Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
This is in regards to recently closed claim with CFPB. Case number : XXXX. I finally received a response from Capital One via the CFPB portal and am appealing their reponse. I am happy to do whatever it takes to escalate this case or file a complaint as many times as I have to. They responded saying they found public records tied to my name, address and phone number. However I have evidence showing I never lived at the address stated, have never had the phone number they listed. The original fraud was completed in XXXX under my maiden name. I have not legally gone by my maiden name since XXXX. I also have evidence of my residence being in XXXX, MT during the time Capital one says my address was different. I am attaching these to this complaint. Please refer to the original case details below my new response. If original evidence needs to be reuploaded let me know, otherwise it is all attached to the original case. Hi. Per your response you claim I am connected to address : XXXX XXXX XXXX XXXX XXXX, AZ, XXXX and phone number XXXX that was linked to previous transactions. I can show record of my residence in XXXX being at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The only XXXX phone number I have ever been issued by XXXX XXXX is phone number XXXX. Again, I explained that the XXXX XXXX confirmed this was fraud and located the same address that you are presenting. They also recognized I have never lived there or have been registered at that address. I am not sure how to take this another step farther, but I am appealing your decision and am prepared to submit any evidence you need, lay statements indicating I have never had anything to do with that address or phone number. If you haven't done so yet, PLEASE contact the XXXX Police Department, Offficer XXXX XXXX. With his help and findings the other creditors I described were also able to see there was fraud and they were taken off my record. XXXX XXXX, XXXX XXXX XXXX XXXX, Montana : XXXX, XXXX. Case number : XXXX. I also submitted 10+ documents confirming the fraud and dismals. I would like to escalate however possible or I will continue to appeal as frequently as I can. Additionally, the time/date/places these credits were opened I resided in XXXX, Montana. I have resided in XXXX, MT since XXXX and the fraud charges in XXXX were XXXX. I also looked at Public Records for which you say was cited as finding your information of address and phone number, and found evidence. Evidence of my correct previous AZ phone number, residence as well as proof of places I have resided in XXXX, MT during the fraud charges. Again, The Fraud Charges XXXX used my MAIDEN name, which has not been my legal name since XXXX. I can not apply for anything outside of my legal name. Also note, there are two additional XXXX XXXX in XXXX with nothing matching what you stated. Please refer to attached documents. Please let me know if you need the original evidence/documents submitted with the original complaint. Original Complaint # XXXX : Earlier this year I was curious regarding my credit score and looked up my credit report with wellsfargo. The credit score sat in the XXXX which was alarmingly low. I noticed on the report that there were 3 credit card accounts with 3 separate financial institutions that were opened and still had remaining balances. ( roughly {$2000.00} total ) I filed a report with XXXX Police Department, case XXXX, with XXXX XXXX XXXX ( XXXX ). He was able to locate a woman in the city of XXXX who opened these ( Im not sure how he nailed her down ) but I Was excited to report I never lived at the address, gone by that name, nor did I recognize that name. I began filing for fraud with the help off Officer XXXX and was relieved of the debts quickly by 2 of the companies but not Capital One. I filed and appealed numerous times with Capital One and only received one sentence with denied each time. I presented fraud documents, police report, Officer XXXX findings and was denied repeatedly and never spoke to the same person twice. I am requesting help resolving this with Capital one and being cleared of the debt secondary to fraud. There is a {$680.00} Remaining balance with them that is showing failed payments which is still affecting my credit score. I have substantial amount of supporting evidence. Officer XXXX has Subpoenaed them, but is not sure how long the process could take. He suggested I file a complaint here.

Company response to consumer: Closed with explanation