Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft involving my checking account with Capital One. In [ insert month/year ], an unauthorized party fraudulently used my debit card information to rent a vehicle from XXXX. The charges totaled more than {$1600.00}. I did not authorize this transaction, I was not in possession of the rental vehicle, and I did not provide my personal information to XXXX directly.I promptly reported this as fraud to Capital One and have disputed the charges XXXX separate times. Each time, Capital One has denied my dispute, stating that XXXX has my information. While that may be true, XXXX only has my information because it was stolen and used without my consent. This is a clear case of fraud and identity theft.Despite my repeated disputes and explanations, Capital One continues to hold me responsible for this fraudulent transaction and is charging me for the balance on my account. This has caused me financial hardship and stress, as I should not be liable for charges that I did not authorize. XX/XX/XXXX, my satchel was stolen from an XXXX. The satchel contained personal documents, including my drivers license, insurance cards, and other identifying information. Since that time, I have continued to discover fraudulent activity connected to my identity.Recently, an individual used my stolen drivers license, which listed an old address, to falsely report involvement in a vehicle accident. At the time of the alleged accident, I was not driving, nor was I in possession of my vehicle. My XXXX XXXX XXXX had been in the repair shop since XX/XX/XXXX, due to a major defect, and I had no access to it. XXXX subsequently repurchased the vehicle, and my XXXX XXXX policy was officially canceled on XX/XX/XXXX. Despite this, the person who stole my information used the license and insurance cards from my satchel to falsely claim that I was involved in the collision.In addition to this, my Social Security number has been used to open more than XXXX fraudulent credit and bank accounts in my name, many of which date back several years. These accounts do not belong to me, and I am currently submitting fraud affidavits and dispute packets to each creditor.I am filing this report to formally document the theft of my identity, the fraudulent use of my drivers license and insurance information, and the continued misuse of my Social Security number for credit and financial fraud. Since XX/XX/XXXX, I have been a victim of a fraudulent scheme involving my XXXX account and XXXX XXXX XXXXl. An unknown individual gained unauthorized access to my XXXX driver account and used my personal and financial information, including my credit card details, to apply for an account with XXXX XXXX. This account was then used to commit fraudulent activities, resulting in losses exceeding XXXX my efforts to report this issue to both XXXX and XXXX, I received little to no assistance. XXXX responded by blocking my account to prevent further unauthorized access, but XXXX continued to allow fraudulent transactions to take place. XXXX has been debiting my account using prior authorization numbers, which were obtained fraudulently, to charge me for services I did not authorize. Most recently, I was charged the following amounts without my consent:XXXX for automated XXXX  XXXX by XXXX  have made repeated attempts to resolve this matter directly with XXXX and XXXX XXXX but the fraudulent charges persist. I am now seeking law enforcement assistance to investigate this matter and prevent further financial harm. They also used my Social Security number ending in XXXX to obtain credit cards and loans to date. I have been able to locate XXXX accounts that do not belong to me. - IXXXX XXXX XXXX XXXX  XXXX = [ XXXX ] - Amount Lost? = [ XXXX ] - Type of identity Theft = [ Bank Account Information ( XXXX ) <> Credit/ Debit card or Number ( XXXX ) ] - Documentation Provided ( Check all that apply ) = [ Bank/ Credit Card Statement <> Credit Card Slip ] - Have you previously reported this incident to law enforcement? = [ XXXX ] - Date Discovered = [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation