Capital One - Unauthorized Account

In 2010, a Capital One card was opened in my name with a $500.00 limit. The statements were coming to my previous address. My mail was forwarded to my new address 3 months later, and I received a statement saying that I had missed several payments. I called Capital One and explained to them that I never applied for a card. As a matter of fact, this card was applied for online, WOW. After what they called an investigation, they told me that I was responsible for the card because of the mailing address.

I asked what type of investigation was done and the person could not answer the question. All they could tell me was the previous address matched the statement address. I asked them to provide me signatures but it never happened. I asked them to locate the stores to see if maybe cameras were operational on those dates that the card was used. I asked Capital One, don't it look strange that this card was maxed out in a couple of days? They said not really.

Now I have this card on my credit report with no payments. I don't see why I should be liable for this card and they told me to go to the police station and file for a stolen card. Are you serious? PLEASE. Capital One needs to do their job. A good investigation needs to be done, not an investigation from behind a desk.

I received a phone call on my cell telling me that I owed money on a credit card. I said not me! I told them they had the wrong person. The person they were looking for was my mother and that we had the same name .

This guy pretty much called me a liar even after the birth dates did not match. I even tried to tell him were to find her and all he said was, "Mrs. Jackson, don't play with us." I have sent letters to them proving that I am not the one they are looking for.

This has happened one time before and I finally got it to stop and now it has started all over. I pay my bills and I will not pay someone else's.

on 06/13/2011 was sent a capital one bill with my name on it but not my account . the amount due is overdue $2,830.90 for account ** . This is NOT any of my accounts. I have 3 and all are paid and at this time nothing is due. I have never been sent any information about this account I have never been sent monthly statements . I have the 3 and only 3 accounts

I received a letter from Capitol One stating I was late 4 payments and owed them 103.19 . I never opened an account or agreed to this credit line with them. I called them and spoke with a gentlemen who said they could close the account and set the balance to zero, I asked how this account was opened in the first place and was transferred to a supervisor named Rob. He said he was not exactly sure how this account was opened but he said he was sure it was not by mail. He then told me he was not sure if he could set this account to a zero balance, but that he could close it.

After some worried time waiting on the phone, Rob told me he had managed to zero this account but that I will have to call back after Tuesday ( 5 days from now) to close this account. This is taking My time and money ( from using my cell phone) to deal with a credit card that I never opened.

Its causing undue stress in my life that my credit score will worsen or my wages may be taken as a result. economic times are difficult for my family and I right now and I don't feel its fair for Capitol One to start credit accounts for people without there knowledge or consent.

I applied for a business loan and was solicited by Capital One. The ph # for them is no longer valid, and they told me it was backed by the SBA and it is not. On the paperwork it says they needed personal info for SBA, and then they put the business loan as a personal loan unbeknown to me. Recently we are trying to sell our business and now I have this loan under my personal name (which I did not agree to) instead of the business! I have sent letters, faxed, called- asking for the paperwork or recorded call that I agreed to a personal loan. No response. I was acting as a LLC member duly authorized to act on its behalf. I feel this is fraud.This loan was to be sold with the business as a business loan. It has called much aggravation and headache, and now we were not able to get it included with the business because it is under my personal name! Im out $50K!

Lots of time; 1)On hold waiting for capital-one agents. 2)Telephone and email with Michigan's AG office (MIKE good guy). Loss of income, cost to taxpayers, and damage to credit my report.

A credit card was taken out in my name without my authorization or consent. I realized this once I ran my credit report. My husband and I called Capital One repeatedly without much luck. We called about 10 times and each time transferred to one person who transferred us to another person who transferred us to a department and then back to the original person we spoke with. Each call lasted close to two hours.

Through the fraud department we finally discovered that a relative took this card out in my name, using my information. Due to this fact, there were only one of two options given to us. 1. File a police report against this relative. 2. Have this relative sign a statement of responsibility in which then the debt would be turned over in their name and out of my name, off my credit.

We chose option 2. We mailed this form, signed and filled out completely. We faxed this form to the fax number given to us and on the form itself. Every time we've called Capital One to verify the info was received, they claimed they never received it. We have since faxed and mailed many times and still no response and they still claim to not have received.

It's been over a year and I'm still at the same point I was when I first discovered this problem. They treat me horribly every time I call, they treat me like the thief and not the victim. Even though it was a relative, it's still fraud and very much a big deal.

My near perfect credit is now at the bottom. I cannot even qualify for a low home loan. This bill keeps increasing in amount and I've missed many days of work trying to deal with this and getting nowhere. It's leaving me very stressed, frustrated, and little else to think about when trying to sleep.

Reduced my credit score, which is quite good. Caused me undue hardship to deal with this issue while suffering a life threatening illness. I am a professional 57 yr. old COO of a company and the manner in which this was handled is inexcusable and fraudulent.

I am a college grad and already have three credit cards I'm paying off. I have been a victim of fraudulent charges in the past with another credit card company. That incident was handled within 20 minutes THAT DAY! I may have to go to the police with this one and bring up charges on Capital One, considering all the complaints listed here. This is ridiculous, and I'm too young to be having my credit all messed up already.

Now in December I am trying to get a home loan, and I find that the account is still on my credit report and has had a major negative effect on my credit score which is severely hurting my chances of getting a home loan that I would otherwise have no issues in securing.

My credit score is not able to go up. They are spamming my information. I have contacted the company directly to get them to stop sending me their offers for credit. Somebody make them go away....

My ex-husband opened an account in my name online. Capital One has on signature on file that this is my account. They refuse to remove this loss from my credit report, even though they can't prove that I opened the account. They can press charges against my ex-husband if they wish, but this was never my account.

My credit report has suffered severely & I have been denied credit because of it & I am paying higher interest rates because of it.

I got a loan from my Credit Union to pay the two credit cards off. Then they turn around and send me a pre-approved Platinum Visa card. Nowhere in their information or applications do they disclose that they charge the annual fee to the card right away. I sent them a letter telling them in no uncertain terms that they are to remove that charge and close the account. They ignored that letter and are now trying to extort money from me.

I haven't got the money to pay this extortion. I am really ticked off that Capitol One pulls this kind of garbage, and thinks they can get away with it. I have since filed a complaint with the Federal Trade Commission concerning this loan shark outfit.