Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A man that i used to talk to online offered to support me financially. We barely knew each other and while I tried to be cautious, i still wasnt. He said he wanted my bank info, and I gave it to him. The first time ( XX/XX/year> ) He gave me enough to pay my bill that day, and I was weary at first. Then after he asked me to XXXX this random person I had no clue why but I asked about it. After I ended things with him I tried to keep him in my contacts and save messages. He would periodically spam me about not being a good baby, or having a bad character and scamming him just because I changed my password. I told him from the start I didnt wan na do my bank info and if he could simply use a modern day payment form like a check or apps like XXXX XXXX He said he only does bitcoin so he couldnt. When I told him my account was closed or restricted he kept trying to convince me otherwise and told me to keep trying to get money on there. I told him it wouldnt work. The next few payments after bounced likely because it wasnt a real bank or maybe not his info. He told me it was a business account. I found out what his real name could be as I didnt see the names on his accounts it just appear as XXXX and XXXX XXXX XXXX Originally we met on XXXX. He was under an aliase i assumed that meant his name was similar to it. And that may not be the case. The bank decided to close my account after I said I couldnt pay because of my financial situation not being employed. and also trying to get housing. Ive been trying to find ways to pay it back but its even over my government assistance and I needed to keep using that for basic needs like food and other day to day necessities. I think my last straw was when he had asked me to still check for XXXX that I told him already I didnt want because that is too much money and it could effect my benefits, he didnt respect what I said and kept saying if I dont check my accounts to see if it came in he would contact authorities. So I checked them over and over and logged into my account and screenshoted that its not working because XXXX when he tryed to send it my i didnt get activate my debit card as I didnt want it to go through. I also alerted my bank he will attempt to send through XXXX but that I dont want it and to cancel it. He kept saying he would send the same amount that my balance had only exaggerated numbers example : {$16.00}, he claimed he would send {$16000.00}. Then I asked him about the XXXX stuff and why I had to send money, and he said because it was for an orphanage and he didnt want me to be upset that I sent it to kids in need? It crossed me as very confused. He also tired to meet up with me but I made excuses. If u read our texts it may sound like I wanted to meet him but I was just trying to get information. even the first time I didnt actually wan na be with him in the ways that were expressed. I dont know if I have the right to even get legal advice so I tried but whenever I called small claims the lines where always busy. At this time my storage is very love it wont allow me to choose any files, or images, but i can provide proof when contacted via email otherwise.

Company response to consumer: Closed with explanation