity, unknown charges. Literally in XXXX walked into a police station, ID to please protect. It is now late of XXXX literally has also placed a unknown address that I do not reside at. It is like saying that at any moment or whomever they are in contact can call in saying they are XXXX can see any payments, my personal info, tell Capital one that they are reporting I live in Texas, Capital one over my identity can contact all gov, say reporting XXXX is now in Virginia, no matter what actual location, no matter where i live.

Company response to consumer: Closed with explanation