Capital One Credit Card Complaint

Capital One Credit card department,

Identity theft / Fraud / Embezzlement Oregon

In -, 2016, I received a voicemail from Capital One Fraud Department asking me to call right away since they believed they had detected " suspicious activity on - of my credit card accounts. '' Over four months later, I continue to be billed for fees and interest on a closed account that Capital One agreed had been used fraudulently via identity theft, and that we had - liability to pay. Capital One assured me that I ( and my husband, whose name was also on the account ) would not have our credit scores affected, and yet Capital One continues to report that we are " past due '' for money we do n't owe ( that they agreed was stolen via identify theft in the first place ) ; they refuse to help correct our credit score. Capital One keeps " finding '' additional charges on our account when I call them to inquire why they keep billing us for a closed account with a $0.00 balance ; they refuse to send us anything in writing, so we have never seen the charges we are meant to dispute ; we also sent Capital One a registered letter under the Fair Credit Billing Act ( FCBA ) and by law they were required to reply in writing within 30 days ( they did n't ) and to cease attempting to collect money ( they have n't ). What began as a " simple '' theft of $15.00 has turned into a 4+ month nightmare of repeated calls, repeated billings for money we do n't owe, - perfect credit scores lowered without any of this being our fault, no apologies, and no end in sight.