Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Formal Notice of Consumer Complaint To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX RE : INTENT TO LITIGATE ESCALATION : Consumer Complaint against Capital One Bank for Extreme FCRA Non-Compliance and Reporting of Fraudulent Identity Theft Account Executive Summary I am filing a formal consumer complaint with the CFPB against Capital One Bank for flagrant, repetitive violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. On XX/XX/XXXX, I sent Capital One a Fourth and Final Notice detailing a severe case of identity theft. Capital One has ignored a total of four formal disputes and flatly refused to correct their records within the 30-day statutory timeline, despite having conclusive state-issued proof that it is a physical impossibility for this account to belong to me. Respondent Information Company Name : Capital One Bank Address : Executive Correspondence Lead, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Department Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Fraudulent Account Details Account Number : XXXX Outstanding Balance : {$450.00} Reported Status : Charged Off Alleged Opening Date : XX/XX/XXXX Statement of Facts and Absolute Physical Impossibility Continuous Confinement : I have been in the continuous physical custody of the Oklahoma Department of Corrections since XX/XX/XXXX. I am serving my sentence at the XXXX XXXX XXXX XXXX and have not lived in free society for nearly 19 years. Absolute Impossibility : The disputed account was fraudulently opened on XX/XX/XXXX. Because I am under strict state confinement with zero access to outside financial platforms or physical lending facilities, it is a total physical and legal impossibility for me to have opened this account or authorized charges leading to a " Charge-Off '' status. Malicious Address Fraud : The perpetrator utilized known fraudulent XXXX XXXX XXXX, XXXX, OK and XXXX XXXX XXXX, XXXX XXXX, XXXXto manufacture this account. I have never resided at these properties. Reckless Disregard for Federal Law : Capital One allegedly " completed '' an investigation in XX/XX/XXXX and chose to keep rubber-stamping this inaccurate information. They have deliberately ignored three prior warnings and my final XX/XX/XXXX demand notice, showing a malicious disregard for the truth and a total failure to maintain reasonable verification procedures. Severe Harm and Credit Character Defamation Capital One 's refusal to clear this file means they are willfully defaming my credit character by presenting a fraudulent, identity-theft-induced " Charged Off '' trade line to the major credit reporting bureaus ( XXXX, XXXX, and XXXX ). Because they have exhausted all administrative timelines, I am preparing to seek judicial intervention in the United States District Court under 15 U.S.C. 1681n for statutory and punitive damages if this is not resolved immediately. Remediation Requested via CFPB Enforcement I demand that the CFPB compel Capital One Bank to perform the following actions immediately : Permanent File Deletion : Completely wipe and permanently delete this entire trade line ( Account No. XXXX ) from XXXX, XXXX, and XXXX records. Cessation of Reporting : Halt all internal and external collections reporting regarding this fraudulent debt. Formal Release Liability : Deliver a formal, physical letter of release to me at XXXX XXXX XXXX XXXX explicitly stating that the account is closed and that I hold zero liability for the {$450.00} balance. Thank you for your immediate intervention to curb this institution 's ongoing statutory non-compliance. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief