Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Consumer Information : Full Name : XXXX XXXX XXXX ( reflected on account as XXXX XXXX ) Location : XXXX XXXX XXXX -- - INSTITUTION : Capital One Bank, N.A. PRODUCT : Checking Account ( Capital One 360 Checking ) -- - DESCRIPTION OF COMPLAINT : I am filing this complaint against Capital One Bank, N.A. for its repeated failure to prevent fraudulent activity on my accounts spanning from XXXX to the present, its denial of legitimate fraud claims, its allowance of a fraudulent account opened in my name, and its current attempt to charge me an overdraft fee on an account I believed to have been closed since XXXX. 1. REPEATED FRAUDULENT WITHDRAWALS ( XXXX ) Capital One repeatedly allowed unauthorized and fraudulent withdrawals from my checking account ( s ) over a period of nearly XXXX decades, from XXXX through XXXX. This pattern of fraudulent activity has continued despite my repeated reports to the bank. Capital One 's failure to implement adequate safeguards to prevent ongoing fraud on my account constitutes a serious failure of its duty to protect consumers. 2. FRAUDULENT ACCOUNT OPENED IN MY NAME A fraudulent account was opened in my name at Capital One without my authorization. I did not consent to the opening of this account and believe it to be the result of identity theft. Capital One failed to detect or prevent this unauthorized account opening. 3. PRIOR FRAUD CLAIMS DENIED DESPITE PROVISIONAL CREDITS I reported fraudulent activity to Capital One on multiple occasions, including claims filed in approximately XXXX, XXXX, XXXX, and XXXX. In the XXXX instance, a provisional credit was issued and remained on the account. Beginning in XX/XX/XXXX, I renewed my efforts to have Capital One investigate and resolve the ongoing fraud. Capital One investigated and denied my claims, despite the documented history of fraudulent activity and the provisional credits previously extended, which total approximately {$5800.00}. 4. OVERDRAFT FEE ON A BELIEVED-CLOSED ACCOUNT Capital One is currently attempting to charge me an overdraft fee of {$290.00} on my Capital One 360 Checking Account. I believed this account to have been closed since XXXX. I never received a replacement debit card for this account, further supporting my understanding that the account was inactive or closed. Charging an overdraft fee on an account I had no reason to believe was still open and which I never actively used is an unfair and deceptive practice. 5. POLICE REPORT AND PRIOR AGENCY REPORTS FILED I have filed a police report regarding this fraudulent activity and have also reported this matter to other federal agencies. Documentation is available upon request. RESOLUTION REQUESTED : I respectfully request that the CFPB : - Direct Capital One to waive the {$290.00} overdraft fee immediately ; - Direct Capital One to conduct a full and thorough investigation into all fraudulent activity on my accounts from XXXX to present ; - Direct Capital One to reverse any outstanding charges resulting from fraud ; - Investigate Capital One 's practices regarding the opening of unauthorized accounts and its handling of repeated long-term fraud claims ; - Take appropriate regulatory action to prevent Capital One from engaging in these practices against other consumers. I am prepared to provide supporting documentation, including police report numbers, prior correspondence with Capital One, and account records upon request.

Company response to consumer: Closed with explanation