Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I was living in XXXX, North Dakota at the time ( XX/XX/XXXX XXXX XXXX XXXX ) ; While living in North Dakota I purchased a XXXX XXXX On XX/XX/XXXX. I have a signed 12 month lease proving this was my current location of residence for my Job. In addition to my rental insurance showing the effective start of policy date being XX/XX/XXXX as well as a Employer verification letter from my previous employer stating I was in North Dakota from XXXX. I have filed XXXX police reports pertaining to the identity theft. 

CAPITAL ONE credit card was opened ( XX/XX/XXXX ) When I spoke to CAPITAL ONE I inquired how the thief was able to pass verification and open and account in my name ; I was told they had the correct spelling of my name and correct SSN associated with a viable credit score.. 

The address where the card was sent and used was in XXXX XXXX XXXX XXXX, AL every purchase made according to the bank statement was in ALABAMA. 

It would be later revealed around the same time that the fraudulent credit card was opened ; Two apartment complexes were illegally put in my name as well.These two identity theft accounts has been handled this was included to provide a timeline of the fraud. 

1.OPEN DATE : XX/XX/XXXX IXXXX XXXX XXXX Located in XXXX XXXX XXXX LA ( Creditor : XXXX XXXX XXXX or XXXX Account # XXXX ) 2.OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Located in XXXX XXXX, LA ( Creditor : XXXX XXXX XXXX XXXX Account # XXXX ) and social security number with the assistance and help of the CFPB I was able to have the apartment complexes removed from my credit in addition to the {$15000.00} worth of stolen rental debt resulting from the fraud. The previous CFPB complaint I created the president of RENT DEBT responded and referred to me as a female and I was so confused due to me being a biological male. 

My wife and I contacted XXXX XXXX XXXX and inquired about the apartment # XXXX this information was provided by the president of rent debt in his response to my complaint on the CFPB site. 

The property manager at XXXX XXXX XXXX verified she remembered the person 's who previously stayed in the apartment an who stole my identity and used my name as their alias name she stated it was a XXXX American / Biological female she also had living in the apartment with her a young girl who they think was her daughter and a elderly XXXX American Male in a wheel chair. I asked XXXX how was the women able to use my SSN and name with providing two forms of ID she said the software XXXX allows online verification and if your able to pass then all you have to do is come in and pick up your keys because everything is done online. 

CFPB Thank you for helping me with the complete removal of the apartment complexes that were illegally done ; I really need this CREDIT CARD removed it is unlawfully on my credit report ; This credit card is the last of the Identity fraud. 

I have tried to resolve this identity theft credit card account with The CFPB before and a XXXX ( XXXX EXT XXXX from The EXECUTIVE OFFICES OF CAPITOL ONE posted a response stating she would assist with the matter. I've spoken to XXXX several times she would Initiate the investigation without providing a option for me to fax or email my documentation proving that I didn't open this credit card account nor have I ever lived in or visited the entire state of ALABAMA. There has been In-between 3-5 Internal investigation 's done by CAPITOL ONE without reviewing any of my documentation and it has been conclude as this debt being valid this has been a horrendous battle this fraudulent account has been so impactful to my LIFE and XXXXREDIT SCORE. CFPB PLEASE HELP ME!!! PLEASE HELP ME!!!. I will upload a file ; I have comprised of documents that prove I did not open this credit card account.