Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I contacted the credit bureaus and was informed that I would need to file a complaint with the Federal Trades Commission to have inaccurate information removed from my credit report. The below information on my credit report I am disputing because the information is not accurate : 1. Capital One Fraudulent Credit Card Charges : I have been trying to resolve fraudulent charges on my Captial One credit card for several months. The credit card charges were not made in SC. Capital One fraud department representatives ( FDR ) have stated they need to verify my identity before they can remove the fraudulent charges. FDR ask me to submit certain documents to verify my identity. When I submit the documents they request, I am told that they can not accept the documents to verify my identity. Lately, they are saying the documents that I have uploaded are not clear. For some reason, FDR wants a bank statement with my full account number to verify my identity. XXXX XXXXXXXX does not put their members full account number on any bank statements. My bank, XXXX XXXXXXXX XXXX XXXX XXXX has written a letter with a contact name and number that Capital One is able to call to verify my name and address ( identity ). Capital One has failed to contact the bank. I have provided copies of my license, bills and letters with my name and address. However, Capital One will not accept any of the documents to verify my identity. I have explained to FDR that my mortgage and utility bills are in my husband 's name, XXXX XXXX. The only household bill I have in my name is our home telephone bill with XXXXXXXX. FDR said they would accept a XXXX bill. After I submitted the invoice/bill, I was told it was not acceptable. I was hoping that someone at Capital One would be able to determine my identity based on all the documents that I have submitted to Capital One ( attached ). This has been frustrating. In the attached documents submitted to Capital One, I have a letter from the Social Security Administration with my name on it. That has not been deemed acceptable. However, Capital One continues to issue cards to fraudulent individuals under my credit. Lately, the cards have been coming to my address with someone else 's name on the cards. There have been occasions where the card is in the mail to come to me but before I receive the card someone has already made fraudulent charges. I do not understand why Capital One is issuing cards to individuals knowing that I have been in constant contact with them regarding fraud/identity issues, and I have frozen my credit at all 3 credit bureaus. I do not understand why Capital One has not implemented a security alert to notify them/me when someone is requesting a credit card. I do not understand why all credit card companys and banks are not required to have a two-step verification. Capital One and XXXX does not have 2 step verification which could cut down on fraudulent activity. 

2. Credit Report : On my XXXX credit report, XXXX XXXX XXXX, XXXX XXXX NJ XXXX is not my address. I have never lived in NJ. The XXXX phone number is not my phone number. My phone numbers begin with ( XXXX ) area codes. The Capital One balance of {$960.00} dated XX/XX/XXXX ( mentioned above ) are fraudulent charges. The Dept of EDXXXX balance in the amounts of {$41000.00} ( {$10000.00}, {$10000.00}, {$10000.00}, and {$10000.00} all dated XX/XX/XXXX ) should have a XXXX balance. My XXXX XXXX  have been forgiven due to XXXX XXXX XXXX XXXX XXXX XXXX for more than 10 years. XXXX XXXX XXXX for XXXX in the amount of {$3400.00} dated XX/XX/XXXX is a fraudulent unauthorized account. I contacted XXXX about the charge. When I informed XXXX I was not interested in purchasing their services to clear the account off of my credit, they were not interested in helping me resolve the issue. I told XXXX representative that I could contact the credit bureau to dispute the charges instead of paying them. XXXX ( 1 ) of the 9 inquiries on my credit report belongs to me. The XXXX XXXX inquiry dated XX/XX/XXXX, is the only inquiry that I made. The other 8 inquiries to CAP ONE NA dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  dated XX/XX/XXXX were not made by me. 

On my XXXX credit report : I have never lived at XXXX XXXX XXXX, XXXX, PA XXXX address. I am not retired as indicated on my credit report. The Capital One balance of {$960.00} dated XX/XX/XXXX ( mentioned above ) are fraudulent charges. The XXXX balance in the amount of {$330.00} dated XX/XX/XXXX is a fraudulent unauthorized account. I contacted XXXX. I was told I could dispute the account charges. XXXX XXXX XXXX for XXXX in the amount of {$3400.00} dated XX/XX/XXXX, XXXX a fraudulent unauthorized account ( mentioned above ). Two ( 2 ) of the 6 inquiries on my credit report belongs to me. The XXXX XXXX XXXXXXXX ) dated XX/XX/XXXX, and XXXX XXXX inquiry dated XX/XX/XXXX, are the only inquiry that I made. The other 4 inquiries CAP ONE dated XX/XX/XXXX, CAP ONE dated XX/XX/XXXX, CAP ONE dated XX/XX/XXXX, and CAP ONE dated XX/XX/XXXX were not made by me. 

On my XXXX credit report : I have never lived at XXXX XXXX XXXX, XXXX, PA XXXX address. I am not retired as indicated on my credit report. The XXXX phone number is not my phone number. My phone numbers begin with ( XXXX ) area codes. The Capital One balance of {$960.00} dated XX/XX/XXXX ( mentioned above ) are fraudulent charges. The XXXX XXXX XXXX balance in the amounts of {$27000.00} dated XX/XX/XXXX should have a XXXX balance. My student loans have been forgiven due to me working for XXXX XXXX XXXX for more than 10 years. The XXXX balance in the amount of {$330.00} dated XX/XX/XXXX is a fraudulent unauthorized account. Two ( 2 ) of the 3 inquiries on my credit report belongs to me. The ALL XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX Vacation Own dated XX/XX/XXXX are the only inquiries that I made. The Capital One Bank USA inquiry dated XX/XX/XXXX was not made by me. 

It would be great if consumers could select a password that they would have to give to credit card representatives, bank representative, credit bureaus, and etc when someone calls in to change personal information or wire funds. Individuals have called credit card companies and the credit bureaus and pretended to be me and changed my address and contact phone number. My bank, XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) wired {$1000.00} from out of my bank account. I could not get that money back because it was sent to a XXXX XXXX that would not refund the money. I think XXXX should have been held responsible for refunding me because they sent the funds without my authorization, and they were aware that I was dealing with fraudulent charges that were charged to my XXXX bank account. 

It would be great if there was one credit report. It is time consuming addressing fraudulent activities and inaccurate information at 3 credit bureaus. My credit scores have really taken a hit since all of these fraudulent activities have occurred. I am in a constant battle trying to reverse the damage that has been done to my credit report and credit. It's hard when victims of fraud have to jump throw so many hoops to restore their credit. I have attached the documents that were provided to Capital One to prove my identity. Contact me if you did not receive the documents I uploaded to the complaint. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation