Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reported to Capital one to close my credit card, checking account, was relieved that Walmart who's under the umbrella of capital were closed. Great I thought all 3 accounts closed. Capital one confirmed with me over, over in XX/XX/XXXX that they would submit the unrecognized transactions to their department because at the time I had no capital one credit card. It was pretty hectic I'm trying to figure out from filling out applications for jobs online to staying at the hostel in XXXX XXXX XXXX, three suitcases, going into clothing store ( my routine XXXX XXXX to walk around don't know if I left card on counter or dropped it on the ground or a co worker I was talking with, meeting up with just to look, ask questions about a job, I did get up to go to the bathroom leaving my purse on the seating area. I noticed something that did not look right. One I keep my personal information in my purse securely to logging but I noticed that including signing online with capital one I couldn't, I stated over and over once I saw this unrecognized transactions, couldn't login, no credit card on hand repeated. I then received an opportunity to apply for a job with the same co worker I had reached. It was strange it's like I don't all my information seemed to be coming from someone who creepily knew my identity once I lost my personal identity, cards. It was weird, full blown trick. It was messed up. I kept contacting capital close credit I swear if XXXX record shows that they confirmed closed because I reported the situation with compromised, identity, credit card, unrecognized transactions, no fees would be applied, account closed..They took payments on the phone when I verified only the charges I recognized not the compromised transactions or unrecognized. I stated that these fraudsters did not target my Walmart credit card or checking they targeted my credit. It's like I'm in the passenger seat, the fraudsters are in the driver 's seat completely taking over. Omg it is so scary when it's like a trail that I'm not leading because I'm a victim of identity. Imagine now the ridiculous every time I contacted capital one they disregarded my phone calls, desperate pleas. As if now that these fraudsters have the card, access login Capital one I kid you not ( couldn't login for the life of me to view, nothing ) ( nothing being forwarded to me ) capital one kept the account open from XXXX, the continued to leave capital one account open for a whole, open for the fraudsters when I verified my whole identity to close close account. Crisis ... alert ... close account. Don't leave it open I said this does not look right. I had my last glimpse, these fraudsters had taken over, I had no card, no access. XXXX XXXX I told capital you name it police to protect my identity, filed in case anything, I have the police report, so many reports, fraud alerts, copy after copy. Yet in XXXX ( even though I had stated capital one my only account to make payment is XXXX XXXX which by the way XXXX capital one raised my credit limit happily from XXXX but did not do anything when I said no credit card in hand, no access. Just 3 suitcases in XXXX XXXX and homeless but capital one brushed me off. I don't have the technology or capability to one force myself to be worse than homeless when I had been wanting to sustain a better credit history so I don't have low credit score so I can do better like applying for home, better or a second job to get off the streets. Capital one left the account increased the amount to fees etc to what the fraudulent used the unrecognized amount for a year to now close to 700. These fraudsters know what they're doing they figure they would go shopping, leave up to real identity of the person that they using on the capital one account, burden on me. Trying to tell capital I'm the victim, victim of identity theft. Capital one leaves account open from XXXX all this time I'm thinking at least by closing the account, protecting my identity, protection of capital one company nope capital one left account applied fees increased left account open for fraudsters, charged off account sends me an unknown link a year later, because I don't want to submit to this link my personal card capital one does in a few days into my credit score. I was shocked to see capital allowed capital account, online, credit card open for the fraudsters, kept increasing, increasing. by allowing the account to stay open capital one do you know or realize what you just did. You allowed these fraudsters to not only have access ( when I asked you to please close but yours as well ) This account was supposed to be closed, when someone calls in close unrecognized, no card, no access your immediate would be is to close this account. You confirmed with me in XXXX that the account is close, I as the credit card holder to protect you would close, to protect it I don't need a new card just in case these fraudsters try to access, I never you stated would have an opportunity to have an account so why leave an account open when I asked you to close it. I never requested it to stay open. Nope you wiped all payments for only the last location I remember, when I had requested account closed, but then you leave account open for fraudsters to have access, make their fraudulent unrecognized transactions, applied, increased amount wait why would your capital one representatives say no extra charges applied to a closed yet you kept it open, increased the amount of that unrecognized transactions, applied fees??? So many identity theft, FBI IC3, XXXX  police starting in XXXX, even to this day ( I am even afraid to get a current ID, fear of my identity asking authorities to protect my identity, to report these non stop unknown fraudsters. I am on my 2nd fraud alerts so that ( I have a letter ) from XXXX  so that XXXX, XXXX, XXXX  has placed a second fraud alert on my behalf. To this day I am getting companies, having to report someone has or is using my identity I am a victim, accounts, address 's. This is scary but I did try to tell you capital I tried.

Company response to consumer: Closed with explanation