• Report: #1065287

Complaint Review: CAPITAL ONE

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  • Submitted: Mon, July 08, 2013
  • Updated: Mon, July 08, 2013

  • Reported By: MINISTER ROBBIE — NORTH PORT Florida
CAPITAL ONE
P.O BOX 30257 SALT LAKE CITY,UT , Utah USA

CAPITAL ONE CAPITAL ONE this company opened up a credit card without my consent or authorization and are trying to collect a debt not owed to them SALT LAKE CITY,UT Utah

*Consumer Comment: You need to calm down

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IN THE YEAR OF 2013; I HAVE TAKEN NOTE OF SOME SUPICIOUS ACTIVITY ON MY CREDIT REPORT; SUCH AS CAPITAL ONE; CLAIMING THAT I OWE THEM FOR A CREDIT CARD THAT WAS ALLEDGELY OPENED IN MY NAME WITHOUT MY CONSENT; I SENT  A CERTFIED LETTER  WITH A SIGNATURE OF RECEIPT OF RETURN THAT THEY RECIEVED MY LETTER; TO CAPITAL ONE; REQUESTING A COPY OF ALLEDGED SIGNATURE ON FILE OF MY ALLEDGED SIGNATURE THAT WAS USED TO OPEN THIS ALLEDGED ACCOUNT IN MY NAME AND I SENT A COPY TO TRANSUNION AS WELL; INFORMING THEM THAT I DIDN'T OPEN THIS ACCOUNT WITH THE PROOF OF THE RETURNED SIGNED LETTER OF RECIEPT FROM THE POST OFFICE THAT THEY HAD AND HAVE RECIEVED IT.

NOW CAPITAL ONE HASN'T TO THIS DATE OF 07/09/2013 GIVEN ME ANY PROOF OF MY ALLEDGED SIGNATURE  NOR A COMPLETE ACCOUNT NUMBER OF THE ALLEDGED ACCOUNT TO EVEN FIND; ALSO THEY SENT ME A LETTER STATING THAT THEY SOLD THIS UNAUTHORIZED OPENED ACCOUNT IN MY NAME TO SOMEONE ELSE BUT DIDN'T GIVE THE COMPANIES NAME OR ADDRESS IN THE LETTER. [continued below]....

..... UNDER THE LAW - FOR THE  POLICY CREDIT ACT; I HAVE THE RIGHT TO KNOW ALL I HAVE REQUESTED; AND JUST BECAUSE THEY SELL THE ACCOUNT TO SOMEONE ELSE DOESN'T LET THEM OFF THE HOOK FOR ILLEGALLY OPENING THIS ACCOUNT AND I HAD LIFE LOCK AT THAT TIME TO PREVENT THIS FROM HAPPENING . THEY HAVE SCREWED WITH MY CREDIT AND HAVE LOWERED MY CREDIT SCORE BY DOING THIS. AND I'M PIST!!!! IF THEY SOLD THIS ALLEDGED ACCONT TO ANOTHER COLLECTION AGENCY; THEY WOULD HAVE TO HAVE THE INFORMATION AND MY  ALLEDGED SIGNATURE ON FILE AND INFO THAT OPENED THIS ACCOUNT ON DAY ONE. I DEMAND THE PROOF; I WILL NOT BE BUULIED INTO PAYING A DEBT THAT I DON'T OWE. HERE IS THE LAST ACCOUNT NUMBERS OF THE ALLEDGED DEBT; THIS IS ALL THEY GAVE ME- 6064

ROBBIE THOMAS- BENNETT 7/09/2013


This report was posted on Ripoff Report on 07/08/2013 01:10 PM and is a permanent record located here: http://www.ripoffreport.com/r/CAPITAL-ONE/SALT-LAKE-CITYUT-Utah-84130-0257/CAPITAL-ONE-CAPITAL-ONE-this-company-opened-up-a-credit-card-without-my-consent-or-author-1065287. 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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REBUTTALS & REPLIES:
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Updates & Rebuttals

#1 Consumer Comment

You need to calm down

AUTHOR: MochaG - ()

It seems that your identity has been stolen to open a card from Capitol One. I don't know how your letter is written and what tone in it. First, how could the company know that you are the real owner of the identity? Giving your name and address in the letter does not verify who you are. Did you send them a copy of your driver license? I doubt because it is dangerous to throw your private information out there. Therefore, how could they know that someone else may try to disguise as you and ask for the information you are looking for? It is privacy.

Also, how could they verify that the person who open the card is not you if all the information matches? In other words, someone who stole your private information may simply sign the application and submit all of your legit information to them. There is no verification process in this country once certain private information has been stolen.

What you should do is to write them a letter letting them know that your identity might have been stolen and ask them what you need to provide in order to obtain the information of whoever sign up for the card. Be nice and don't try to be forceful. Most people who are on the other side will be nice back. Trans Union cannot and will not remove it from the credit report as long as the issue is not clear.

By the way, could you please give a link to your "policy credit act"? I don't think the name is correct by the way...

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