Consumer complaint received 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I obtained a free annual credit report for XXXX XXXX and XXXX. Much to my chagrin I saw accounts that I do not own, name variations, social security number variations and many other items that I quickly disputed over a month ago through the proper channels via US certified mail. I have my receipts. Among the disputed items was the company XXXX XXXX XXXX, address PO BOX XXXX XXXX, SC XXXX, phone number XXXX, account number XXXX. This was listed on all of my credit reports showing a false debt in the amount of {$810.00}, with an alleged or supposed date of first delinquency on XX/XX/XXXX. This was and is horrifying to me because I am not their customer nor am I a customer of any affiliates. XXXX XXXX never mailed me, never emailed me and never called me about any account or accounts with them or any other creditor. Their fraudulent information just appeared on my credit reports. They did not comply with me or with the credit bureaus within 30 days to validate the debt. Since they did not respond to my dispute I called them to inquire and possibly dispute by phone. They said it was a Capital One account that was delinquent since XX/XX/XXXX and asked would I be scheduling a payment. XX/XX/XXXX is beyond the statue of limitations. I explained that the account did not belong to me and that I needed to speak with Capital One to find out what was going on. When I asked for the name and badge number of the XXXX rep I was speaking with she changed her story and gave a different account number XXXX, different dates and false addresses and insisted that I give her my mailing address and social security number. That was alarming so I ended the conversation with XXXX  and called Capital One and asked them if I had or have an account in my name. They said if I did it could be found a few different ways and when none of the options turned up an account in my name they asked me to verify my social. I was hesitant, but I was under pressure to get this resolved with XXXX. When I gave Capital One my social they discovered 2 accounts for me, which added to my anxiety. They asked if I had any idea who would do something like this and I could not hold it in anymore. I broke down crying on the phone and shared some of the worst things I have ever experienced in my life with a stranger. The Capital One Rep said she was sorry to cause me to relive the trauma, but that she was working to have both accounts removed from all three credit bureaus and needed a good mailing address and phone number to reach me and if they needed anything else from me I could fax it to XXXX. The other account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX account number CAPIT-XXXX in the amount of {$1900.00}. I have been very depressed over this because it is difficult to try to have a normal life after years of living in fear that my attackers who made my life a living XXXX may find me! I decided to check my credit reports online yesterday XX/XX/XXXX and XXXX XXXX XXXX was removed from XXXX and XXXX so apparently Capital One kept their word to have these fraudulent accounts removed from the credit bureaus in my name. I called XXXX again on yesterday XX/XX/XXXX to update them and they took me through a frightening series of unscrupulous business practices trying to pry my social security number from me, seeking to collect a debt that is not mine. They know it is not mine even after I explained to them that Capital One assured me that they would have the items removed from all credit reports as soon as possible because they verified that none of the addresses or phone numbers or email addresses used to open the accounts belonged to me ... Capital One said they could see that even the home address listed a PO Box ... Capital One asked did I know how this could have happened or who could have done this to me ... I explained to them that I am a victim of violent crime associated with gang violence. My personal information was compromised when they stole my IDs and opened accounts in my name. I am the victim in this circumstance and yet XXXX threatens to sue me and completely disregarded the fact that Capital One already acknowledged that the information on file does not match anything associated with me ... I need help to get XXXX to cooperate. They know I reached out to them almost 2 months ago with the dispute and so has the credit bureaus. XXXX needs to be removed from my credit reports and be held accountable for insubordination, non-compliance and corrupt procedures. Please help me! Concerning the statute of limitations, their representative claimed that the debt dates back to XXXX and I noticed how they refused to give her name and badge number as well and did not comment on the fact that-that was withheld from me. They also failed to acknowledge that I called them in XX/XX/XXXX when I first saw fraudulent activity related to this account on my credit reports. 

They show a lack of compassion. They show greed by any means necessary ... the strong desire to collect a debt that is not mine and a desire to make me go in circles ... a stunt to keep this on my credit reports. 

They act as if XXXX did not conduct a thorough investigation, as if XXXX did not contact them stating that the debt is fraud and the result of identity theft and therefore XXXX removed it from my credit report, along with other related items! XXXX  removed XXXX XXXX from my credit report within the past few weeks the report was refreshed ... 

XXXX XXXX claims that this is the first time they received anything from me in writing on XX/XX/XXXX yet they acknowledged receiving correspondence from the credit bureaus in writing FROM ME ... they failed to mention that they received this information in early XX/XX/XXXX. 

Capital One acknowledged that the account does not belong to me ... there were 3 accounts on my XXXX   credit report related to Capital One and one was in good standing though it was not mine! Capital One acknowledges that they are not my accounts ... I noticed thaXXXX XXXX XXXX also failed to admit this and that ALL of the contact information linked with the account does not match any information linked to me. This is conveniently evasive of XXXX XXXX. They are transparent. 

Does it make sense that this is the first time that they have been contacted by me XX/XX/XXXX? Perhaps that is a typo and they meant to say XX/XX/XXXX or XX/XX/XXXX ... maybe it is an oversight. Otherwise, it is gross negligence on their part. 

I need your help to resolve this. 

Now to make matters worse Capital One is not properly communicating within their various departments to help resolve this completely. XXXX was taken care of properly but not XXXX XXXX XXXX my credit report from XXXX in XX/XX/XXXX shows 3 accounts for Capital One. Two were collection accounts and one was showing good standing pays on time. I disputed all 3 and 2 out of three were removed. The problem is Capital One listed the same fraud debt twice. I have a copy- as if trying to double dip or collect twice on a fraud debt. This is illegal. They already acknowledged that the accounts were fraud to me and to XXXX and removed the one in alleged good standing that said pays on time but left the one they sold for the same debt to XXXX XXXX XXXX and now both harass me and worst of all Capital One changed the address associated with the dispute to the address linked with the account. I confronted them because they and the credit bureaus said the address on file listed a PO BOX as the residence so the accounts should have never been approved. Either they are deceitful and took advantage of my information used when disputing and switched it in their system or this is a nasty oversight. They are caught because when I disputed with XXXX  Capital One sent alleged information about the account to my parents house and all of the addresses are a PO BOX listed as residence and none of the information matches any address, email or phone number of mine. Either way I need them to remove this from my credit reports with all 4 credit bureaus and never attempt to collect again.

Company response to consumer: Closed with explanation