Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX and I've previously submitted reports to the FTC. Such latest report being three ( 3 ) reports submitted on one day. I file yet another report to add that within my credit report I have found five ( 5 ) various inquiries that I myself did not inquire of. Such being XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Upon inquiring to XXXX XXXX ' over the phone and informing XXXX XXXX of itself being on my credit and that I did not create any such nor give any person at all permisson to do such on my behalf and that I was requesting the information on the account and for my information to be removed I was told to verify if order to be able to. This was after I gave my social security number. The verification was date of birth ( DOB ) and upon me giving my DOB I was told that I couldn't be verified. Upon telling the XXXX XXXX  employee that, that was my correct DOB I was sent a link via text that directed me to take a photo of my I.D . I was unable to due of my phone not allowing me to hit the button to do so. I notified the XXXX XXXX employee that this happened all the time and was a pattern and of me having hacker on my phone that would tamper with my phone and do things of this sort and do things to harass me for example moving the screen up and down and doing things of this interruptive sort and this was not a coincidence. This employee also told me that it's possible that someone went in afterwards and chaged the DOB information which I stated makes no sense to have been allowed as your DOB doesn't change. I was eventually transfered over to another employee of whom told me that I was added to another person 's account as an " authorized user ''. The employee informed me that there was no DOB placed under my information at all. I stated that that was absurd that although no DOB was placed which would be part of the verification process and thus I would be locked out of viewing whatever information was being linked and created using my information. Also, my social security number of which the fraudster/s must have used in order for XXXX XXXX to have ended up on my credit. I also stated that XXXX XXXX was supposed to verify DOB with whichever verifying agency such as the social security administration. When I asked why this was not done why XXXX XXXX verified whomever this person is to use my information and add me as well as ask how their own system even allowed no DOB to be entered when such was required for authentication, I was given no answer but instead retold that there was no DOB and that I could not be verified. I also noted that there could have been an I.D . crime although I don't know how tht would have been done and either way XXXX XXXX wouldn't have been able to verify it eith my SSN as suc would conflict. I also notified XXXX XXXX of my malicious biological mother likely helping these people as they all work together also of her being on my credit and stalking me such as chasing me down streets. I informed the employee that this was a legal issue and that I am currently seeking a restraining order. I informed XXXX XXXX that the person that added me and used my information will be criminally chargd and tha any and all persons added to my information or me to theirs will be criminally charged. I also informed XXXX XXXX that their lack of due procedure and verification seems to make them liable for such as these persons logistically ( of process ) should not even been authorized to use my information to open a bank account. 

Conclusively, XXXX XXXX stated that I could not access my information nor remove my information because of date of birth not being verified. The fraudster still has access to my information and the account that they themselves opened without my permission. I was not given their name and so, unfortunately I currently have no way of having whomever they are, removed from my information, any and all accounts closed and the fraudster/s criminally charged. 

They need to correct their errors and verify all information such as DOB on all users attached to me and allow me access to find out who is doing such. That is my information and they're not following procedure nor keeping the records they're supposed to keep nor following authorization procedure. 
I intend to file this additional report with the FTC aswell.

Company response to consumer: Closed with explanation