Consumer complaint received 2024-11-05 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: KS

Complaint narrative:
In XXXX, my purse was stolen while I was traveling. Very shortly after that my information was sold but I had no knowledge of it it until later. I became aware of fraudulent charges on my Capital One card and on my bank account and attempted to resolve the issue. My bank took into account that I had fraudulent activity due to purse being stolen, however, Capital One did not and continued to tell me that I owed the multiple charges in question despite my never being present where these charges took place. I made several attempts to resolve this matter with Capital One over the next several months. I was told that it would be resolved and about the time XXXX hit, I stopped receiving letters or bills from Capital One. I am not exactly sure on the dates of that. During that time of XXXX and shutdowns ( during which time I was not receiving anything from Capital One ), my husband and I had a move to a different city. That was in XX/XX/XXXX. It wasn't until shortly after our move that I became aware of the actual Identity Theft. Early in XXXX, I began receiving bills from credit card companies that I had never had. I contacted a Credit counseling company XXXX to help figure all of this out and work on my credit score that was now ruined. I continued to work on all of this and filing police reports for Identity Theft and many other reports. On XXXX, I was scheduled for a court hearing for garnishment from Capital One. I went through an appeal and court hearing and was told that I would be notified of findings. I never received any notification of nor was I aware of any garnishment at that time. However, my record show that it was done. According to my court records, a judgement to garnish was made within 5 days of the hearing despite me sending proof to courts of the happenings with Capital One and fraudulent charges. On XXXX, I was notified by my employer ( not the courts or Capitol One ) that an Order for Garnishment had been received. On XXXX, I was advised by a lawyer to attempt to contact XXXXXXXX XXXX XXXXXXXX ( who was representing Capitol One ) to try and resolve the issue. Despite several attempts on my part, I never got any type of an attempt on their part to try and resolve it. They only asked for full payment! I had everything else dropped on the credit card fraud, bank account charges and even an Unemployment Fraud that was filed under my name ( which was also at XXXX XXXX XXXX ). But apparently, with lack of communication on Capital Ones end, I was found liable for these fraudulent charges. I have moved and it has been XXXX years since this all began so finding the original charges that they said I owed for has been nearly impossible to produce. However, there is plenty of evidence of fraud and theft that I am able to produce. In addition to all of this, there were 2 different accounts under my name with the exact same amount and they were unable to explain.

Company response to consumer: Closed with explanation