Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
CFPB I got an equity line from XXXX XXXX XXXX  in XXXX of XXXX  to pay off all loans my late parents mortgage and all my credit cards. After that my credit cards and bank accounts were systematically compromised with fraudulent transactions fraudulent payment accounts and withdrawals as well as cash advances off the bank accounts and credit cards. XXXX Capital One XXXX XXXX XXXX XXXX and XXXX XXXX were among the companies that released my information into the world. Since the balances should have been paid off and were at zero or even credit it except for XXXX XXXX  because that was already being compromised the beginning of XX/XX/2023 and I called and questioned those balances and the accounts attached to my credit card accounts and my bank accounts and was told they couldn't do anything about it and when those accounts either were fraudulent or the payments made by those accounts were fraudulent or the fact that I reported fraudulent transactions they just went ahead XXXX XXXX  especially shut down my accounts even the ones that were not compromised as a result of fraudulent activity that was not mine and holding me liable for balances that are not mine I paid everything off for a reason I had my highest credit rating and it was like XXXX and yet now it's in the XXXX as a result of all this fraud and my bank accounts being shut down and them demanding and saying amounts for minimum due on balances that are not mine. There are laws as well as contractual stipulations between the creditors and banks that I am not liable for identity theft and fraud yet obviously it has happened erratic unusual charges XXXX to XXXX different unidentifiable bank accounts attached to each credit card account and bank account and cash advances done through apps like XXXX or XXXX or XXXX XXXX that I did not authorize to people I do not know. All this slowly happened until it made it in XXXX where both bank accounts were compromised but XXXX XXXX and XXXX XXXX  have both returned about 95 % of the fraudulent transaction money to my accounts though it took three to four months to do so. I had contacted Capital One XXXX XXXX  and XXXX  over the phone questioning the accounts questioning and transactions questioning the balances questioning the fraudulent payments from accounts I could not identify. I filed a report with you directly initially about all the creditors but the first complaint was strictly about you contacting XXXX XXXX and yet my complaint with cfpb was closed without anybody contacting me asking for specific more information. I had all my credit cards except XXXX XXXX and one XXXX XXXX XXXX that was not active at the time compromised. But now those are impacted by my current credit rating and standing caused by identity theft and fraud caused by security breaches from some of the financial institutions that are demanding money or XXXX who has all my information and is one of the credit bureaus also impacting my credit standing as a result. I have gone through the Ohio attorney general and working with them Federal Trade Commission identity theft.gov the Attorney General of the United States and Office of the Inspector General I'm working with XXXX  and trying to get my credit cards back to where they should be I should have the upper XXXX credit rating all my credit cards active with the proper balances which is 4 % of what they are currently. Whomever got into my accounts through the internet through the applications or even potentially through my phone since I have XXXX XXXX XXXX on my phone either way they have to be held accountable for what has happened to my credit standing. I simply want my credit cards back active obviously new account numbers but with the full available credit and my credit standing corrected in all three credit bureaus. I paid everything off and had my highest credit rating and then right after that that's when my account started to be compromised and systematically my entire Financial portfolio. The banks have worked with me decently to get most of that money back but I am not got anything corrected through the credit card accounts even though I reached out to the CEOs and heads of the banks to try to get this resolved. I have no money and right now my credit is destroyed I have no way to get anything from anybody to survive and all this because someone got into my identity most likely through all the security breaches and destroyed my credit. I will try to attach the balances that are being questioned but just XXXX XXXX alone is {$10000.00} across five credit cards. One of which is compromised by like {$9000.00} the Kohl 's Capital One card. This is destroying me financially and employability-wise and causing my insurance rates to Skyrocket and I have no way to take care of this because they have destroyed me it took 3 to 4 months to get my money back from the bank accounts but I did get it back almost 100 % but the creditors and credit cards have not fixed any of this. Capital One is liable just because they were breached and my identity was given to the world as a result. I know it wasn't their direct fault but I filed a claim against XXXX but all these creditors need to correct my balances to the proper amount. If they do so and reactivate my credit cards with the proper available credit we will be back on track and even once they do that I have to make sure all three credit bureaus are corrected to where they should be the upper XXXX. Not the XXXX. Nobody in their right mind would take a equity line out pay everything off and then do charges they've never done in their life attached accounts they can't identify or edit or delete and transactions they could not stop. This is just insanity but as you heard from multiple advertisements how much people are being compromised and if large corporations government agencies in Banks can be compromised I myself am an easy target and again they didn't do anything until I had all the balances paid off and my credit and its best standing in a long time. I need this repaired please. 
On my affidavit to the Ohio attorney general I had the wrong balances on the notes. A total of {$18000.00} is what is being disputed through Capital One. Credit account ending XXXX total of {$9100.00} account ending in XXXX total dispute it {$2500.00} credit account ending in XXXX total dispute at {$3100.00} account ending in XXXX total dispute it {$1300.00} and credit account ending in XXXX total dispute it {$1700.00}. I have been compromised across the board on all my credit accounts. XXXX XXXX alone and in XXXX dispute amount {$13000.00} the XXXX XXXX XXXX ending in XXXX dispute amount {$3800.00} and the XXXX  XXXX ending in XXXX total dispute at XXXX. And then the XXXX XXXX XXXX XXXX ending in XXXX total dispute at XXXX and XXXX 's XXXX XXXX XXXX card ending in XXXX total of {$3400.00} that is a compromise disputed amount. 
Police report # XXXX XXXX XXXX XXXX XXXX Accounts compromised : 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 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 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 Companies with security breaches impacting myself : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation