Checking or savings account -- Opening an account -- Complaint #5616918
Complaint Overview
Complaint ID: 5616918
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Savings account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
State: Ohio
ZIP Code: 45150
Date Received: 2022-05-27T12:00:00-05:00
Date Sent to Company: 2022-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I received a well written, legitimate-looking email from Capital One on XX/XX/2022 at XXXX which has my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the routing number of XXXX printed at the top of the email. The rest of the email congratulates me on opening this account and provides multiple links to resources, policies, downloading the mobile app, and disclosures at the bottom of the email provide the Capital One phone numbers, hours of operation, and standard important information. I have not now, nor ever, opened an account with Capital One. I XXXX the number in the email and it returned the Capital One direct customer support line, which leads to me believe this is a legitimate email and that my identity has been stolen. As such, I contacted Capital One 's fraud department and spoke with a gentleman who told me that the only way he could assist me was by me giving him my social security number. Understandably, I was unwilling to give this, and advised him I had my name, email, the routing number or last 4 from the apparent account that was opened, etc. that he could use instead and he hung up on me. Furious, I contacted a local Capital One Cafe, and a lady advised me that fraud can indeed look me up by other information, or that I could go into a local Capital One Cafe for further assistance. I am a single mother of XXXX kids, and on top of that I work XXXX jobs. I don't have time to do that, nor do I live within XXXX miles of one of those establishments, so the request for me to do that when THEY have messed up not doing their XXXX XXXX XXXX due diligence is laughable. No one will provide me what I need to be able to file a police report, which I am entitled to. I need the XXXX address of the location of who set up the account, information regarding how/when the account was setup, copies of all of the information which was submitted to Capital One to set up this account, etc. Either this company is pulling a XXXX XXXX XXXX XXXX scam and opening accounts for people to meet number goals, or they are assisting someone with fraudulent activities.
Frequently Asked Questions
What is Complaint #5616918 about?
Complaint #5616918 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2022-05-27T12:00:00-05:00.
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 (Checking or savings account) 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.