Consumer complaint received 2026-05-13 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: FL

Complaint narrative:
I am the victim of identity theft. I have over {$80000.00} in credit card debt and banking debt that was done in my name through sophisticated means over the course of 1.5 to 2 years with multiple banks. I have made multiple attempts at disputing the accounts and the charges with the banks in question and each time they " investigate '' they come back with a determination that the accounts are valid but refuse to provide evidence to back this up. In this particular case, I am referring to Capital One. They indicate that I have a credit card with a balance and I have never had an account with them. I have filed disputes and identity theft with them 3 times. Each time they say that their internal investigation has determined the debt to be valid. I have requested, in writing, the evidence used to base their determination on. They refuse or ignore my requests and have since submitted my account to collections. I spoke with their management this evening ( XXXX XXXX XXXX XXXX XXXX, whose ID number I was not given ) in fraud investigations. The call began at XXXX XXXX Florida time, and lasted an hour. I was assured the call was recorded. When I discussed exhaustively the particulars of the matter, I was told by XXXX she would put me on hold and investigate further. This occurred 3 times. Each time she came back indicating that the determination was that the debt is valid. I asked for evidence as I had not received any. She indicated that I needed to submit this in writing. I informed her that I had. She placed me on hold and returned to indicate that the determination was made based on the application being with my address and phone number. When I asked what address and what phone number she indicated that they did not have that information and so there was no evidence to send to me. I inquired as to how this was possible since that was the supposed evidence used to determine the debt was valid. She could not answer except to say that no further disputes could be made. So I am being held accountable for a debt that I have disputed multiple times in writing while requesting evidence, only to be told that they have verified the account is mine but can provide absolutely no evidence to back this up. I have filed and provided police reports and IDTHEFT.GOV reports on the identity theft as well. After filing initial complaint here, they finally responded with the following : a welcome packet was sent to my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which had not been returned. However, this was never received, by me, my wife, our tenant at the time, or my son, all of which ( except me, as I did not collect the mail ) denied seeing such a packet. The company also advised that the phone number that was associated with my name in public records was used to open the account. However, as I had indicated to them, and as was noted in the police report filed in XXXX XXXX and on XXXX XXXX, my phone had already been cloned/hacked and used on multiple accounts. Said phone was often, during the time of this account being opened and used, resetting itself, refreshing, and acting in a manner beyond my control. I had to change not just phone numbers but complete phone due to the theft that had occurred in my name. All of this was revealed to this credit card company. The card was not opened by me, nor was I aware of it. The theft was very sophisticated as they even, on some opened cards, mimicked similar purchases to what they had gleaned from other cards I actually owned. These accounts were not opened by me and are not mine. These cases do happen, they may not be the most common form of fraud but these sophisticated id theft tactics do occur, have been documented and should be well-known to credit card company fraud departments. I demand that this credit information be permanently removed from my credit report and from my name.

Company response to consumer: Closed with explanation