Consumer complaint received 2024-08-20 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: NY

Complaint narrative:
My Name Is XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX. I Opened up my first Credit card, Capital one Platinum or XXXX, A credit Line Of XXXX $ On XX/XX/XXXX, which i was Making my payments on time every month keeping my utilization under 30 %, They Increased it to XXXX $ Credit Limit.Then on XX/XX/XXXX I Opened up A second Credit card and line From XXXX Bank Of XXXX $ Limit. 
- My Wallet With My Drivers License, Social Security XXXX, And XXXX XXXX XXXX were stolen from me! XXXX a Victim of Identity theft, The individual Used my XXXX credit cards and maxed them out, and then proceeded to use my social security number and XXXX XXXX XXXX and Residing Address from my ID to Try & Fraudulently Open up More Credit Lines Portraying as me! & Tarnishing My Credit With multiple over XXXX Hard Inquiries and Over atleast XXXX Soft Inquiries. My last payment to my Capital one card was on XX/XX/XXXX and i Reported this Fraud and identity theft, Also along with them SELLING MY SOCIAL SECURITY CARD NUMBER ON THE DARK WEB! So i had the Capital one XXXX Closed 4 days later XX/XX/XXXX! It went from being maxed out to XXXX $ of the limit from the individual to now XX/XX/XXXX {$1300.00} now! And 246 % Usage! I have been for about 2 Years now Trying Multiple and XXXX XXXX all XXXX Bureaus, Credit card People, making Online Dispute claims and identity theft claims online as well, Over and. Over. For 2 years now, So with the {$1300.00} and the {$190.00} $ from the discover i owed that i shouldn't even owe due to it being XXXX XXXX XXXX came out to about {$1500.00}! 

The XXXX Capital One Account is Closed Pay status Charge off Remarks : Account reported Now by credit XXXX, CLOSED BY XXXX XXXX : Unpaid Balance CHARGED OFF. 

- I Had XXXX Collections. & Been trying to get this handled for 2 years now no results. I need this off my credit report FULLY TOTALLY REMOVED AND DELETED, i can not get any credit card approved for myself at all and this is totally not fair and not okay due to the circumstances behind it and the cause of if! 

- XXXX weeks Ago on XX/XX/XXXX XXXX XXXX XXXX Out of nowhere Randomly took something that XXXX even mine and gave me a COLLECTION NOW! In the amount of {$1200.00} Which is not even the amount of The Capital one card, the capital one card is {$1300.00} & The XXXX is XXXX XXXX 

So This random Collection now that i have on my Credit account/Report of {$1200.00} Is now On my credit On Top of just the {$1300.00} and XXXX XXXX and no COLLECTIONS, to Now randomly XXXX weeks ago having a Collection and an amount of {$1200.00} $ which makes no sense cause that amount is literally linked to NO AMOUNT I OWE OR HAVE! 

So this is Fraudulent and Totally incorrect and just made it worse cause now i have a fraudulent identity theft collection on my credit repot along with Instead of {$1500.00} $ its now about {$2800.00}!, I have Called them 3 Times about this as well as Asking for a Dispute identity XXXX Fraudulent Incorrect Collection & amount owed! 

And Was Told I Would! be Getting thst Affirmative Mailed to me to fill out and send back to them! For this to get removed! I have requested this twice and have yet not received NOTHING in about XXXX weeks when they said XXXX Business days! 

i am Please asking For This To Be fully Removed/DELETED/ And taken off my credit report entirely! This this is totally incorrect, inaccurate, Fraudulent, and Identity theft! & Now XXXX making It EVEN harder for me to fix and get a credit card sne even making me look out to be the bad guy! Which i am not! Please i beg you this is multiple times im going through every process possible for over 2 years now! Not only a collection now added but now an extra XXXX $ Approx. as well! 

Please have this totally deleted/ Removed/ And taken off FULLY From my report & all XXXX XXXX! 


Sincerely, XXXX XXXX XXXX XXXX : XXXX Phone number : XXXX Last XXXX digits of XXXX : XXXX

Company response to consumer: Closed with explanation