Consumer complaint received 2025-07-30 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: CO

Complaint narrative:
XX/XX/XXXX FTC / CFPB Identity Theft & Wire Fraud Complaint Complainant : Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : [ Insert phone ] Email : [ Insert email ] Summary of Complaint I am the victim of longterm identity theft, financial abuse, and wire fraud committed by my estranged husband, XXXX, with the knowing participation or reckless disregard of Capital One Bank USA, XXXX. 

Despite my repeated fraud reports since XXXX, Capital One continues to report the account ending XXXX as mine, refuses to provide records required by federal law, and has allowed XXXX to manipulate the account after my fraud report was submitted. 



Key Facts 1. I never applied for or opened any Capital One accounts. 
2. XXXX opened the account ending XXXX XXXX using my SSN, DOB, and address while we were married and I was a XXXX XXXX. 
3. After I reported fraud on XX/XX/XXXX, XXXX logged into the account, removed himself as an Authorized User ( XX/XX/XXXX ), and replaced his phone/email with mine. 
4. Capital One falsely claims that payments came from an account belonging to me. In reality, the payments come from a XXXX XXXX XXXX account where XXXX is the primary account holder. My card for this account has been inactive since XX/XX/XXXX. 
5. Capital One refuses to provide application data, IP addresses, login history, or transaction records, stating : Phone records and call transcripts are proprietary information we are unable to satisfy your request. Within your request, you asked for IP addresses, we are unable to provide that information to you as well.

6. The one time I reached a U.S.based representative who started helping me, the call was mysteriously disconnected. After that, I was routed only to offshore agents who refuse to provide records and continue to claim the account is mine. 



Capital Ones Contradictions In a letter dated XXXX, Capital One wrote : We performed an investigation and confirmed that the account ending XXXX was opened on XXXX We received electronic payments from an account ending XXXX with XXXX XXXX XXXX , that weve confirmed belongs to you Our records indicate that you have always remained Primary Owner of this account, and XXXX was removed as an Authorized User on XXXX. 

Contradictions & Violations : The payments come from XXXX account. XXXX XXXX confirmed I have no active card or access since XXXX. 
XXXX removed himself after my fraud report, clearly to frame me. 
Capital One refuses to give me transaction records or IP data, violating FACTA 609 ( e ).

Laws Violated 1. FACTA 609 ( e ) Failure to provide identity theft victims with all records related to fraudulent accounts.

2. FCRA 616617 Furnishing false information to CRAs despite clear proof of identity theft.

3. 18U.S.C.1343 ( Wire Fraud ) XXXX  ongoing use of electronic means to commit fraud.

4. 18U.S.C.2 ( Aiding and Abetting ) Capital Ones conduct enables Tylers scheme.

5. 18U.S.C.1028 ( Identity Theft ) Reporting fraudulent accounts as mine despite evidence to the contrary. 



Pattern of Obstruction Capital Ones refusal to provide records is intentional obstruction. 
When I reached a U.S.based agent who began helping me, the call was droppedafterward, I was routed only to offshore agents reading from scripts. 
This obstructive conduct delays justice while XXXX moves assets and debts into my name. 
Requested Resolution Remove all fraudulent Capital One accounts from my credit reports.

Provide all records required under FACTA 609 ( e ) : - Account applications ( with IP/device info ) - Transaction histories- All correspondence and login records Investigate Capital One for : - Failure to properly investigate fraud - Aiding and abetting identity theft/wire fraud - Badfaith furnishing of false information to CRAs Refer XXXX for criminal investigation under 18U.S.C.1343 and 1028 for wire fraud and identity theft.

Company response to consumer: Closed with explanation