Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, received an email that a new checking account had been opened in my name at Capital One ( message below ). I immediately tried to contact the abuse email provided as contact. I have done this twice now with no response. I have also received a debit card in the mail ( unauthorized ) and further emails asking me to deposit money. I need to know 1 ) if somebody has stolen my identity and I need to take further action or 2 ) why accounts are being opened without consumer authorization and is that legal. The communications are confusing and alarming. I work for a bank and we would never put consumers through such blatant disregard for privacy much less not respond to inquiries regarding such actions. 


XXXX, XXXX to make your life and banking easier with 360 Checking?

Youre on your wayheres how to get the most from your new account.

Make your first deposit. ( This is required. ) There are a few ways to do it : Make a mobile deposit.

Transfer money from an external bank account. ( Dont forget to verify your external bank account if youve already started linking it. ) Deposit cash or a check at your nearest Capital One ATM or branch location. 
Learn more about how to add money to your account or sign in to add money now. 





Download & sign in to the Capital One Mobile app.

Bank from the palm of your handtrack your spending, pay bills and stay updated with fraud alerts.

Its easy to download the app : Visit the app store and select Download or text XXXX  to XXXX to get a download link. 
Enter or set up your sign-in information. 
Sign in and bank on. 




Activate your contactless debit XXXX when it arrives. 

Your debit card will be shipped via USPS in 5-7 business days and will arrive in a plain white envelope. Sign in to track the delivery.

Activate your debit card in 5 simple steps : 1. Sign in to your account.

2. Choose the account linked to your debit card.

3. Look for the Activate your debit card link next to the debit card delivery tracker on the web, or below your account balance on the mobile app.

4. Enter the expiration date on the card and choose a 4-digit PIN.

5. Select Activate and youre good to go. 




Get paid up to 2 days sooner with early paycheck. 

Just enroll in direct deposit by giving your employer/payer your account and routing numbers. ( Theyre easy to find when you sign in to your account. ) Or you can provide a completed Direct Deposit Request Form.

Sign in to your account More to love about 360 Checking Check out account tools, tips and features Find a branch, XXXX or ATM near you Send and receive money with XXXX XXXX your bills to your new account Please disregard if you have already taken these actions. 













Download the Capital One Mobile app.

About this message Web access is needed to use mobile banking. Check with your service provider for details on specic fees and charges.

Your 360 Checking account must be funded within 60 days of account opening, otherwise it will automatically close. Mobile app download and sign-in, debit card activation, and direct deposit enrollment are not required. 
By clicking on the download link above, you will be taken to a site hosted by Capital One, XXXX or XXXX. 
Mobile deposits are available only in the U.S. and U.S. territories. 
Deposit limits apply; you will be notied of the limit at the time you make a mobile deposit.

The Capital One Mobile app has a XXXXstar customer rating on the XXXX XXXX  and is in the top 10 % in the Finance App category as of XX/XX/XXXX. 
The Capital One Mobile app has a XXXX-star customer rating on XXXX Play and is in the top 10 % in the Finance App category as of XX/XX/XXXX. 
As of XX/XX/XXXX there are XXXX XXXX, XXXX XXXX and XXXX Capital One ATMs. 
The site may be unavailable during normal maintenance or due to unforeseen circumstances. 
Early paycheck is available for 360 Checking customers that set up direct deposit with their employer or other payor to receive electronic deposits of regular periodic payments ( such as salary, pension, or government benets ). Certain non-payroll and tax payments are not eligible for early paycheck. Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payors payment instructions and therefore you may not always see your direct deposits arrive early. Early paycheck eligibility may vary between pay periods and daily/transaction limits apply.

It may take two cycles for your direct deposits to take eect. 
XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. 
XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 
U.S. checking or savings account required to use XXXX. Transactions between enrolled consumers typically occur in minutes. 
Transactions can be sent using email or U.S. mobile phone number ( U.S. mobile phone numbers only ). 

Important information from Capital One Contact us | Privacy | Help prevent fraud To ensure delivery, add XXXX to your address book. 
This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you XXXX have submitted. 
Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners. 
Please do not reply to this message, as this email inbox is not monitored. To contact us, visit www.capitalone.comXXXX 


Products and services are offered by Capital One XXXX N.A., Member FDIC. 
XXXX Capital One. Capital One is a federally registered service mark. 
XXXX XXXX XXXX