Consumer complaint received 2021-05-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to you in regards to a fraudulent account that was opened in my name. I This account was marked as fraudulent, but the investigation was concluded based upon a single data point that I would like to clarify and contest. The account in question ends in the 4 digits XXXX. I would like to reinstate this investigation and re-review the evidence considered in this fraudulent investigation. 

Based on the information provided by Barclay representatives, the investigation on the fradulent account was concluded since there was a payment of {$200.00} on the statement balance associated with XX/XX/20 and was applied to the outstanding fraudulent amount as of XX/XX/20. This payment was made from my personal XXXX XXXX  checking account, partially by mistake, and I believe this was the initial aim of the fraudulent offender, that being to open an account with my information, hoping that I would pay it. However, this was the only payment I made, but this should not invalidate the other evidence pointing to this being a fraudulent account. 

The current email on the account, which I have requested not be changed to my personal email in the interest of maintaining evidence, is likely to be XXXX, however this can not be confirmed with my Barclay representatives. This same email was also connected to a fraudulent account on a different credit card with a separate company, which ended up being closed as the result of a competent investigation. 

All of the purchases on this account are suspicious in regards to the locations associated with their purchases. On the statement period of XX/XX/20-XX/XX/20, there are several purchases that are abnormal, given that my address at this time of these purchases were quite far from their location of purchase. For example, there were purchases spaced 1 day apart, from XXXX XXXX, to XXXX, to XXXX, all cities seemingly adjacent in California, but far enough away from each to justify fraudulent behavior, but with minor-enough purchases to potentially bypass suspicious behavior as automatically recgonized. However, I can attest that I have not and do not live in, near or purchase items in any of the cities or from the vendors listed. 

In addition, the charges on the account clearly reflect fraudulent behavior. On the dates spanning XX/XX/2020, as reflected on the statement period for XX/XX/20-XX/XX/20, six separate purchases for XXXX XXXX  Gift Card at {$50.00} each ( totalling {$300.00} ) reflects fraudulent behavior, as the sequential purchase of multiple, lower quantity gift cards is suspicious, however there were no suspicious alerts. In addition, I do not and have not possessed any XXXX devices, and therefore the purchase of XXXX gift cards is evidence of fradulent behavior. 

Given the evidence provided, I would request that the investigations for this fradulent account be re-opened, and that the evidence I have provided will be considered in favor of considering this account fraudulent, and in turn, closing the account so that no collections are paid. Interest and fees continue to acculmute, and I should not be responsible for any payments given the evidence presented. 

I have included the referenced statements as hard copies for confirmation, and I appreciate your time and efforts to evaluate and close this fraudulent account.

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