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So I need assistance dealing with Capital One, opened an account in 2011 to help rebuild my credit score after post-college debt. I was approved for $300 and always paid it on time. After returning to the country in 2012 from deployment abroad, I started using the card and paying it with a joint account I held with my grandmother. Capital One flagged for account verification and potential fraud. After several attempts to verify my account and identity through email, fax, and telephone. I gave up with a $0 balance on the account and I didn't recieve anything for 2 years from them, hoping they had closed the account because they would not allow me to do anything with it, including close it. Then in April 2014 they began sending me emails that I had an annual fee that was 30 days in the rears and so I called attempting to pay and close the account again only to be told once again that it was flagged for fraud and there is nothing I can do until they get proper paperwork. Of course I attempted multiple times over the past 4 months to correct this error and close the account. I have sent in PDFs and JPEGs of my statements, copies of my DL, SS card, and Checks only to be told they needed something else or the they did not recieve the items. I have even went as far as to do a three way call with my grandmother and a supervisor. My bank has also faxed the information to them. Also note that I have sent each docs multiple times through the email link that they give to upload docs or have faxed them in. Now after spending 3 hrs on the phone today they have told me I have to physically walk into my bank with my grandmother (who lives 600miles away from me) and verify my account that way. After directing expletives with a case manager I hung up.... I am at the end of my rope with this company. Any help in dealing with this? i have disputed with experian, but should I take legal action since they are causing stress and dinging my credit score by charging money to an account they will not let me access and now saying it is 150 days late. Knocked my credit score down 100 pts.