Credit card -- Getting a credit card -- Complaint #11916215
Unauthorized Credit Card Opened in Consumer's Name
Complaint Overview
Complaint ID: 11916215
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: Massachusetts
ZIP Code: 02451
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Opening credit accounts without consent can lead to identity theft and damage to a consumer's credit score, requiring careful monitoring and dispute resolution.
Consumer Sentiment: negative
Topics: Identity Theft, Unauthorized Account Opening, Credit Card Fraud
AI Analysis
CFPB complaint 11916215 was filed against CAPITAL ONE FINANCIAL CORPORATION regarding Credit card (General-purpose credit card or charge card), specifically about "Getting a credit card". A consumer's credit card was opened without their knowledge or consent, leading to a closed account with non-monetary relief. The complaint was received on January 31, 2025 from Massachusetts. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and statements for any unauthorized accounts or activity and dispute them immediately.
Legal Context & Consumer Protection Laws
Federal laws like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) protect consumers from unauthorized credit activity and abusive collection practices.
Regulatory Insight
This case highlights the importance of robust identity verification and fraud prevention measures by credit card issuers to protect consumers from account opening fraud.
Resolution Likelihood
likely
State-Specific Consumer Protections
Massachusetts law may offer additional protections or remedies for consumers experiencing identity theft or unauthorized credit account openings.
Industry Comparison
This issue is common across the credit card industry, with many consumers reporting unauthorized account openings due to data breaches or identity theft.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11916215 about?
CFPB complaint 11916215 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Getting a credit card", specifically "Card opened without my consent or knowledge". This complaint was filed against CAPITAL ONE FINANCIAL CORPORATION on January 31, 2025.
Which company is complaint 11916215 filed against?
Complaint 11916215 was filed against CAPITAL ONE FINANCIAL CORPORATION. You can view all complaints against this company on their profile page at /company/capital-one-financial-corporation.
What was the company's response to complaint 11916215?
CAPITAL ONE FINANCIAL CORPORATION responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 11916215 filed?
Complaint 11916215 was received by the CFPB on January 31, 2025. It was sent to CAPITAL ONE FINANCIAL CORPORATION on February 3, 2025.
What state was complaint 11916215 filed from?
Complaint 11916215 was filed from Massachusetts. You can view all complaints from this state at /state/MA.
Was the consumer satisfied with the resolution of complaint 11916215?
Dispute information is not available for complaint 11916215.
What product category is complaint 11916215 about?
Complaint 11916215 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 11916215 submitted?
Complaint 11916215 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11916215?
Federal laws like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) protect consumers from unauthorized credit activity and abusive collection practices. This relates to a Credit card complaint against CAPITAL ONE FINANCIAL CORPORATION involving "Getting a credit card".
How likely is complaint 11916215 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11916215?
This complaint is rated as medium risk. Opening credit accounts without consent can lead to identity theft and damage to a consumer's credit score, requiring careful monitoring and dispute resolution.
What regulatory actions apply to complaint 11916215?
This case highlights the importance of robust identity verification and fraud prevention measures by credit card issuers to protect consumers from account opening fraud. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 11916215?
Consumers should regularly review their credit reports and statements for any unauthorized accounts or activity and dispute them immediately.
Are there state-specific protections for complaint 11916215?
Massachusetts law may offer additional protections or remedies for consumers experiencing identity theft or unauthorized credit account openings. This complaint was filed from Massachusetts.
How does complaint 11916215 compare to industry norms?
This issue is common across the credit card industry, with many consumers reporting unauthorized account openings due to data breaches or identity theft.
What steps should a consumer take if they discover a credit card was opened in their name without their consent?
Immediately contact the credit card issuer to report the fraud, close the unauthorized account, and dispute any charges. Then, file a police report and place a fraud alert on your credit reports with the three major credit bureaus (Equifax, Experian, and TransUnion).
What does 'closed with non-monetary relief' mean in this context?
It means the issue was resolved without the consumer receiving any financial compensation, but rather through actions like closing the fraudulent account, removing it from their credit report, and ensuring no debt is owed.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.