Credit card or prepaid card -- Closing your account -- Complaint #5743135
Complaint Overview
Complaint ID: 5743135
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Can't close your account
State: Massachusetts
ZIP Code: 01906
Date Received: 2022-07-06T12:00:00-05:00
Date Sent to Company: 2022-07-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, On XX/XX/XXXX I found evidence of identity theft on my credit report. I then realized that my identity had, in fact, been stolen. An address and multiple phone numbers were taken out in my name and used to obtain several credit cards including 2 from Capital One. One of those accounts has since been found as fraudulent however the other one remains. That account has a due balance of {$460.00} and was opened on XX/XX/XXXX of XXXX. Several times I have filed fraud notifications with the company and each time they continue to tell me that they find no evidence of fraud. Each " investigation '' seems to last only a couple of days. I have never been contacted with an explanation other than that they " have found no evidence of fraud ''. After speaking with multiple representatives I have discovered that since the address and phone number matches my name, Capital One will not identify the account as fraud. Recently I have submitted a full police report containing my sworn statements & a possible suspect, my tax returns with proof of my address and phone number from XXXX & XXXX, an email from the landlord of the property the card was sent to stating that I have never lived there, an affidavit I signed for another bank concerning fraudulent activity on a card sent to the same address, a letter from another bank explaining that fraudulent activity had been found, and a picture of my license. After sending all of this, I received yet another letter within 2 days saying no fraudulent activity has been found due to " limited information '' provided. This is the MOST information I have ever sent to any bank. Please, I need help. I am willing to cooperate, I just need someone from the fraud team willing to work with me.
Frequently Asked Questions
What is Complaint #5743135 about?
Complaint #5743135 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2022-07-06T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 or prepaid 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.