Consumer complaint received 2016-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In looking over the documents you sent, not only did you skip over the main issue all together, but I can assure you, your research, which I appreciate, is not accurate. 
# 1, I do have proof that there was a card in the name of XXXX sent to my house on my account, I had a witness present. 
# 2 As well, I did not have a card with CAPITAL ONE that was not secure, card ending XXXX was indeed a secured card. We did not have any cards at the time that were not secured. 
# 3. On every account, I made my payments on time. And just to make mention of XXXX card, on card XXXX, the amount of deposit was XXXX for a XXXX credit. You were in possession of the XXXX security deposit and I made XXXX payment. The cards are not unlimited cards in that we went well over the XXXX balance. So If I had a XXXX deposit, and I made a payment of XXXX, Assuming that I did use the whole balance on the card, then the card balance would have only been {$170.00} in which the XXXX deposit should have taken care of that in which you would have owed me money. The issue, is all the cards, I see that I made a payment after, and each card had a secured deposit of well over half of the value of the card, and I must assure you that we did not have a XXXX card that was unsecured. 
# 4. I spoke to a FRAUD person on the phone, and I canceled the cards due to identity theft issues, not only was there a witness, in XXXX 2012, we had witnesses tell us that our CAPITAL ONE credit cards were being used by someone who had stolen the cards. A police report was made and you were notified. I have over hundred emails and faxes and several companies had tried to get a hold of you. 
# 5 Furthermore, on XXXX XXXX, 2012, we had our whole entire apartment robbed, and we were also beaten on the property, as well as our personal records, and such were taken as well as several of our CAPITAL ONE CARDS. So when we filled out the police reports we not only put the cards in the report, we faxed CAPITAL ONE a copy of this XX/XX/XXXX, and we had already closed the accounts, as I said, we talked to the FRAUD DEPARTMENT as I said. So, all the letters sent after the accounts were closed I am not sure I understand, we put down {$600.00} on the {$750.00} card ending XXXX, if you look at the date, it was XX/XX/XXXX, it was first card I got, it makes common sense that it would have been a secured card too as I did not qualify for any other card from CAPITAL ONE at the time. 
Card ending XXXX XXXX deposit, XXXX limit, and and I paid {$330.00} after closing card. So, XXXX plus XXXX is {$750.00} and the secured cards do n't go over the amount the card has limit for. So, {$930.00} you were in possession of for the {$750.00} card on close. And that is even if the bill was at {$750.00} at close I already explained card ending in XXXX, and the other XXXX follow. I made payments all the way through, I paid balances of a couple times a months on each card. And I made a payment a day or so after closing accounts in good faith bringing the account balances back, even though the cards were in others possessions and used without our consent, I still made the effort to CAPITAL ONE. 
On all XXXX cards, I put {$1900.00} secured deposit, and all together the cards only equaled a value of {$2500.00}. so, if at best, I was to have owed anything it would have been {$600.00}. But, as I looked at the statements, I noticed something peculiar, CAPITAL ONE re applied well over $! 000 's of dollars in purchase adjustments after the accounts were closed and I made my last payment.

Company response to consumer: Closed with explanation