Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1. NOTE : I XXXX XXXX, DO NOT have any accounts with Capitol One. I paid off my accounts with Capitol One on or about XXXX XXXX with a letter enclosed stating Do not contact me ever again. 

2. On or about the year XXXX my Fiance " XXXX A XXXX '' inquired with Capitol One over the phone with customer service, for her account best way for myself to be able to act in XXXX XXXX best interest regarding her account. XXXX XXXX XXXX was born in the XXXX, although she can speak XXXX, it is hard to understand what is being said. AND while she goes home to visit family due to lack of cell phone coverage she is unable to reach out for help if something arises with Capitol One. They asked if XXXX XXXX XXXX wanted to add me to her account and be able to purchase with a credit card thru her account, We both told that person NO! 

3. Capitol One suggested to have me added as a XXXX XXXX like any company out there would have a contact person in this event with staff having a company credit card. We agreed to that over the phone. 

XX/XX/XXXX I received an Alert from XXXX stating that Capitol One had placed a credit report on my with the credit bureau 's stating my credit is getting to high and lowering my credit score. When I called Capitol One on this matter the person I spoke to tried at her best to convince me that XXXX XXXX XXXX did want me to have a card I told her NO several times. Looking back Capitol one had added me to her account at some point without either of our consent, adding my name to the billing statements. XXXX XXXX XXXX saw these statements while she is home never noticed it, she would tear off the payment slip and make her payments. 

4. I contacted a attorney she sent a letter on this matter. Capitol One response was absurd, making demands that they would not respond to this attorney unless I in writing say it was ok or by verbal over the phone and demanding I change my address to the attorney address later at the end of the letter demanding this attorney become Power of Attorney. Very confusing. 

5. I called the number on the letter from Capitol One to give my verbal permission to allow the attorney to talk in my behalf than it all got exposed what was going on. Let me tell you I was Extremely UPSET, this tripped up XXXX he says he is a XXXX, he tells me it is in Fraud, someone put me on as the owner of this account, let alone trying to blame XXXX XXXX XXXX for doing so which she would never do. Then he slips out that Capitol One did this on their own, Capitol One commit-ed the FRAUD Now they are trying to cover it up submitting it as FRAUD to get it removed off my credit report. Today XX/XX/XXXX I get another notice from XXXX saying I'm over my credit limit with warnings how its affecting my credit score which was near XXXX now Capitol One is screwing it up with their FRAUDULENT activities. My attorney told me to file this complaint with you after I told her what Capitol One is or has been doing far to long without any ones consent or knowledge. 

6. I requested a transcription of the conversation seeing it was being recorded XXXX Refused this and told me he didn't have to release nothing to me. He knows Capitol one is at fault and its recorded.

Company response to consumer: Closed with explanation