Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX, a capital one credit card was opened using my name. I did not open the account. I was alerted through XXXX  that the Social Security number discrepancy had been reported to my credit report as well as a birthdate discrepancy. I attempted to dispute the capital one account but was unsuccessful. The credit bureaus sided with XXXX who said that my personal information matched with the credit bureau had on file which was untrue. Due to the circumstances, I decided to make the payments on this account which was a {$300.00} limit and at the time was over the limit with a balance of {$330.00}. I did not want negative information being reported to my credit report therefore I began making payments and then continued making the minimum payment every month. I have been dealing with identity theft since the summer of XXXX including account takeovers ( cell phones credit cards bank accounts, and more ). My personal information has been leaked and several data breaches, including the XXXX  data breach in the most recent data breach involving evolve bank. After contacting capital one several times and explaining to them the situation and how they violated my fair credit reporting act right by telling the credit bureaus that the personal information reported to them opening the account matched what the credit bureau had on file which was a lie, and ultimately caused my dispute to be denied, and the account remain on my credit report, but after confronting capital one about this and mentioning the FCRA rights violation, and that I was going to file complaints with the FCC and whatever other governmental agency needed to let them know about capital ones Miss handling of investigations. This is when they decided to actually investigate the account and ultimately sent me a letter stating I was not being held responsible for the account. Mind you at this point there was only about {$75.00} left to pay on this {$330.00} original balance. Plus, I paid interest on this account. Generally, when you make a payment towards a fraudulent account, it validate the debt and you were unable to dispute that debt. However, due to the unique circumstances, capital one ultimately decided to do the right thing and help me as a fraud victim. I will upload the letter sent from capital one stating I am not responsible for the account. I contacted capital one to recover the payments made to them on this account in any associated interest however they refused to help me. So if this is a fraud account and they determined that it was a fraud account and now theyre refusing to give my money back then they are basically stealing from me. They told me I had to dispute the charges with my bank, which is XXXX XXXX. When I attempted to dispute the payments with XXXX XXXX, they said they were unable to do that because I authorize the payments. Capital one owes me for every payment made every month beginning in XX/XX/XXXX and also for the interest charged on this account and for violating my fair credit reporting act rights. I understand that the fair credit reporting act right violation may be handled with another government agency, but this complaint is solely about having capital one refund me the total amount that I paid them on this account due to the improper investigation from the credit bureaus and capital one lying to the credit bureaus saying that the information they had on file matched with the credit bureaus had on file. Due to this the account remained and I was not trying to have late payments reporting to my credit report because it was already reporting an account over the limit. I have XXXX late payments reported on my credit and I wasnt about to start then. It seems like both capital one and XXXX XXXX  are unwilling to help me as a fraud victim and identity, theft victim. There are so many data breaches. It seems like every other day my personal information is exposed. If these large companies, including capital one which also exposed my personal information would stop being so negligent and tighten up their security instead of worrying about charging outrageous fees and getting every XXXX possible out of customers that didnt open accounts then maybe stuff like this wouldnt happen. But I didnt open the account and Im not responsible for those payments. I made those payments simply to avoid Destruction of my credit report which I just got done repairing from a major catastrophic theft event which started in the summer of XXXX.

Company response to consumer: Closed with explanation