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Capital One Credit / going after me for fraudulent account

1 MD, United States Review updated:

I called back to tell them to stop harassing me. Have never had a Cap 1 card and I am on the do not call list. Turns out someone with different middle initial opened an acct w/my phone number and the rest of my name. I gave my address to Cap 1 so that they could send me fraud info and straighten this out. Today I rec'd a letter asking for every piece of my info including copy of license and copy of ss card, etc telling me they would straighten it out. I also received a letter telling me that they had determined that I am liable and they are pursuing me. Spent more frustrating hours on the phone being transferred and disconnected. They want my ss# to pull my good credit report. I pay my bills every month and have good credit. I don't trust them now that they have my address and are sending me paperwork saying they are going after me. I have told countless reps my dob and last 4 of ss # but all for naught. I was stupid to give any information to these frauds. Beware!!! They seem to be trying to get all my info to pin it on me. Why is the burden on me to prove who I am when they should have checked out the identity of whomever they are issuing cards to?!? Now I'm wondering if the person really used my phone number in the first place when opening the account or if Capital One added my phone number on their own.

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  • Te
      24th of Feb, 2009
    0 Votes
    Capital One Credit - They are just greedy
    Capital One Credit
    United States

    Well after being a customer for 9 years with never missing a payment or being late, this company sent me a letter stating that they are raising my interest rate from 6 percent to 16.5 percent because of the economic situation.

    I called and talked to their $3.00 a day/very poor speaking Indian woman who could not believe that I would even question this move on Capital One's part. She tried to explain that this was not personal and that I should be honoured that my 750 credit score should be included with those that have a 400 score and have not paid their bills on time.

    I was then transferred to a senior account person who again apologized that I was unhappy and that this was nothing personal, and after I asked her what Capital One did with those billions of dollars that they got from good old Uncle Sam this professional Capital One person hung up on me

    I cancelled my account and Capital One lost a good paying 9 year customer, so can some one please tell me how this made any sense on their part, to jack around a good customer so they lose that customer and thus they make nothing off that 9 year customer? How does that make any sense?

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