Consumer complaint received 2026-03-29 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: GA

Complaint narrative:
There was a Capital One Credit card ending in XXXX, that was issued in my name in XXXX, while I was in another state, to my address where I lived before becoming a member of the United States XXXX. Prior to the card being issued I entered the military as a full-time member in XXXX of XXXX. I was stationed in XXXX XXXX GA until exiting the service in XXXX. I was then only in XXXX for a few months before moving to XXXX where I still currently reside. My father has been using this card for XXXX years. In XX/XX/XXXX he had a near fatal motorcycle accident and suffered severe injuries, which included head trauma and a leg amputation. He had to be revived several times and faced several surgeries. Since that accident he had to medically retire and pass the bill paying responsibility on to his wife. This is when under a fixed income that payments were missed. I do not have a card, nor have I been issued XXXX to my address. Nor have I charged anything on the card or made any payments. I figured out this card existed when I checked my credit on my XXXX XXXX XXXX and learned that it was listed under my name. When I learned this, I called Capital One and reported to them that I did not open the account on XX/XX/XXXX XXXX XXXXXXXX. They advised me that I needed to file a report, So I did so and filed a police report on XX/XX/XXXX XXXX XXXX with the XXXX XXXX Sheriff 's Office . I then called back Capital One and advised them that I had filed the police report and of the case number. The stated that they opened a fraud investigation. Capital One requested by mail on the XXXX of XX/XX/XXXX that I submit several documents. They sent me a hyperlink where they asked me to upload images my social security card, Georgia license, and to fill out an identity fraud Information Form that was notarized. I did this and on the XXXX of XX/XX/XXXX I received notification that they had closed the investigation stating that I had interacted with the account. I called them back and asked how I interacted with the account. They would not tell me and stated that I could add to the case to support that I could not have opened the account. I then submitted my XXXX and the Police report to them through another hyperlink. They stated that they would re-open the case. On the XXXX of XXXX they sent the same form letter stating that they had once again closed the investigation. I called them again and now they stated that I needed to have my father accept responsibility for the account. He wrote a letter stating that he had opened the account and sent it to them after having it notarized. He sent them the letter on the XXXX of XXXX. On the XXXX of XXXX they sent a form letter stating that I accepted responsibility for the account. I called them once again and argued that this was incorrect. They then asked for my father to apply for a Letter of Responsibility. He downloaded this form after a XXXXway phone conversation with their fraud specialist. He submitted this form to them in the mail on the XXXX of XXXX. They advised it would take XXXX to XXXX days to process this. They sent a letter on the XXXX of XXXX stating once again that I had accepted responsibility for the account. This is clearly not the case, so I called them back again. They were again continuing to refuse to give me the account number, how I am connected to the account, or to even to know where the bills are being sent too. They further do not give me a way to pay the account, which is not mine. I have had numerous phone calls, XXXX to XXXX number alone, with them through the course this nightmare, that usually last over an hour at a time. They always make me talk to XXXX different people, place me on long holds and give me different answers each time I call always moving the bar to how I can resolve this issue.

Company response to consumer: Closed with non-monetary relief