Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to Capital One Credit card company. A personal credit card was opened in my name On XX/XX/XXXX. I have never applied for a personal Capital One Credit Card, Only to be added to a company business card In XX/XX/XXXX which was according to Capital One denied. 
On that same date ( XX/XX/XXXX ) over {$3000.00} dollars was spent on the card and it was overspent which made the account delinquent. According to Capital One ; they never sent any credit cards out because they do not send cards to delinquent accounts. Since XXXX i have filed multiple disputes with Capital One. 
For the first dispute they agreed that it was fraud and my account was corrected as such. HOWEVER, they later ( about 45 days later ) Changed their decision without informing me saying that it was reviewed again and it was linked to me. 
The only information that Capital One has linked to my identity is my name and SSN. The Street address, mailing address, phone number and other personal information is all wrong on the account. 
At one point i even spoke to a supervision on the fraud ingestion department on the phone and they told me " this is not fraud or identity theft as it traces back to you but it does seem like someone has access to your personal information and is using your credit card. '' Again ; I have NEVER had a Capital One Credit card to the extent that they try to read me a card number which I don't know because they themselves admitted on multiple occasions that they never sent a card out. 
I have a police report from XXXX XXXX XXXX 's office in which the conclusion was i am a victim of fraud and identity theft which I submitted to Capital One and they still said it was a valid account. 

On top of the fact that this is not my card and not my account, they never sent me the information requested, and will not tell me who is ACTIVELY even during the investigation period and after i have closed/frozen the card ; someone is still making purchases on it as late as last week ( this post is now in XXXX a full 8 month after i found the problem ). 
Capital One will also not give me access to the account to view personally as they " can not verify my personal identity and it could be a security issue ''. 

I do not see how they can Verify enough of my personal information to say that it is my account and i do owe the money yet they Cant verify my identity enough to give me the username or password to an account that is supposedly in my name. 

Capital One at all stages has been a hinderance to resolving this issue. 
Even when I requested legal information such as where my lawyer can send filings to as well as how to contact Capital Ones legal team. They failed to produce any information. 

Capital One has failed to produce any evidence or information I requested in any timely manor as it has been XXXX  months now and I still have yet to receive any documents via email or mail. They have actively hindered my attempts to receive documents and correct information that they have " verified '' as mine such as the incorrect mailing address email address and phone number so i may even receive any information regarding this and also have never contacted me Personally for the results of the investigation. I only know the current results because XXXX XXXX has sent me alerts days to weeks after they have been submitted. 

I would love to upload documents/ files for this case however I have received none from Capital One therefore I have none to attach. Once I finally receive the Information requested I will submit the documents.