Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back in XXXX, Capital One NA Bank opened a 360 Checking, and a 360 Savings Account in my name without my permission. Capital One, Previously received a signed identity theft affidavit, and a Police Report from XXXX Police Department. Capital One refused to honor the documents, which included a police officers badge number, and ID as well as telephone number. Capital One did not receive a signed application. Capital One Admitted to committing fraud, by opening these accounts due to deceptive sales practices and identity fraud. Someone stole my wallet and identification information. They applied for these accounts using an address I have never lived at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Capital one ADMITTED to knowing that they sent the account documents ( E-Signed ) To an email address and address both of which I do not own. XXXX, and The address above. When I attempted to apply for an account today for the very first time, Capital One asked me to upload my identification so their fraud protection department could review it, and then afterwards told me they will link my information to the fraudulent checking and savings account that I never utilized nor applied for back in XXXX  with my information from today. I did not agree to that, I did not accept that and I most certainly did not apply for those accounts in XXXX. Capital One advised me they chose to end the banking relationship on account 's that I have nothing to do with. Capital One Refuses to investigate the identity fraud. Capital One knowingly did not verify who it was that was applying back when they opened these account 's had they done so they would have realized it was not me authorizing the applications. I do not have any accounts with Capital One, Credit nor Debit accounts. I do not have any Deposit accounts with Capital One, I have not conducted any business with Capital One. Capital One never sent me a single statement, not once. I have not received a single document from Capital One, and I did not call in to verify this application either. Capital One opened the account under false information such as XXXX, Which was never my number. This number is not linked to me in any of my personal information either, no credit bureau has this information on file. I have not received any monetary benefits from these accounts in question. I believe Capital One opened these accounts back when they got hacked due to deceptive sales practices. Capital One knew these accounts were Identity Fraud, as I sent documentation proof of such. I have never filed a complaint about this before, and Capital One told me I did. Which again is false accusations. Overall I have not received any monetary benefit from these accounts, I did not authorize any account applications with Capital One. This is true Identity Fraud/Account Takeover. Capital One did not have my permission to use, nor share my information. I do not accept responsibility for account 's that I did not sign for nor apply for. Capital One did not provide a signed application, and the identification they have on file for these account 's does not match my identification. Capital One does not have my permission to upload my current information to fraudulent accounts either. I did not give Capital One permission to utilize my current information on fraudulent accounts. I have not had a business relationship with Capital One, and I believe their Investigation has not been properly conducted. Please investigate Capital One, as they refuse to investigate identify fraud/ account takeover, and instead blame victims for Account opening even when the victim never receives a debit card nor applies for the account, nor uses the account. I did not utilize any monetary services from Capital One, and I do not want fraudulent account 's Linked to my information.