Consumer complaint received 2024-04-20 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: ID

Complaint narrative:
I received a credit card from Barclays in the mail on XX/XX/2024. I did not open this credit card or authorize anyone to open this credit card. I immediately called Barclays and reported the fraudulent activity. They informed me that there was a balance on the card from a balance transfer from a XXXX XXXX credit card account. Barclays told me they would send the information to their fraud investigation department. During the next week, I filed an Identity Theft Report with the Federal Trade Commission. I contacted the 3 credit reporting bureaus and placed fraud alerts, froze my credit report, and filed disputes regarding the Barclays credit card. I then provided all of this information to Barclays through a fax on XX/XX/2024. On XX/XX/2024 I received a letter from Barclays stating that they did an investigation and determined that the account is being reported accurately. I then filed a police report on XX/XX/2024. On XX/XX/2024 I sent a letter to the Fraud Investigation Division appealing their decision and once again provided them with the Identity Theft Report and also the police report. On XX/XX/2024 I received three correspondences from Barclays : a statement ; a letter stating my " Account with Barclays is Delinquent '' ; and another letter stating " our records show that your AAdvantage Aviator XXXX XXXX XXXX Mastercard is three months past due ''. Are they ignoring my appeal? I consider these letters as harassment or bullying in order to get me to pay for this credit card. Furthermore, on XX/XX/2024 I requested a copy of my credit card application. I wanted to see what information was used to open this account. On XX/XX/XXXX, I received the information and this is what was provided to open the account : My first and last name, date of birth, address, monthly rent or mortgage stated as {$700.00} ; yearly income stated as {$110000.00} ; an email address that I have never seen or used ; and a home phone number which is actually my wife 's and not mine. The application requests mother 's maiden name ; employer name ; and own or rent. None of that information was provided. Barclays really allowed someone to open a credit card in may name with just that information??? And obviously Barclays did not look at the credit report that had to reviewed when accepting this application because they would have seen that we do not have a balance on our mortgage. It is {$0.00} NOT {$700.00} and that we do not have a XXXX XXXX credit card which should have been a red flag since the applicant was transferring the balance of XXXX XXXX card to this new credit card. Furthermore, did not verify the email address?? Or even ask for social security number or employer information. Maybe all of this is a scam within the departments of Barclays??? Barclays has NOT properly investigated this fraudulent report. They approved an application without verifying any information. They are at fault and are now harassing me!

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