Credit card -- Getting a credit card -- Complaint #11048463
Complaint Overview
Complaint ID: 11048463
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: New York
ZIP Code: 130XX
Date Received: 2024-12-05T12:00:00-05:00
Date Sent to Company: 2024-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
2 Capitol One credit cards were opened without my knowledge a venture one and a platinum credit card through Capitol One. These cards were then hooked up to my personal checking account with out my knowledge and being paid on for years without me knowing. I was in a motor vehicle accident XX/XX/XXXX, and received a XXXX XXXX XXXX so I have not handled my finances since. I found out I'd been the victim of massive identity theft in XXXX of XXXX after hiring a private investigator. I found out about these 2 cards I knew nothing about, and reported it to Capitol One. They closed the accounts and removed them from my credit history, but the problem is Capitol One received almost {$27000.00} in payments on these 2 fraudulent cards since XXXX. I've received zero correspondence from Capitol One. So I called in XXXX, and they asked for a signed letter from me saying I didn't make these payments, police reports, unauthorized transactions letter, and statements from my bank. My bank did hours of work, and we provided everything from them mailed from my bank XXXX. In XXXX I made my first complaint, and was followed up and told I needed to now provide a hold harmless letter from my bank, and my banks legal department did this. I heard nothing from Capitol One after they did this. So I made another complaint in XXXX to which they said to resend all the information again including statements, unauthorized transactions letter, and direct deposit form. My bank has spent so many hours helping with this that this time they charged me {$280.00} to reprint the statements and for the member service reps hourly pay, because they've sent so much information, and mailed it and you keep saying it needs to come from them AND IT ALL HAS ALWAYS COME FROM THEM. My bank sent this paperwork last week, and after 19 months I'm begging and pleading to please get my {$26000.00} back. I'm XXXX XXXX, and I have had to spend so much time going to banks, police stations and continuing to be on a hamster wheel with no results. My bank said they've turned in every single thing they possibly can, and have never seen this happen from another institution. That {$27000.00} means nothing to your XXXX dollar organization, but my checking account has been drained and I'm on a fixed income, and now had to pay the bank to do this again because they've done it so many times. I feel so victimized by Capitol One, and feel like I'm being taken advantage of. That money means nothing to you, but you know both cards were fraudulent, and have received so much information to show it came from my checking account their should be no more reasons why after me paying my bank to do this for the 3rd time that I've fulfilled everything you've asked please return my money. I'm XXXX with a XXXX and this unnecessary stress has left me XXXX XXXX XXXX XXXX XXXX XXXX. I recieve no contact from Capitol One other when I make these complaints. I ment with the Attorney Generals office, and filled a complaint there as well. Not that all your obstacles have been checked I would like my money returned as soon as possible. My name is XXXX XXXX and my phone number is XXXX or XXXX please call me and let me know this nightmare is over so I can survive, and pay my bills.
Frequently Asked Questions
What is Complaint #11048463 about?
Complaint #11048463 was filed against Capital One Financial Corporation regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2024-12-05T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.