Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There is a CAPITALONE credit card opened in my husbands name XXXX with my ( XXXX ) birthdate and social security number. I received an email that XXXX of my credit cards with capital one was late. I called right away, because we have a few cards with them to ask what I had missed, bc Ive always paid and always been on time! After speaking with the person the card was submitted as fraud ( this has been over a year ago ). The person told me that there was a charge for XXXX from XXXX. I told her I have never bought XXXX and I live in XXXX! Weeks later I received a letter stating they had closed this account and it was fraud! Over a year later I received another email stating my credit card was late?? Again I called. It was the same credit card that they had already closed a year or more ago due to fraud! I explained the situation to them. I was confused on when I had received the letter but explain THEY closed it due to fraud. They asked again if I remembered charging for XXXX  and now they claimed there was an additional charge on the account but the amount was still {$190.00}??? I said this was already taken care of, and was closed due to fraud after you investigated it. Now they are saying there were XXXX charges ( neither I recognized ). I advised that I called a long time ago ( over a year ago ) and this account was closed after they investigated it and sent me a letter stating as such. I dont believe I have the letter anymore. I explained when the first person I spoke with they stated there was only XXXX charge for XXXX  for {$190.00}. I told them the other charge was never mentioned to me and I still dont know it! They now reported this credit card in my husbands name with my birthdate and social security number to a credit reporting agency called XXXX XXXX?? Or something by that name??? Our information was in a security breech over a year and a half ago??? I called and spoke to a supervisor who said she would have to resubmit this for fraud again???? I asked how they couldnt see in their records why this credit card was closed??? No answer. Ive never missed any payments on any of my CAPITAL ONE CARDS WHICH HAVE A MUCH HIGHER BALANCE!! Why would I let a {$190.00} XXXX go to a credit reporting agency???? I dont know whats going on with CAPITAL ONE BUT BEWARE if they send you a letter that your account was investigated and closed due to fraud by capital one keep that letter!!! I may have the latter somewhere but I probably threw it away because as far as I was concerned it was closed and done!!! Maybe because people are hurting for money CAPITAL ONE is trying to make up for it this way??? I dont know but please be careful when dealing with this company!! I will NEVER open another credit card with CAPITAL ONE AGAIN!! Plus how did they open it under my husbands name and my social security number and birthdate??? SOMEONE IS NOT DOING THEIR JOB!!!!!?

Company response to consumer: Closed with explanation