Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
To : Capital One Bank / CFPB From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, This letter serves as an update and a new identity theft report regarding the fraudulent Capital One accounts that were opened in my name without my knowledge or consent. I want to make it absolutely clear : I am not the individual who opened or used these accounts. I am a victim of identity theft. 

Capital One has wrongfully banned me from banking, reported me to XXXX XXXX XXXX ( XXXX  ) and XXXX  and refuses to remove me from their system even after I disputed these accounts. This is not only unfair but also unlawful, as I never had a relationship with Capital One and never authorized these accounts. 

Updated Information : I have since obtained additional FTC Identity Theft Reports and supporting documents, which I will provide in full. These documents confirm that I am the victim of identity theft. 

I do not know the individual ( s ) who committed this crime. They used my identity, impersonated me in a branch, and opened accounts in my name. 

Law enforcement has not been able to help me resolve this matter, which is why I urgently need Capital One and the CFPB to intervene. 

This ongoing issue has destroyed my ability to open bank accounts, as Capital One continues to report false information about me to XXXX and XXXX 

Multiple fraudulent accounts were opened under my name and closed on XX/XX/XXXX, as confirmed by Capital Ones own letter. These accounts were never mine, and I never performed the transfers that were linked to them. 

Legal Rights and Obligations : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request a block and removal of all fraudulent information caused by identity theft. 

Capital One is required to properly investigate identity theft claims, not dismiss them without giving the consumer an Identity Theft Affidavit or a fair opportunity to prove their case. 

By continuing to report me tXXXX XXXX XXXX XXXX despite my documented identity theft, Capital One is willfully harming me and violating federal law. 

Requested Action : That Capital One and the CFPB acknowledge this as a new and updated identity theft report. 

That Capital One remove my name, Social Security number, and personal information from any and all records associated with accounts ending in XXXX and XXXX. 

That Capital One provide me with an Identity Theft Affidavit ( which I was never offered ) so that I may complete it officially.

That Capital One and the CFPB ensure that all negative reporting tied to these fraudulent accounts is removed from XXXX XXXX XXXX and XXXX immediately. 

That an independent investigation be conducted into how these accounts were opened in my name without my authorization, and how Capital One failed to properly verify the person impersonating me. 

This situation continues to cause me severe stress and financial harm. I should not have to pay the price for someone elses fraudulent actions, nor should my financial future be destroyed by Capital Ones failure to properly verify account openings. 

Since I have exhausted my attempts with law enforcement without resolution, I urgently need the CFPB and Capital One to step in, investigate, and clear my name. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation