Consumer complaint received 2023-03-14
Company: BARCLAYS BANK DELAWARE
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The issue is clearly laid out in the communication below, to Barclay 's, the bank in question. This, and the supporting documents ( enclosed ) were sent as a last resort in a certified letter on XX/XX/XXXX, return receipt requested. I do have proof of said delivery ( also in the attached documents ) yet nobody has reached out to resolve this. Here is the sequence of events as laid out to Barclays ( for the seventh time )... 

******************************************************* XX/XX/XXXX Per accounts ending in XXXX, XXXX, and XXXX To Whom it May Concern, This is my final attempt to resolve an issue for which Ive now clocked over a dozen hours over the last year and spoken with your resolution team at least five times. 

In each case, I was assured by the agent with whom I spoke that the issue was understood to be an error on your part, and that a correction would be made both to my account and to my credit score, which youve been damaging over the last year. 

Here is the history of this issue, laid out as clearly as I have done with several of your agents, all of whom promised to resolve it, though followed by the same form letter Ive received from you after each attempt at resolution ; see attached. 

XX/XX/XXXX : I became aware that someone had opened an account in my name, ending in XXXX. This card was not opened by me, and there were no valid charges to it. Your investigators acknowledged my lack of culpability in letters dated XX/XX/XXXX and XX/XX/XXXX ; see enclosed. 

XX/XX/XXXX : The identity thief, becoming aware of the investigation, opened another account in my name ending in XXXX. None of the data used for that card was accurate, as the perpetrator claimed the new card was because of fraud, and you issued them that card with billing to another address, email, etc not mine. 

XXXX XXXX : After becoming aware of damage to my credit history, I contacted your company four more times, and in each case was told that the balance on XXXX represented late fees and penalties carried over from the previous fraudulent account, XXXX, which you closed after investigation, and relieved me of responsibility for any charges. Therefore, all the charges on XXXX should have likewise been erased from my history, yet you continued to : 1. Bill me monthly ( although I was unaware of this as the bills went to a different address ) XXXX. Hold me responsible for fees associated with fraudulent activity on the previous card XXXX. Report me to the credit bureau Ive enclosed a couple of the letters, all identical, in which you ignore the verbal resolution I got from your customer service team and continue to justify your position that the information is accurate. 

These are clearly form letters which speak to your not taking our communication seriously. 

XX/XX/XXXX : I receive my first statement in a year for an AA Advantage card ending in XXXX. I never had a card with that number, and in reading the statement, its clear that youve been deducting charges from its balance for well over a year. I can only surmise that this card is yet another incarnation of the original one, with all its charges being associated with purchases I never made. This statement is enclosed, and again, its not mine. 

What needs to happen now : XXXX. I need a retraction to your 5+ form letters ignoring verbal resolutions from your staff XXXX. I need proof that youve reported your error to XXXX and repaired my credit XXXX. I need an apology for the stress and time youve cost me over the last nine months. 

What happens if this isnt resolved in the next 30 days : XXXX. I will be in touch with Consumer Financial Protection Bureau to file a formal complaint. 
XXXX. I will speak with my attorney about possible civil litigation against your bank. 

I trust that my frustration as well as my intention to get satisfaction have now been clearly communicated. I await your timely reply and the final resolution of this remarkably mismanaged issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX ****************************************************** Again, I've had no response to this letter sent over a week ago along with the enclosed documents. 
*The last enclosed document is a screenshot of one page from my XXXX XXXXXXXX XXXX history. I've had about ten of these, all initiated by Barclays against this erroneous account issue.

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