Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
A man from Capital One called me back in XX/XX/year> to ask me about a credit card application that was submitted by someone. He asked if I could provide him with additional information before approving the application. I had credit freezes and fraud alerts in place which is why I received the call. I told him I DID NOT fill out an application with Capital One to request any line of credit be established. I urged him to please cancel and/or discard that application as it was not me. I encouraged Capital One to go back and find that recording where Capital One reassured me that this application will not go any further and will be cancelled as reassured by the representative. Well it was not and I am stuck with an over {$7000.00} credit card bill that isn't mine. 

I attempted to obtain the credit application and to further aid in this investigation and to be as transparent as possible, at their request for additional identification for the application request, I faxed my birth certificate, and a photocopy of my drivers license along with XXXX pages of additional information as suggested by Capital One. Later that afternoon, I received a call from a woman who said Capital One will not be able to send me the original credit card application due to the account being deemed not fraud as once again a premature decision given my faxed documents had not been received yet by Capital One. I explained that I wanted to record her, so I make sure I obtain all the details and was quickly informed that per Capital One policy, I am not allowed to record them. I was referring to a pen and note pad as I have no way to record conversations on my phone. She very quickly thanked me for calling Capital One and hung up on me and closed my case out. I couldnt even get a word in. 

After that call, I made another call to their fraud department and spoke with a supervisor named XXXX. I informed her about what just happened, and she informed me she had received my mailed notarized fraud forms along with the included photocopy of my drivers license, I was informed that the documents will be under review, and that I will get a response between 1 and 10 business days by phone or by mail. I had notarized and mailed the now second set of fraud forms back to Capital One and came home to another letter that evening stating that they have determined that I owe the debt and it will appear on my next billing statement. This has been ongoing since XXXX XXXX XXXX and I have piles of rejected letters stating I am responsible for this debt. 

I sent them a personal bank statement as more proof to very clearly show that I was shopping at a grocery store ( along with many other brick and mortar charges that day ) in Oklahoma ( where I live ) but interestingly, I was buying confectionary at an XXXX XXXX game in XXXX  at the same time. Really? 

Since XXXX, they have charged off my account and have been spamming my inbox about every other day with collection emails. I am not a criminal and I don't appreciate being treated like one.

Company response to consumer: Closed with non-monetary relief