Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Case Number XXXX Re : Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Sir : On XX/XX/XXXX, I retired from the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Center after XXXX years of service as a XXXX XXXX XXXX. Moreover, on XXXX XXXX, XXXX I purchased my XXXXXXXX XXXX building at XXXX XXXX XXXX XXXX, XXXX, IL XXXX where I have been the sole Property Owner for XXXX years. Fortunately, on XX/XX/XXXX I was approved for a {$140000.00} mortgage refinance from XXXX XXXX XXXX XXXX. I am so proud that all of my hard work of paying my bills on time for over XXXX  years has finally paid off! 
Unfortunately, on XX/XX/XXXX I had to have a total XXXX XXXX XXXX at XXXX XXXX. While recovering from my XXXX XXXXXXXX on XX/XX/XXXX I was contacted by Capital One that someone illegally opened up a Capital One Walmart credit card ending in # XXXX on XX/XX/XXXX in the amount of {$2100.00} in my name. This someone stole all of my personal information including my name, address, cell phone number, email address, date of birth and social security number. Equally disturbing, they listed my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX as authorized users on the credit card with their birthdates, social security numbers and cell phone numbers. Immediately on XXXX XXXX, XXXX I filed an identity theft police report under XXXX. # XXXX with the XXXX Police dept. ( See attached police report copy ). Consequently, I faxed and mailed my signed and notarized Affidavit to Capital One stating that this fraudulent credit card is not mine. ( See attached copy of Affidavit ). Although I have taken all the necessary steps to prove to Capital One that this account is not mine, Capital One continues to bill me and call me every day demanding payment. 
More importantly, Capital One is reporting to all 3 credit bureaus : XXXX, XXXX and XXXX this fraudulent and delinquent credit card on my credit report! Furthermore, Capital One has not provided me with one shred of evidence or PROOF that I am the one that made these transactions! They REFUSE to provide me with the transaction history. They have not provided any VIDEOTAPES of me making these illegal purchases. Isnt it a fact that in the United States justice system that a U.S. Citizen or Consumer is INNOCENT until PROVEN guilty?! Consequently, Capital One is allowed to destroy my credit that I worked so hard to build for over XXXX years!! Now, I am being violated by Capital One along with the someone who is stealing my identity. This is morally unjust and illegal for Capital One to report this fraudulent credit card on my credit report each month without providing PROOF to me and the 3 credit bureaus! 
In conclusion, I urge XXXX, XXXX and XXXX credit bureaus to demand that Capital One provide factual PROOF that this is my account. If Capital One can not provide actual PROOF, then Capital One MUST REMOVE this from my credit report. I sincerely hope the 3 credit bureaus resolve this matter expeditiously. In the meantime, I and MY CREDIT are SUFFERING because of Capital One. 

Thank you for your time and attention to this matter! Please feel free to contact me anytime via email XXXXXXXX XXXX XXXX  or cellphone XXXX XXXX XXXX. 

Respectfully, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
CC : Illinois Attorney XXXX XXXX XXXX XXXX Consumer Protection CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Capital One