Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
WHAT HAPPENED I am a domestic-violence survivor whose Barclays credit card accounts were compromised as part of an identity theft and account-takeover event. My phone, XXXX, and email were accessed by my abuser, who intercepted my communications, impersonated me, and linked unauthorized devices and payment systems to my Barclays accounts. 

Because of this, my Barclays accounts were used without my authorization, fraudulent payment pathways were added, legitimate payments were reversed or misapplied, and my account information was manipulated. Barclays has not properly investigated this fraud under XXXX XXXX or corrected billing errors under Regulation Z. 

Despite YEARS of perfect payment history, Barclays is now calling me daily, imposing fees and interest I do not owe, threatening negative credit reporting, and reducing my credit limits all based on fraudulent activity and their own internal errors. 

I have won nearly every dispute for fraud, which confirms the identity theft, but Barclays still refuses to correct the account. 



DETAILED TIMELINE OF FRAUD AND ERRORS I. Perfect history before fraud I had years of flawless payment history, never missed a payment, never maxed out balances, and maintained strong account standing across all Barclays cards ( including XXXX ). 
No late fees, no return fees, and no delinquency occurred prior to the identity theft. 



XXXX. Domestic-violencerelated identity theft My abuser compromised my phone, XXXX, and email, giving them access to : Financial apps Two-factor authentication texts Password resets Digital wallets Account notices XXXX did not receive normal banking notifications because the abuser intercepted communications. 



XXXX. Unauthorized payment systems were added My Barclays accounts were linked to : XXXX payment/phone payment systems Merchant auto-pay systems Digital wallets Devices I do not own I have NEVER used phone-based or voice payment systems. 
These fraudulent systems caused unauthorized transactions, partial payments, and false reversals. 



IV. Fraudulent charges + misapplied payments Fraudulent transactions were made on my cards. 
Barclays opened disputes, and I won nearly every one, proving the fraud. 
But then : Payments I made were suddenly reversed Barclays labeled them returned payments My bank confirms NO payments were ever returned or rejected Barclays charged {$29.00} {$40.00} return-payment fees even though no ACH return occurred Barclays repeatedly blamed my bank, even though my bank has documentation proving they processed payments correctly V. Forced account closures due to fraud Barclays sent letters stating certain accounts ( including XXXX ) would be closed through 2025 due to fraud. 
Despite acknowledging fraud, Barclays still : Charged fees Applied interest Threatened negative reporting Continued collection efforts VI. I did NOT receive proper notices due to account takeover Because my phonXXXX/email were compromised, I did not receive : Payment notices Delinquency warnings Limit-reduction notices Dispute outcomes Returned-payment notifications Fraud alerts Barclays continued adverse actions without confirming whether communications were reaching me. 



XXXX. Improper interest on {$4400.00} promotional balance I have a 0 % promotional balance transfer of ~ {$4400.00}. 
Barclays charged interest despite the promotional terms stating no interest accrues unless terms are violated. 
I did NOT violate any terms. 
This is a billing error under Regulation Z. 



XXXX. Credit limits wrongfully reduced Barclays drastically lowered my credit limits despite : Proven fraud Payment history with no legitimate delinquencies Their own letters acknowledging fraud on the account These reductions damaged my credit utilization and score. 



XXXX. Daily harassment phone calls Barclays calls me every day, demanding payment on balances caused by fraud and misapplied payments. 
This violates collection rules because : The debt is in dispute Fraud is documented Barclays has not validated the returned payments they claim I am a documented DV survivor under extreme distress X. Threatened negative credit reporting Barclays is threatening to : Report missed payments Report returned payments Report delinquency Report charge-offs Even though : All delinquencies stem from fraud My payments WERE made Barclays reversed them without cause Barclays acknowledges identity theft Accounts were closed by Barclays due XXXX fraud, not behavior Barclays failed XXXX investigate according to law This would violate FCRA XXXX XXXX a ) ( XXXX ) ( A ). 



LEGAL VIOLATIONS Barclays actions violate multiple federal laws : XXXX. Regulation XXXX ( Electronic Fund Transfers Act ) Unauthorized payment systems were linked No proper investigation No written findings No provisional credits XXXX. Regulation Z ( Fair Credit Billing Act ) Improper interest on promo balance Mishandled billing errors Misapplied payments Incorrect late and return fees XXXX. Fair Credit Reporting Act ( FCRA ) Threatening inaccurate reporting Furnishing information Barclays knows is false and from transition where my credit is fully locked down. 
Failing to investigate disputes

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