Consumer complaint received 2021-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My issue is with Kohl 's. In early XXXX i checked my credit, as i used to do once a year and realized there was an issue with my credit report. i realized it had now listed a credit card i hadn't ever applied for from early XXXX of XXXX that was approved with a {$300.00} limit. It's by miracle that who ever stole my identity and fraudulently opened that credit card while using my name, while absolutely appalling, something struck me as very strangely odd. Upon contacting and going back and forth checking my credit i learned that they didnt max all the {$300.00} limit, instead i now owed over {$500.00} despite them purchasing under {$100.00} in merchandise, the $ XXXX are late fees and such. According to Kohl 's and the little bit of information i was not provided with but more so confronted and accused of upon contacting them, according to Kohl 's, an individual they allegedly presume as myself XXXX which was definitely not ) Applied and was approved for a Kohl 's credit card in a store and right after the card was charged for the first and last time. Upon inquiring to see which, if any proof of identification such as state issued drivers license or equivalent did they have to verify idenity. I was unable/denied any kind of proof or even provided any information that was used as information while applying, such as address, ect. As I've previously lost numerous drivers licenses over the years since first recieving one XX/XX/XXXX. What worried me was how a social security would be used, as I've never had any other issues with anyone else using or stealing my identity. Being a State of NJ XXXX XXXX XXXX that worries me immensely till this day. No one should of been able to apply and allegedly get approved while provide a likely expired old lost ID that definitely was not me, didn't match me, so im not sure how they compared it to the individual. Either way that's identity fraud as well as another number of offenses but and as far as I'm concerned it was absolute negligence on their part. I've disputed it ever since XXXX, i explained it hadn't been me. I asked and practically begged to show me something that might be able to provide some kind of insight to my regarding who's done this. They absolutely refused to cooperate. The account had been closed and charged off at that point. Upon the last attempt of disputing that information they not only denied it yet again, without being able to provide anything what's so ever to me. Upon speaking to them over the phone i was hung up on, later that week my dispute was not only denied but my credit score dropped from high XXXX in XXXX to barely XXXX. Why, because retaliation. Which last i checked is an illegal practice. I've disputed this account a good 3+ times since first learning about it in XXXX yet suddenly in XXXX of XXXX they updated the status update past due date, despite the fact that its previously already been changed off and submitted as a charge off in XXXX of XXXX. The first time i disputed, nothing was updates. The two additional times in XXXX nothing was updated ans no dispite hurt my credit. It was only after the fourth dispute in XXXX of XXXX and most importantly the grossly unprofessional phone call on their part, rudely informing me that they're not going to and don't have to provide or show any proof of whatever identification was allegedly shown or given as 'me ' while applying for a credit card. She said due to it being closed, charged off - first payment never received account since years ago there is nothing they can do for me, followed by the line going dead. Days later i recieved an update on the dispute as well as a drop of my credit score.They retaliated this time by updating the " Past due as of '' date. Dispite being closed and later charged off in XX/XX/XXXX they updated the records to " Account charge off {$500.00}. Written off {$500.00}. Past due as of XX/XX/XXXX. '' The 3 previous times I've disputed absolutely nothing happened, Other than them denying my dispute. But this time suddenly there's an update, making my credit score drop 90+ points because of an account that's not mine, that's closed and has previously been changed off two years prior to.

Company response to consumer: Closed with non-monetary relief