Consumer complaint received 2022-02-23
Company: BARCLAYS BANK DELAWARE
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phonecall on XXXX from a collection Agency alleged that I oye a bank money from a card that I didn't know even existen. When I call them they give me XXXX different scenarios from Barclay bank. 
XXXX. That I was the only person in the account XXXX. That I was the principal and that my ex partner was authorised XXXX. That he was then principal and tas he went in bankrupcy I had to pay. 

I contacted several times the bank to find out what really happened and all they give me are XXXX different scenarios. 
Also told me once I wasn't RESPONSIBLE for this at all and that this was a fraud made by someone else. 

I didn't know about this card and didn't nade any charges. 

The cards statements and all where sended to a PO ox not related to me but to my ex partner and his wife. 
My ex partner we where separated 12 years ago I never asked or authorise no one to use or received ever a credit card from this bank Barclay 's sended cards and statements when this account was already canceled by me.. also send cards and renovations .... someone call them and even changed the adressnon file as the adress they give me wasn't mine The account I don't even have a number for ... all I know is my info is there associated. 

I receive the first letter from the. On XX/XX/XXXX stating that I will need to pay .. and that I'm responsible for something I didn't authorise. 

How they investigate in a day as I oppened the fraud claim the same day the letter is endorsed... they should've investigated the adress and also the bank account who was making all the payment for all those years .. that credit card was used by the person who used it as if it was his hers .... 

The charges where not mine also Someone ese who I didn't authorise use this and also payed the credit card .. not me The unauthorized person is XXXX XXXX XXXX XXXX my ex partner and his phone number is XXXX XXXX XXXX he was using without my consent this cc and also I wasn't aware even of the existence of this credit card. 

I file a fraude claim and they told me that they conclude that I was RESPONSIBLE and the charges where made by me or someone who had the AUTHORITY to made the charges. This is not true. 

I have never had a credit card with this bank ever .. also the adress on file that they where giving the supposed credit card wasn't mine I found this was my ex partner adress.. 

How did this person or bank has and credit card using for over 12 years without consent .... 

They send me this first ever letter on XX/XX/XXXX ... to the adress I have been living for the past 12 years with my actual husband. This is the first time this bank ever write to me or contact me. 

Please help me as this situation is horrible and I'm not going to pay for something I have not use that is not mine and the bank is the only one RESPONSIBLE for all this. If you see all my accounts are and has always be in good standing ... payed on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX Bank Barclay 's Phone pf investigation dept XXXX XXXX XXXX Credit supposed to be since XXXX until now and the amount is XXXX, XXXX dollars

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