Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX my online account for capital one was hacked. The person linked their bank account to my account to make payments. When I noticed I reported it to capital one. They did nothing. Eventually I was locked out of my account. I reported this to capital one and they did nothing. 

The person who hacked my account started making payments on my account from their bank account and when the transaction would fail they would use my account. Capital one has a limit on how many times a failed payment can occur before they close your account and I was unaware of that, but anyway. 

My account was closed!!! I called capital one several times they stated theres nothing they can do. 

I asked if I could at least just be billed what I owed before I was hacked and they refused. 

In XX/XX/XXXX I contacted capital one again to try to clear my name. They asked for the transactions and sent me my statement so I could pick out dates. 

They concluded the amount of {$860.00} is valid but NEVER LOOKED INTO ANYTHING ELSE LIKE THE FRAUDULENT BANK ACCOUNT!!!! 

There was no paperwork sent to me detailing their investigation of how it was valid! 
My account got hacked then was closed and Im being penalized for it unjustly because I cant open a new card and this negatively reporting to and impacting my credit. 

XXXX XXXX XXXX XXXX was violated by continuing collection efforts while a dispute remained unresolved and failed to properly investigate on SEVERAL OCCASSIONS XXXX XXXX XXXX was violated because capital one ALLOWED fraudulent transactions despite me reporting it to them several times! 

XXXX protects consumers from unfair and abusive behavior from financial institutions and capital ones failure to validate the debt properly, improper handling of my fraud reports, and their attempt to collect a fraudulent debt is grounds to sue XXXX XXXX XXXX ( b ) ensures accuracy of information. This was violated because the bank account alone was fraudulent so this is not accurate yet all they do is send a letter stating it is. 

XXXX XXXX XXXX disclosure was violated! They sent NO DOCUMENTATION! That means they didnt validate the debt properly or validate that it belongs to me!!!! 


XXXX XXXX XXXX Unfair Practices : It is considered an unfair practice for debt collectors to attempt collection without conducting a proper investigation or providing validation when required. 

I am suing for damages under FCRA XXXX for willful or negligent noncompliance. 
FDCPA XXXX for violations by debt XXXX. 

XXXX requires there must be an investigation! 

I know that FCRA applies to debt XXXX, I receive correspondence from Capital One by email and I used to by phone to satisfy the debt. The callers say this is an attempt to collect a debt. The emails say that my statements are available but I dont even have access to statements! 

Capital one is also KNOWINGLY falsely reporting {$860.00} unpaid derogatory account to my credit and it has harmed me from getting another capital one card and other credit cards! 

I am no longer willing to go back and forth with capital one! I want results! 

I demand a cease and desist of reporting negatively to the credit bureaus as this debt is fraud!!! I prohibit the selling of this account to any debt collector, if it is sold I demand I not be contacted! 

I am pursuing {$100000.00} in damages if this is does not stop reporting to my credit and I demand {$3000.00} for the improper investigation, for doing nothing when I reported my account hacked while it was still active therefore aiding in the fraud against me! This is not a request!

Company response to consumer: Closed with non-monetary relief