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fraudelent credit reporting on card I neveractivated nor used.
Complaint Rating: 
Company information:
capital one
United States
Beware offers for credit cards from Capital One. I received a pre approved offer for a card from Capital One, but declined their offer. I never activated nor used the card and instead shredded it and discarded it safely. Over seven months later I saw a report sent to the credit bureau from Capital One, stating that the card had been used was closed and had a late payment on it. When I called Capital One I was told that the card was never activated from their records and never used, but they were not able to explain how such a report was sent to the credit bureaus. After over two hours of being disconnected and transferred to five different people I was finally transferred to someone in management ( I think), who told me I would have to wait 45 days or more to be sent a form to fill and return explaining the same thing. I still do not know whether they are going to correct their error. I have had to file reports with all three credit bureaus and am in the process of filing with the FTC.
Capital One's response to all of this has been to attempt to frustrate me instead of correcting what should have been a simple matter.
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