Consumer complaint received 2019-09-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I got a bill statement by mail from Barclaycard Visa with XXXX Rewards Statement with the total amount of XXXX which I never created or opened this credit card account with Barclaycard Visa. 

In the statement, it shows there are three transactions were made as below without my knowledge. 
XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX On the same date I got the bill statement, I called Barclaycard at XXXX to inform them that I did not open this account, and this is a fraud. Someone has used my identity to open this account and made purchases without my knowledge. I also reported this fraud to XXXX, XXXX, and XXXX to freeze my identity. 

On XX/XX/XXXX, I got the letter from Barclaycard that they closed the account, and the dispute is pending. 

On XX/XX/XXXX, I got the letter from Barclaycard that they completed the investigation, the fraud status is removed, and the account is reported to the credit bureaus is valid. I also called to inform them that I disagreed with the letter and requested them to do further investigation. 

On XX/XX/XXXX, I reported this fraud to the XXXX XXXX Police. 

On XX/XX/XXXX, I wrote and faxed the letter to Barclays to inform them that this a fraud and requested them to investigate it further. I continue to get the bill statement from Barclays with the above amount. 

On XX/XX/XXXX, I wrote and faxed the second letter to Barclays to escalate this investigation since I'm a victim of the identity theft. I requested them to send me the copy of the credit card application and the ID of the person who used my identity to open the above account. 

On XX/XX/XXXX, I got the letter from The Law Office of XXXX and XXXX who represents Barclays Bank Delaware to collect this amount XXXX from me. I called XXXX and XXXX law office at XXXX to inform them that I'm a victim. They requested me to fill out the " Identify Theft Victim 's Complaint and Affidavit '' and return to them with police report and my identification. 

On XX/XX/XXXX, I faxed The Law Office of XXXX and XXXX the followings : - Identify Theft Victim 's Complaint and Affidavit - Copy of my driver license - The police report - My utility bill to show my proof of residency. 

On XX/XX/XXXX, I got another letter from The Law Office of XXXX and XXXX informing me that they're in the process of preparing a lawsuit against me. 

On XX/XX/XXXX, I wrote the letter and faxed the below to both Barclays and The Law Office of XXXX and XXXX to restate that I'm a victim of identify theft and requested them to take further investigate to remove the account from my credit line and stop collection activities against me. 
- Identify Theft Report - Police Report - Notice to Furnishers of Information - Proof of Identity ( copy of my driver license ) - Credit report with disputed information indicated On XX/XX/XXXX, I got the letter from Barclays that they have reviewed the disputed information that we have provided and completed their investigation, and the account being reported is accurately. 

Up till now, I still have not received any information that I have requested : Account application made on paper or online, photo ID and signature that are used to open the account, and investigator report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation