topic CAPITAL ONE AND KOHLS HELP!!!!! in Rebuilding Your Credit

CAPITAL ONE AND KOHLS HELP!!!!!

diesel2013 — Fri, 03 Nov 2017 03:31:11 GMT

Hey guys!

So I need your help. I am in a weird situation here.

I recently was a victim of ID theft. Someone opened up various accounts under my name using my SSN and information that was stolen out of my vehicle a few years back. Fast forward to present day - I ran my credit a few months ago and found out someone opened 2 cap one cards and a Khols card (Khols is under cap one as well). Filed police report and tried to disputes with Cap one Exc. Offices - no luck. Because my public records were comprised of the culprit's information, cap one is able to verify addresses and phone numbers that are not mine as mine due to how long these accounts were open and making it onto the public records systems they check. Additionally, the culprit opened up a chase bank account and was paying on the cap one and khols account using it. I filled a fraud claim with Chase, they approved the claim, found it as fraud and closed it.

So Far I have done the following:

Filled a Police Report
Disputed with Cap one Ex. Office, provided them police report, proof of address, and copy of the Chase Bank fraud letter.
Pointed out to Cap one, that they were getting Fraudulent payments from the Chase account, - NO DICE - they don't care.
Disputed the accounts, with all 3 bureaus, multiple times. - NO DICE
Debt validation -tried that route - information comes back as mine.

I have been fighting with Cap one, and they keep on telling me the accounts are mine, and are unhelpful in getting this resolved. Not sure if anyone has any tips. Also, when my information was stolen the person had my passport and sent a picture of it to cap one to open the account as proof, along with W-2 and work pay stubs. So CAP one will not believe me when I tell them my car was broken into while I was moving.

HELPPPP! Sugesstions?? (other than not to leave my info in my car)

Thanks guys

Re: CAPITAL ONE AND KOHLS HELP!!!!!

Anonymous — Fri, 03 Nov 2017 14:36:52 GMT

Are you nearly current on those accounts??
I would walk into chase close the
Checking account and keep their money, then do a full freeze.
Something is odd about this post tho

Re: CAPITAL ONE AND KOHLS HELP!!!!!

Anonymous — Fri, 03 Nov 2017 15:08:25 GMT

I agree with Ford, something does not make sense. Why would thief open a Chase account and use to make payment on those credit cards. Anyway, I think it's best to request Chase to close the account and report it to the police also. It's always helpful to have everything related to this incident on paper for future reference in case you need it. Good luck!

Re: CAPITAL ONE AND KOHLS HELP!!!!!

diesel2013 — Fri, 03 Nov 2017 15:58:50 GMT

The account with Chase is closed, when I found out about it they closed it and opened a fraud case. A few weeks later the fraud case was completed and found in my favor because a persons opened it using a different address. My guess is that these accounts were opened for a few years, and the persons did not want me to find out and was paying on them and then defaulted and I found out.

Re: CAPITAL ONE AND KOHLS HELP!!!!!

Anonymous — Fri, 03 Nov 2017 16:06:44 GMT

Oh, got it now. I was a bit confuse with the Chase account in the first post. Just be sure to get everything documented because you never know when you might need it to clear up other things.

Re: CAPITAL ONE AND KOHLS HELP!!!!!

RobertEG — Fri, 03 Nov 2017 16:20:49 GMT

The identity theft process set forth in FCRA 605B was implemented expressly to avoid any involvement of the creditor or a debt collector in removal of their reporting from your credit report. More specifically, if you send a copy of the police report to the CRA, then the CRA is requried to block any information asserted in the sworn police report to have resulted from identity theft from any credit report they issue.

You should have sent the police report to the CRA, along with proof of your identity and a fraud affidavit, avoiding any need for the creditor to agree with the police report.

See the stick post titled "Victim of Identity Theft?" in the upper portion of the General Credit Topics forum for an in-depth discussion of the identity theft process under FCRA 605B.

Re: CAPITAL ONE AND KOHLS HELP!!!!!

Anonymous — Fri, 03 Nov 2017 16:31:12 GMT

Agreed with this.

If the CRA won't remove it per FCRA 605B and you've followed everything and have a documented paper trail, your only solution is to sue the CRA for violating federal law. Some folks try to get the CFPB to intervene pre-lawsuit but honestly if you follow the law, so should they.