Consumer complaint received 2025-04-30 00:00:00
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
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a text notification from Barclays US welcoming me to my new account. I never authorized this account. I immediately called Barclays and requested that the account be closed, as it was opened fraudulently, as a result of Identity theft, and I never authorized it or the {$620.00} transaction that was made the same day the card account was opened. I also immediately placed credit freezes with the 3 major credit bureaus, placed fraud alerts with all 3 bureaus, filed a report at identitytheft.gov, and later that week, filed a police report with my local police deparment. 

I received a letter dated XX/XX/XXXX, informing me that the account was closed due to suspicious activity and I would receive the results of the investigation. 

I received a second letter from Barclays US dated XX/XX/XXXX, informing me that the investigation was completed and their research indicated the account is valid. The fraud status was removed, and monthly statements would resume at the current balance of {$620.00}. I was never once contacted for additional information during the investigation process. 

I placed several calls to Barclays Fraud Investigations department on XX/XX/XXXX and XX/XX/XXXX, reasserting my fraud claim. I was told that further investigation would take 30 days and during that time I could submit documentation supporting my case. I have been in the process of obtaining all documentation in order to send it to Barclays, and had planned to send it this week. 

On Monday, XX/XX/XXXX, I received a credit card statement for the account in question, statement period XX/XX/XXXX through XX/XX/XXXX, with a singular transaction of {$620.00}, transaction date of XX/XX/XXXX, with the description " XXXX XXXX XXXX XXXX XXXX TX. '' This description is in reference to the XXXX  XXXX at the address of XXXX XXXX, XXXX XXXX, TX XXXX, located in the XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX, TX, let alone this XXXX XXXX store. I also have video evidence from my XXXX  doorbell camera that on the date of XX/XX/XXXX, I was captured on camera in XXXX XXXX, Pennsylvania at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX on the morning of XX/XX/XXXX. I will provide timestamped screenshots of our XXXX app, and can provide the videos upon request. Given that a drive from my home to XXXX XXXX takes approximately 45 minutes, flight from XXXX to XXXX takes XXXX hours, and a XXXX XXXX XXXX from XXXX to XXXX XXXX, even if I wanted to take the asinine trip to open a credit card that I could have opened at my local store, it would be physically impossible for me to arrive within the open hours of the store ( XXXX to XXXX ), and return to my home in Pennsylvania, all while somehow avoiding my Ring doorbell camera. 

Today, 15 days after the initial reassertion call, I received a letter stating that a detailed review of my claim has been completed, and the transactions I identified are not fraudulent. The account remains open. 

I am now preparing letters to send to each of the credit bureaus to block any transactions or accounts related to the Barclays Navyist Rewards Mastercard being added to my credit reports, as well as Barclays themselves requesting ( again, in writing ), that they close the account and deem all charges on the account fraudulent. I am also sending a second letter to Barclays requesting all documentation related to the account and transaction.

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