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Capital One in Herndon, Virginia - Someone stole my identity

what i dont understand is that i never recieved a card with capital one and three months later i recieved a statement saying i owed them over 5,000. the question that keeps running through my mind is why i never recieved a phone call, you can pull up phone numbers through crediut reports and second why wasnt the account red flagged when the charges were made within a two to three week period maxing out the credit card. i will never apply with capital one i know they are only trying to keep me as a customer for the future telling me that they will find the person and prosecute. if that was they case half of the united states woudl be in jail. i know they will clear my name i just feel that they need to do a better job for proving identity for when one applys with them.
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#109495 Review #109495 is a subjective opinion of poster.
Product
Capital One Account
For about 5 months my husband has been trying to close his Capital One account. He called and paid off the entire balance and asked to have the card cancelled. Everything seemed fine, they said it was now cancelled. Soon after my husband started getting bills from...
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5 comments
Anonymous
#416145

what is it going to take for colorado attorney general to sue this company in a class action suit like west virginia did for violations of the law

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#109140 Review #109140 is a subjective opinion of poster.
Product
Capital One Account
On November 26th, 2007, according to the letter received from the debt collector they use (AIC), the debt is now settled in full. We own our truck, free and clear? Not quite. There is still the matter of a lien release...a matter not being solved to our satisfaction at...
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1 comment
Anonymous
#1724

I have had my loan with CAP One for years now, but not my choice. My bank sold it to them. I was upset about this. Things were good, then I moved to Georgia. I missed my payment, was late about 30 days before I was able to get a job to pay. I called them to give them my new address. From time I moved to time I was able to get into a place, 26 days. 5 days after I called them, they repoed my car. I was mad about that. I had to borrow money, I just started my new job. *** huh.

Gets better. Have you ever made an online payment? Or made a check over the phone payment. Well last night, I got a call from Cap One, wanting their payment. I told them when they would have it, and apologized, since I was unemployed for about 45 days. They said ok, we can setup a payment for you. What are the last 4 of your SSN. I gave it to him. Then he said, ok, what is the last four of your checking account. I was like - WTF?!!!! How on earth do you have my account information. The only time I would have ever used it was for the online session you can setup to make your car payment, and there is no reason a collections rep should have that information. I WAS SHOCKED. I then asked, can you see more then 4 of my SSN, he said no. I then asked, can you see all of my account number, My mouth dropped when he said yes. He could see my banking name, routing number, THE WHOLE THING!! Everything he could want for the taking. My information is in Cap One's system for them to pass out to all of the high risk employees they have to begin with.

We all know how collections are - high turn over rate. I immediately asked to speak with a supervisor.

John Lanford got on the phone, told me that he would see what he could do to get it removed. I never gave them permission to have it to begin with. I am determined to get this information erased. He told me that it holds in the system the last way that a payment was made. So to me that says, that at any moment someone wants to be a ***, or hates me because I am rude to them, they can initiate and auto deduct payment from my account because they already have my information.

And who knows how trustworthy their employees are.

To top it all off, when I called them about 2 weeks before Christmas to let them know my payment would be about a month late due to unemployment, the rep was shockingly nice to me. He told me he understood, and said that I could get a deferment. I had heard of this before because my sister told me about it with her loan company. I asked about it when I moved out to Georgia, the time the repoed my car. THey told me it was not an option, and I would not be able to .

This time I said something about it, and the supervisor, who did not offer it, then openly said he would do what it takes to make sure I could get it, and help me out in anyway that he can.

This tells me that Cap One is illegally holding my information, and making it available to all of their employees who have access to the system.

Thank God I have employee benefits that have allowed me legal advice 24/7. I will be using that benefit before the end of this week if that supervisor does not call me back.

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#109020 Review #109020 is a subjective opinion of poster.
Product
Capital One Account