Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NM)

After a large-scale data breach, we had set up security alerts on our credit. On XX/XX/year>, I was alerted through this process that a JetBlue Credit Card had been taken out in my name through Barclay 's US of Delaware. We immediately called, confirmed and cancelled this card. We were told there were several travel charges, which I assumed would be therefore be cancelled. 

A few days later, we received a physical letter confirming the account was suspended along with information that my email could not be confirmed. A day or XXXX later, a physical copy of the Barclay 's JetBlue Card arrived, which I again confirmed was closed and pending investigation. I destroyed the card but retained its number for my records. 

On XX/XX/XXXX, however, I received a text message about a delay and Gate Change on an international flight out of XXXX. I was in at home thousands of miles away. I contacted JetBlue, and they were unable to provide a traveler who had been paid for under my name without a reservation number. I contacted Detectives with XXXX XXXX Police who confirmed no one was using flying under my name, they recommended contacting Jet Blue. This was XXXX weeks after the account was suspended. 

Then, on XX/XX/XXXX, another text arrived about a Gate Change on the return flight. I again attempted to contact Jet Blue, but again without an itinerary or ticket number, they could not provide a name. Nor would they connect me directly to their security office or cc me on an email to their security office.

An hour and a half after calling Jet Blue, with the Flight en route, they have not contacted me. I could provide them with outgoing and incoming Flight numbers, my number, and the card number on file, so they can check manifests and investigate, but they have not taken action. The Representative did suggest I contact Barclay 's. I did so, but they can not provide any names on the XXXX (! ) tickets purchased on the fraudulent account the day it opened, nor the itineraries. They could also not provide the email account associated with the application -- because there wasn't one! 

The XXXX XXXX XXXX had already explained that the traveler may also be a victim who had booked through a fraudulent travel agency, but it is ridiculous that neither JetBlue nor Barclay 's retains records of names paid for by third parties, that Barclay 's allows same-day charges on just-opened accounts without a card arriving or an email account, and that all charges ( and their flights ) were not immediately canceled While Barclay 's assures me that I am not liable " pending investigation '', consumers as a whole are impacted by allowing thousands of charges to go unreversed, and by not retaining records sufficient for law enforcement to investigate.

Given that literally billions of people are now compromised, the following immediate steps should be taken : 1 ) Jet Blue airlines should make available the names traveling under any other name 's account in cases such as this. 
2 ) Barclay 's US should not allow thousands in credit and XXXX separate transactions on the day a card is applied for with confirming via US mail that this credit was sought.

3 ) Barclay 's and/or JetBlue should retain records of all transactions under a specific card number. 

Again, I assume my diligence will result in me not being liable, but their shoddiness has in fact enabled the perpetrators of fraud, and cost me hours of my time while increasing costs to consumers through the inevitable write-offs and investigations their negligence has caused.