Consumer complaint received 2020-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen and used to open two credit card accounts at Capital One. 
These accounts were not opened by me or by anyone who had my permission to open these accounts. 
I never benefited from these accounts knowingly and had NOTHING to do with their creation. 
I found out about these accounts and several others and loans etc that had been opened in my name without my knowledge or blessing. 
I was a victim of identity theft and someone tried using my name to establish a credit history that I had no awareness of whatsoever! I was victimized in the extreme! 

After learning of this theft, I filed police reports and an identity theft report with the XXXX AZ police and the Federal Trade Commission on XX/XX/XXXX. OVER A YEAR AGO! 

I also called all of the companies who had accounts opened in my name fraudulently because I was sure that they would respond positively about my alert and correct the fraud that had negatively impacted my credit reports. 

All of the companies I contacted responded properly and followed the law meant to protect me EXCEPT Capital One. 

On XX/XX/XXXX I deposited into the mail via certified return receipt letters to Capital One, Capital One signed for the letter and a receipt was obtained. 

Capital One sent two letters to me XX/XX/XXXX and XXXX XXXX One letter dated XX/XX/XXXX properly deleted an account in my name. 

Another letter, dated XX/XX/XXXX from Capital One REFUSED to delete another account in the amount of {$430.00}! 

Of all the companies I reported the theft to this was the last account and they simply REFUSED to thoroughly investigate this identity theft! 

Capital One did remove another account properly. 

I had TWO accounts opened at Capital One in my name fraudulently and they simply would not delete the account that had the lesser amount of {$430.00} as the reported balance. 

That is when I began to panic as all other companies had properly responded to my victimization yet Capital One wanted to continue to victimize me! 

Essentially trying to coerce me into paying a debt that I did NOT create! 

The fraudulent account remained on my credit report even though I sent the following documents to Capital One On XX/XX/XXXX : Letter explaining what had happened and how I was a victim of identity theft. 
Copy of Federal Trade Commission Identity theft Report. 
Copy of XXXX AZ police report detailing identity theft. 
Copy of Washington state drivers license. 
Copy of utility bill. 

The credit card issuer has failed to thoroughly investigate my identity theft and failed to remove the single credit card account in the amount of {$430.00} and absolve me all charges related to this account and they have kept reporting it. 

On XX/XX/XXXX I sent yet another notice to Capital One via certified mail that they did receive on XX/XX/XXXX that they have failed to properly investigate my identity theft and I demanded copies of all relevant evidence upon which they have relied to assert the account is mine. I have requested they provide me with all IP addresses associated with the opening of my account, screenshots of account, emails associated with my accounts and signed documents within 30 days.

Company response to consumer: Closed with explanation