Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of synthetic identity fraud and have been for the last 6 years and have been fighting and disputing these fraudulent accounts that have been opened ( and subsequently proven fraudulent ), then closed and reopened ( twice in XXXX, then twice again in XXXX ). The same offender has stolen my social security number ( SSN ) and opened up fraudulent accounts with Capital One ( banking, credit, and participating stores ) multiple times, using the same alias. 
Capital One is a horrible, unethical institution that has been awful and keeps allowing these fraudulent accounts to be opened despite their promises to flag the fraudulent profiles ( the fraudster continues to use the same alias ) and this has allowed synthetic identity fraud to occur with the same outcome each time ( I call with XXXX and they refuse to close it, it's proven fraudulent, they say to mark the file to prohibit the same thing from happened and it re-occurs ). 
In XXXX, I filed a police report on XX/XX/XXXX ( can provide documentation ), a complaint with the FTC, opened up a restoration case with XXXX and legal assistance. Another account was opened immediately following closure despite their assurance that the account had been closed and the alias flagged ( my own identity is frozen, with theft protection ). Again, this occurred in XXXX ( in which I filed an additional police report XX/XX/XXXX ). Each time Capital One has been unhelpful and after calling their department, each rep provided me with conflicting information on what the proper steps were. Each time I followed up with the three credit bureaus. 
On XX/XX/XXXX, I recieved another application alert from XXXX, again from Capital One, that was used to fraudulently apply for a credit account with my SSN that I did not open. When I called with XXXX to resolve this, they told me that the application was approved and that a new account was opened. When I asked whether the name on the account was this alias ( each time Capital One has sent a letter to me with the fraudulent name on the letter head so I know the name ) and they were able to confirm that yes, there was a match on that name. The fraud division ( XXXX? XXXX told me I had to take certain steps, which I did and it wasn't resolved. I called back with XXXX XXXX more time and another person in the fraud division ( XXXX, who was helpful ) outlined different steps. Still not having this resolved, I did call XXXX on XX/XX/XXXX and went through the same steps, this time with another person ( XXXX ) that lied and said that no account was opened after the applications department confirmed it was. Then, a restoration case was opened with XXXX, a police report filed and again, we called Capital One a fourth time ( spoke with XXXX XXXX XXXX to be told a completely different plan to action and said to call the SSN Administration ( I did, and have continuously over the past 5 years and again, this has been proven to be identity fraud ). I am completely appalled that Capital One continues to let these accounts be opened after proof has been provided and legal action taken to close these accounts and these aliases proven fraudulent.