<prompt> Human: So I figured to come to you guys for help, maybe somebody knows more than me or Google with helping me out. So over the past week Ive gotten two letters from Capital One about a supposed 360 checking account that Ive opened. I chalked this off as being a scammer trying to get me to call and get my information and ignored the letter. I figured it was a scam because the zip code was wrong and my address wasnt filled in all the way. Also the envelope wasnt sealed all the way. sending red flags. A few days later I get another letter, this one has the debit card and the whole how to set up your card process. Now Im not sure if someone has stolen my identity or what. Ive place a fraud alert on my credit reports; Ive gone over them to see if there is anything dealing with Capital One, and there was a request on my report on 1028. Did I do the right thing? Is this fraud or elaborate scam?tl:dr; Got letters claiming I had an account then get a letter with an actual debit card. Placed a fraud alert on credit report. Not sure if fraud or scam.  <response>: Why dont you call Capital One and ask them if an account was opened in your name? 