Consumer complaint received 2026-05-11 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: NY

Complaint narrative:
I am a victim of identity theft. A Capital One and XXXX XXXX credit card account were fraudulently opened in my name in XX/XX/XXXX without my knowledge or authorization. I discovered this account in approximately XX/XX/XXXX when reviewing my credit report. Upon discovery, I immediately began disputing this account with Capital One and XXXX XXXX. XXXX XXXX identified it as fraud immediately and removed it from credit report on XXXX XX/XX/XXXX. I have contacted Capital One many times since XX/XX/XXXX. Each time, my fraud claim has been denied. During my most recent dispute, Capital One specifically requested proof that I did not reside at the address where the account was opened, along with either an FTC Identity Theft Report or a police report. I provided all of the following : an FTC Identity Theft Report, a police report filed with the XXXX XXXX XXXX XXXX, certified written dispute statements, and documentation from XXXX XXXX confirming that a separate fraudulent account opened in my name during the same period was verified as fraud and removed from my credit report. Despite receiving every document they requested and more, Capital One continues to deny my claim. Their repeated justification is that the account was " opened with proper communication '', " Payments were made '' and that " a notification was accepted by me confirming the account 's legitimacy ''. However, these things were clearly accepted by the fraudster, not by me. The Fraudulent account currently shows a balance pf {$2400.00}, none of which was charged by me. I have asked Capital One to verify the IP addresses and device information associated with the account opening and subsequent activity, as well as the physical address used, which my credit report shows is located in Texas a state I have never resided in. I have also asked them to examine the bank accounts used to make payments on this fraudulent account and where were purchases made by fraudster using that card, which will have no connection to me whatsoever. Capital One has refused to conduct any of this verification. It is deeply frustrating that XXXX XXXX was able to identify the fraud promptly and take corrective action, while Capital One continues to hold me responsible despite overwhelming evidence to the contrary. I am requesting that Capital One immediately close this fraudulent account, remove all associated reporting from my credit file, confirm in writing that I bear no liability, and provide me with the address and account details used by the fraudster so I can further support my identity theft case with law enforcement. This situation has caused me significant mental and emotional distress. I have been fighting this for over six months and have exhausted every reasonable step available to me as a consumer. Credit companies collects extensive consumer data, and it should be a simple matter for them to cross-reference device information, IP addresses, physical addresses, where and what purchases were made and payment sources to confirm that this account has no connection to me. Despite having the tools and data to easily verify this fraud, Capital One has chosen to be irresponsible and repeatedly deny my claim and continue holding me responsible, which I can only describe as negligent and harmful to a legitimate fraud victim.

Company response to consumer: Closed with explanation