Consumer complaint received 2023-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been showed you how I have been suffered from identify theft. All my checking account was withdrawn by someone.Let me talk about capital one bank explain.All the explanations dont make sense. 
At XXXX XXXX XXXX XXXXXXXX XXXX was under construction last year.Since the house built, the owner moved into XXXXXXXX XXXX  because I went to that house .Its impossible I lived over there. 
Second because I asked for statements to report police and sent me to XXXX that address.Your bank workers just added to account which is identity theft opened.After XXXX, your bank just send me mail about statements.Thats why my true address is linked to this fraud account. 
Third, On XXXX, I never said its my account. I have said many time I dont have capital one bank mobile app because someone open that under my name.My phone number is XXXX, Never use that phone number begins XXXXPlease confirmed the right number called capital one bank on XXXXif it was XXXX, I called your bank said it was not my phone number Since XX/XX/XXXX. The only one time I sent a copy of Id and social security copy and police report on XXXX XXXXAt last, My ID was stolen by someone, they have my social security number, too.So they do everything.So you confirmed all information is mines. I report police my id and social security was stolen by someone.Even those information can not be reason to prove it is mine open the fraud account, too. 
I am a pity victim. I have closed all my checking account, and my credit score dropped down. I have so tired to solve identity theft which cost a lot hurt and money. You are such a company which have so many customers.You dont care one consumer just like me. I am one hundred percent doubt about when identity theft open account, your bank check address and phone number or not.Because my credit report did not have this address ( XXXX XXXX XXXX  ) on there. I totally think about this was your banker problems.Because of your negligence, I become a victim of identity theft.When this happened, capital one bank attitude totally hurt me.When things happened, they put all liability or responsibility to me.All the time you dont trust me, and never tell me how can I dispute all charges and always refuse to let me provide any evidence.Even capital one workers talked about beneficiaries about this fraud account, capital one refuse to tell me. If I am owner of this fraud account, I dont have right to know, too. I also ask about how it credit card apply, capital one bank refuse to answer.If in person, Have capital one check my appearance clearly.I attached part of my credit report to show since XX/XX/2022, Identity theft did a lot on my credit report.XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX all the company refuse to prove credit card application. I totally understood you have some responsibilities in this case.Because of capital one, I am becoming victim of identity theft.Identity theft use your bank application is easy to get thought.On the other side, You are helping identity theft to XXXXtolen.Finally, my credit score is coming back to XXXXThey trusted me and help me delete this credit card record. I am totally disappointed that what capital one did and what capital one treat on me. I represent a kind of victim of identity theft. I have showed the police report said this account opened without my permission.why capital one choose do not see this.XXXX  XXXX XXXX  is a small money for capital one.But for me it is a lot under pandemic. I spend a lot of to solve all these problems since XXXX XXXXAfter that I dont work a lot.

Company response to consumer: Closed with explanation