Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint Fraudulent Capital One Account & Unlawful Reporting To Whom It May Concern, I am submitting a formal complaint regarding a fraudulent account opened in my name with Capital One ( Account ending in XXXX ) and the banks failure to properly investigate and resolve the matter. 

Case Background : This account was fraudulently opened without my consent on XX/XX/XXXX, through an online application. 
I have never lived at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, nor have I ever used the phone number XXXX, which Capital One falsely claims is linked to me. 
I have already filed a police report regarding this case and provided Capital One with all supporting evidence proving that this account was fraudulently opened. 
Capital One forced me to make payments in XX/XX/XXXX by refusing to acknowledge the account as fraudulent, misleading me into recognizing responsibility for an account I never opened. 
Despite my dispute, Capital One has failed to remove this fraudulent account from my credit report, affecting my financial standing. 

Capital Ones Failure to Properly Investigate : Capital One sent me a letter dated XX/XX/XXXX, stating that they confirmed the account belongs to me based on public records, purchase history, and calls allegedly made by me. However, I have requested but not received any supporting documentation to verify these claims. Specifically, I requested : A copy of the original application, including IP address and device information. 
Proof of identity verification used to approve this account. 
Transaction records showing locations and merchant details. 
Recordings of the phone calls they claim I made. 
Proof of delivery for their Welcome Kit sent to an address that is not mine. 
Details on the payments linked to a XXXX XXXX XXXX XXXX account that I do not own. 

Capital One has failed to provide this evidence while continuing to hold me responsible for a fraudulent account. This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Formal Request for CFPB Intervention : I am requesting that the CFPB : 1. Investigate Capital One for its failure to properly verify my identity before opening this fraudulent account.

2. Order Capital One to provide all supporting evidence related to the account, as requested.

3. Require Capital One to immediately remove this fraudulent account from my credit report and issue a written confirmation.

4. Hold Capital One accountable for pressuring me into making payments for an account
that is not mine.

5. Ensure Capital One complies with FCRA and FDCPA regulations regarding fraudulent accounts.

This matter has caused me undue financial and emotional stress, and I expect urgent action from the CFPB to ensure my rights as a consumer are upheld. Please confirm receipt of this complaint and provide me with a case reference number. 

I appreciate your prompt assistance. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief