Consumer complaint received 2019-06-19
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have been a victim of credit card fraud which your bank allowed from XXXX of XXXX to XX/XX/XXXX 2 years to continuously happen and now XXXX XXXX XXXX has charged XXXX as of the last report from the credit bureau which I had to place an identity theft alert on my account. In all my years I have never been taken like this. My credit score dropped over 100 points from XXXX to XXXX I have always paid for EVERYTHING I put on a card or any bank Ive paid for it. XXXX XXXX XXXX used the card she stole from my house with my name on it to set up the online account and made herself the authorize user, using her own personal email, her cell number, and her own computer. I found out what was going on when Ms. XXXX maxed the card and in XX/XX/XXXX Is when I was told by your bank what was happening. I was told by your fraud department that I set the online account up, but I did not when I was asked to verify the online credentials I could not because I never set it up. Your fraud department had to copy ALL THE STATEMENTS BECAUSE I WAS UNAWARE AND I HAD BEEN TAKEN ADVANTAGE OF BY Ms. XXXX the account she set up was paperless, so I never received anything. Your fraud department said I gave her permission on the application to have a card, but when I ask them to send me a copy of my original application they said it was not available that the Cruise line had it and I sent the cruise a certified letter asking for this information they wrote me back and said your bank had the original and when they sent it to the Barclaycard Services they destroyed the information ( I have a copy of this statement ). I asked the fraud department to pull the phone conversation that in the beginning your bank said that it was phoned in to authorized Ms. XXXX XXXX XXXX to be a user on the account and thats when I was told that it was added on line, BUT YOUR BANK WILL NOT GIVE ME THE ONLINE INFORMATION BECAUSE I DIDNT SET IT UP. ON THE CARD ENDING IN ENDING IN XXXX WAS NEVER USED and THE CARD IN MS. XXXX NAME ENDING IN # XXXX she had both the cards she activated BOTH cards and began to use it. I have filed criminal report against MS XXXX ( see Police report and I will take this all the way to a legal court because I didnt make any of these charges as you can clearly see. I have an address for MS XXXX at work which my attorney located she has a job, she made the bills, she frauded your bank then she needs to be responsible not me. I never charged one thing on that account because if I would have, I would have paid for. Please reopen my fraud claim and take these charges against my name and my credit off and place Ms. XXXX pay you all back. She works for a state agency the Work Force Commission XXXX XXXX XXXX XXXX XXXX Tx XXXX. Im 60 years of age I cant afford to pay something back I did not do or authorize any one to do so. MsXXXX XXXX took advantage of me, stole from me and just because I allowed her in my home did not give her the right to take a credit card from my house set up online account assess and charge XXXX please deem this account fraud and close it out taking it off the credit report and place legal action on MS XXXX.

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 monetary relief