Credit card or prepaid card -- Getting a credit card -- Complaint #6820427
Complaint Overview
Complaint ID: 6820427
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
State: Minnesota
ZIP Code: 55446
Date Received: 2023-04-10T12:00:00-05:00
Date Sent to Company: 2023-04-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Capital one, clearly motivated by profit, continues to insist that the fraudulent accounts belong to me because the SSN, DOB and contact information belong to me and statements were sent to my address. However, this is a case of identity theft and there is nothing surprising about information matching and the fact that it was open online also provides further proof. Capital one has not provided me with the information related to the IP address that was linked to the account opening. Moreover, within the police report, which has been provided to Capital one, the defendant in this identity fraud theft case admits that he lived at the same address and did in fact make payments to the accounts he opened fraudulently so that he could continue using them because he was not a legal permanent residence with a valid SSN thus could not open his own accounts. Additionally, last week the prosecutor who is handling this identity fraud case sent me the attached sworn affidavit from the defendant in which the defendant admits to opening among others, the Capital One credit cards There is no evidence that Capital One has properly investigated this matter. I have been in touch with the police and prosecutors working on the identity theft case and they have confirmed that no representative from Capital One has reached out to them. The same information that was used to open account ending in XXXX is the same as the one used to open account ending in XXXX. Both are fraudulent.
Frequently Asked Questions
What is Complaint #6820427 about?
Complaint #6820427 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2023-04-10T12:00:00-05:00.
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.