Consumer complaint received 2025-11-01 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: NJ

Complaint narrative:
In XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Barclays Bank regarding a Barclay XXXX XXXX credit card account that was opened under my name. 

The letter requested that I submit identification documents such as a photo ID, Social Security card, and a utility bill to verify my identity for a credit card application. 
However, I never applied for nor used this credit card. Upon receiving the letter, I immediately contacted Barclays by phone to report that my identity had been stolen. 
After reporting the theft, I did not provide any of the requested documents to Barclays. 

Despite this, when I later reviewed my personal credit report, I found that transactions and usage were occurring on the Barclay credit card account.

I made multiple phone calls and mailed letters to Barclays requesting that the account be immediately frozen and the fraudulent activity stopped. 
However, Barclays failed to take any clear action or provide confirmation that the account had been suspended, and during that time, the credit card balance continued to increase. 

Subsequently, I received a formal collection notice from a Collection Agency, dated XX/XX/XXXX, concerning the same account. 
At that point, I realized the seriousness of the situation and sent a formal letter to Barclays demanding an immediate investigation, correction of my credit record, and closure of the fraudulent account. 

However, Barclays later completed an internal investigation and incorrectly concluded that the account activity was conducted by me or by an authorized user. 
Based on that decision, Barclays appears to have charged off the account and transferred it to a collection agency.

As a result, negative credit entries ( Charge-off and Collection ) related to this fraudulent account have appeared on my credit reports with XXXX XXXX XXXX XXXX, causing a significant decline in my credit score.

I have filed two separate Police Reports regarding this matter : ( 1 ) The first report covered multiple identity theft incidents that occurred at the same time.

( 2 ) The second report was filed later specifically for the unresolved Barclays case, after the other cases were closed.

In addition, I have filed an ( 3 ) FTC Identity Theft Report through IdentityTheft.gov, officially reporting the same incident to a federal agency.

These reports serve as official government-issued documentation showing that I have formally reported identity theft.

I have submitted all reports to Barclays and the three credit bureaus, but Barclays and three credit bureaus continues to maintain its position that there is no change to the results of their internal investigation. 

Due to Barclays improper handling and lack of corrective action, my credit history remains inaccurate, and the fraudulent account has been improperly forwarded to a collection agency, resulting in ongoing harm. 

I respectfully request that the CFPB conduct a formal investigation, require Barclays to remove the fraudulent account, and ensure that all related negative credit entries are deleted and my credit record fully restored.

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