Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had a capital one 360 checking account back in XXXX of XXXX and after realizing there were electronic transfers fraudulently happening periodically in the late XXXX  hrs until the early XXXX hrs while I was sleeping.i immediately closed the account after reporting these transactions to capital one in XXXX XXXX.i closed that account after realizing this was occuring I began checking all of my accounts and that's when i realized I was a victim of identity theft/fraud. I would only go to work when able and come home where my wife and I lived. I was told from several of my creditors that whoever is doing this has to gain physical access to your phone, well coincidentally that's when my serious phone issues began such as, sim swapping, port fraud, XXXX account take overs, my operating system was changed on my device, etc .This began the worst experience I've ever been through ever. I ordered credit reports because prior to that my wife was monitoring our credit that I worked extremely hard to build. I noticed that I was getting fraudulent inquiries since XXXX but was never alerted because I didn't have the log in for XXXX and trusted my wife.This is when our marriage started to suffer because I was no longer XXXX. I would ask questions never inciuating and it would cause extreme anger and the need for her to defend herself. I began watching things very closely, I would no longer use banking apps/credit card apps. I would call for anything I needed from my banks, I froze my credit and cleaned up all of the inaccurate information that somehow got on my reports like phone numbers, addresses in different states and fraudulent accounts.during all of this time continued to go by and by XXXX Ive had to purchase at least 80 phones because my phone would get taken over as soon as I would come around her, or the wifi she controlled, or by her car that had wifi, this has been traumatic to me. I called capital one around XXXX of XXXX just to check and there were once again 3 360 checking accounts that had been closed and 3 new ones had been opened and currently had funds in them, as I was making the report, she ran to the rest of the home, I'm not sure why could just be a coincidence, while the fraud team closed those accounts down.They Opened an investigation and deemed them to be fraudulently opened by someone else, this occurred with XXXX  XXXX also There was a XXXX  whatever that is and 5 lines added to my ss # using my family members names. I also reported that to them .as time continued phones continued to get compromised leaving me helpless. I was unable to email certain government agencies, they couldn't email me back, some people would be blocked from calling me like my ill father, lawyer, pastor as I was unable to send them photos in my text messages, and the fraud continued to worsen in every way, I was unable to verify myself with one of my credit unions because there was an active membership where someone was able to unfreeze my credit and be made aware of any changes Id make. I would continue to get reports sent regularly and each time I'd have to change my mailing addresses, phone numbers, once my ss # said I was deceased. I contacted capital one again after receiving a bank statement in the mail which was a p.o. box I had to get to ensure I'd receive my mail to learn there were 2 more accounts that were currently Opened in my name. I was frustrated at this point due to previously telling them. I will never bank with you, if I would I'd call personally and we set up a verbal password so don't open any accounts but they continued, these were accounts that I'm suspecting that were used possibly in accordance with one of my fraudulently ported phone numbers to move money around. I have built my credit to a pretty decent score at this point even amongst all of the fraud/identity theft and issues with everything. I have a credit union and no need for these online Banks. I learned a lot about what was going on around me and made the necessary reports to ftc, attorney general, Internet cyber crime, credit bureaus, my banks were aware of the situation, etc but I would never receive a reply from any agency and I know they would of replied. Well I then learn that my wifes brother and his g/f were involved in a XXXX XXXX Mail fraud, fraud, identity theft crime spree after finding a forged check in the trash from the neighbors account, so I brought it to the neighbor and it prompted what now has got both of them caught victimizing 100s of people, I thought to my self that in order to do what they were doing you would have to know how to do things on a phone and they wouldn't be capable of doing so. I immediately suspected my wife to be involved, as I'd go to work and she would be around her brother whom I didn't approve of. They got XXXX  in XXXX I thought my issues would stop or slow down as I suspected there involvement along with my wife because I had my government documents come up missing and my wife used to be a provisioning coordinator and XXXX  XXXX for XXXX XXXX. I didn't know much about that job title, so basically I am still going through this horrible, privacy breach, phone takeover, and continued issues because I can't get a response back from the people I take the time to message. There is serious issues going on where I feel like she may be trying to use me as a scape goat for what she has done, and the continuation of tragedy, mental anguish, and so much more ive dealt with is u Unbearable. I know this report is regarding capital one 360 checking/also I was pre-approved for a savor one capital one credit card and they sent me there decision 3 times to my email and p.o. box which I never received, then I tried to have them mail it to my fathers he didn't receive it either. I need serious help, im in 136 data breaches, and this person or persons probably at this point are really taking away years of my life. Please help. Thank you for taking the time to listen.

Company response to consumer: Closed with explanation