Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This explains everytthing. I emailed this to my Representative XXXX XXXX on XX/XX/2024 : I hope Ive correctly categorized this matter. It might also fall under Consumer Affairs. Anyway, XXXX try to be brief. 

Today I received a banking statement for a credit card account that I did not create and that I know nothing about. The current charges are {$0.00}, but for all I know this is just a first step in a larger criminal scheme, and my savings might be emptied out tomorrow morning. Its obviously a case of identity theft and fraud. Perhaps an emergency situation. 

I immediately called the credit card companyCapital Oneto alert them to the crime, but the result was about an hour and a half of total insanity. I gave them all the information shown on the bill they sent me, including my full name and address as well as the complete account number of the bogus card. And my phone number. And yet they REFUSED to take any action unless I provided them with other personal information about myselfwhich I declined to give them because they are obviously incompetent and untrustworthy. 

They insisted they were UNABLE even to look up the account using the name and account number. Which is on the face of it a monstrous lie. All they would do was give me an employee number for one of the three people I talked with ( XXXX ; XXXX ) and a case number ( XXXX ). But they then said there is no guarantee that the case number and the notes associated with it will not be erased in the foreseeable future. Along with the recording of our conversations. Perhaps they have already been erased. 

They also refused to escalate the matter to anyone else at Capital One, and they refused to give me any phone number or email address for anyone else at the company. 

Also very significant : Capital One is the same company that did me a great deal of injury in a similar way over XXXX years ago, when I signed up for XXXX and gave all my personal information to the XXXX government website, from which it was immediately stolen. My information was then sold to a crook living in a housing project on XXXX XXXX XXXX XXXX in the XXXX section of XXXX XXXX  XXXX who purchased a lot of things that were charged to me. 

Capital One was of NO help in resolving the matterwhich went on for months. And I think it is very clear that Capital One was also to blame for issuing that credit card to the crook to begin with. Because of course any RESPONSIBLE credit card company checks with a credit reporting agency to make sure they know who theyre dealing with. If Capital One had checked on me, they would have found that I have lived here in XXXX Oregon for about XXXX years, and have never in my life resided anywhere near XXXX. 

I am writing to you with two objectives : I think Capital One shouldat the very leastget a talking to from whichever government agency oversees their business practices. And Im of course hoping that someone from your office or from the appropriate agency will contact Capital One on MY individual behalf and MOTIVATE them to fix this problem they are causing me. Because I am not rich and thus can not afford lawyers, and thus I do not know who else to turn to.