- Report: #1143491
Report - Rebuttal - Arbitrate
Complaint Review: Capital One
Capital One Fraudulent Accounts Fraudulent Accounts Internet
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Someone opened a Capital One account in my name a year and a half ago. They maxed out the card in a month. I didn't know anything about it until I ran my credit report 4 months ago. They account was not delinquent, but payments had not been made and it was maxed out.
I reported it to Capital One and did the paperwork they requested. I was told the account was closed and that the charges would be removed from my credit report in 30-60 days. When I ran my credit report again after 3 months, I then had the account listed as delinquent and my credit score had plummeted. When I called Capital One, the Fraud division informed me that I was responsible for the charges. They offered me no alternatives for disputing their results. When I called back the same day I was again told that the account was closed and I was not responsible for the charges.
Another month passed and I received a bill in the mail (the first piece of correspondence I received from Capital One requesting payment) that said I was 5 months delinquent. I called them again with the same results.
Ultimately, I decided to pay them off because I was tired of dealing with it. They refused to remove it from my credit score, but they did remove the late fees they applied while I was disputing the account.
If you receive "preapproved" offers from Capital One, call them immediately and ask for them to stop sending them. I received offers from them on a daily basis telling me open an account. I shredded all of them I received, but I have not doubt that this is how someone opened the account in my name. Capital One is a predatory credit agency with not ethical dilemmas about ruining people's lives.
This report was posted on Ripoff Report on 05/02/2014 07:05 AM and is a permanent record located here: http://www.ripoffreport.com/r/Capital-One/internet/Capital-One-Fraudulent-Accounts-Fraudulent-Accounts-Internet-1143491. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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