Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am an identity theft victim filing this complaint against Discover Financial Services for failing to provide written documentation confirming the absence of a fraudulent account and transaction in my name, as I am entitled to under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( e ), which grants identity theft victims the right to obtain business records related to fraudulent accounts or transactions made in their name. BACKGROUND : On XXXX XXXX, 2026, XXXX XXXX XXXX claims that they transferred {$23000.00} from my account ( plus a {$950.00} fee ) to what they describe as " a XXXX account in my name. '' XXXX XXXX XXXX has twice denied my fraud claim citing this as their justification ( BOA Claim No. XXXX ; CFPB Complaint No. XXXX currently open against XXXX XXXX XXXX XXXX XXXX I have a police report documenting this identity theft and fraud : XXXX XXXX XXXX XXXX 's Office Report No. XXXX, filed XX/XX/XXXX. WHAT I HAVE CONFIRMED WITH DISCOVER : I have contacted Discover Financial Services XXXX separate times, escalating to supervisor level on the most recent call. Discover has verbally confirmed all of the following : The only Discover account ever associated with my name was opened in XXXX, reported lost/stolen, and is closed since XXXX. No new Discover account has been opened in my name at any time. No funds were received from XXXX XXXX XXXX on or around XXXX XXXX, 2026 in my name. No amount of {$23000.00} or any other amount was transferred to any Discover account belonging to me. During my XXXX 2026 call, Discover 's supervisor even offered to participate in a three-way call with XXXX XXXX XXXX XXXX confirm these facts directly. XXXX XXXX XXXX refused. MY REQUEST AND DISCOVER 'S REFUSAL : I have repeatedly requested that Discover provide written documentation confirming : ( 1 ) no active account exists in my name ; and ( 2 ) no funds were received from XXXX XXXX XXXX on XXXX XXXX, XXXX. This written confirmation is critical evidence needed to overturn XXXX XXXX XXXX 's fraudulent denial and recover {$24000.00} stolen from me. Discover has refused to issue any written documentation, stating they can not issue a letter confirming the absence of an account. However, under 15 U.S.C. 1681g ( e ) of the FCRA, as an identity theft victim with a filed police report, I have a legal right to request and receive business records including records confirming no transaction or account exists from any business that was the alleged recipient of funds obtained through identity theft. Discover 's refusal to provide this documentation leaves me without the written evidence needed to resolve an active {$24000.00} fraud dispute with XXXX XXXX XXXX, directly prolonging financial harm to me. IMPACT : Because Discover will not issue written confirmation, XXXX XXXX XXXX continues to maintain its fraudulent denial. My account remains in past-due status. Adverse credit reporting has been submitted to XXXX XXXX XXXX and XXXX. My XXXX perfect credit history is being damaged by a crime I did not commit, and Discover 's refusal to document what it has already verbally confirmed is a direct contributing factor to this ongoing harm.

Company response to consumer: Closed with explanation