Consumer complaint received 2016-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The credit card account in question here - totaling {$17000.00} - was set up using my name and personal information that was shared with XXXX representatives of the XXXX XXXX XXXX. They ( names shown below ) had contacted me about money that I was to receive and I was told that they would cover all costs for the delivery of this money. There are so many fraudulent activities out there today that made me follow through in an attempt to verify the legality of their claim. Based on information I obtained, relative to this type of activity from competent sources, and multiple follow-up inquiries with the supposed representatives ( XXXX XXXX XXXX and XXXX XXXX XXXX ) I moved forward on their proposal. 
They were to take the information requested from me to set up accounts with XXXX banks necessary to deposit the required fees for the competition of all necessary payments prior to the release of the funds. Once the money was deposited into the accounts, I was to withdraw it and send it on to them for the payment of these required fees. 
When the money was deposited into the Capitol One bank account - that they had set up in my name - I sent it on to them as requested ( I was n't concerned at this point since this was their required fees and not my money ). As a security measure, I contacted the bank and talked to XXXX of their representatives to make sure that the money was legally on deposit and that it could be withdrawn. She informed me that it was okay to make the withdrawal. After my withdrawal, approved by XXXX XXXX, someone removed the deposit leaving the " supposed legal responsibility '' in my name. 
In multiple attempted follow-up calls to XXXX XXXX and XXXX XXXX I received messages that said : " This number is not receiving calls. '' After this occurred, I contacted Capitol One and talked to many representatives in a number of departments about the fraudulent action - all of whom would either not discuss it with me or said there was nothing they could do about it. 
I have submitted reports on this fraudulent activity to multiple federal agencies and my local police department and, as of this date, have gotten no resolution. Capitol One did agree to stop interest charges and at one time deposited that interest money back into the account. Since that time, they have begun making additional interest charges. 
The most recent contact with Capitol One was on XXXX XXXX, when I sent a " return receipt '' letter to the person in their fraud department. He had requested this and said that he would follow up with me after my written communication. That has not happened, even though I received the return receipt from the post office. 
Since I did not set up this account and they released the money following my request for verification, I do not think that I am accountable for this account and the charges being made to me. Not one cent of this money was kept by me.

Company response to consumer: Closed with explanation