Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am hoping you can assist me with a dire situation I have been encountering with Barclay 's Bank. Earlier this year, I filed a fraud claim against Barclay 's Bank because it is an account on my credit report which does not belong to me. There were several items on my credit report which did not belong to me such as addresses I have never lived at, some from XXXX, names that were not mine, some which were even a female 's name, and accounts which were clearly opened without my consent. 

When I submitted this fraud claim, I did so with a notarized affidavit and a police report. Barclays received this notice and sent me a response dated XX/XX/XXXX which states they can't approve the fraud claim because charges were supposedly authorized by me. Since I received this response from Barclay 's, I have continually disputed this account with the bureaus as well as Barclays. Up until XX/XX/XXXX, when my credit report was last updated by me, Barclays was still on the credit report as a charged-off account with a {$5500.00} balance. Because I can no longer wait for a correction or have my credit report and ability to obtain credit from future lenders jeopardized, I called Barclays today. 

Let me tell you that it was XXXX of the worst experiences I've had in years. The call lasted a total of XXXX XXXX and XXXX XXXX. I was transferred XXXX times each person claiming they would transfer me to the XXXX department or XXXX XXXX department, and no one did. I kept being transferred to a customer service department or some sort of specialty customer service department. I made it clear to everyone that I had already been on the phone with them for XXXX XXXX XXXX XXXX, XXXX XXXX etc. I finally told them that I would not wait any longer, be put on hold, or be left without any answers. After the XXXX mark, I spoke with a final representative who never game me her name. 

To cut this story short, she told me this account was closed due to fraud. I informed her that was great, but now I needed a notice in writing stating that it was closed due to fraud. The representative said she needed us to send in a letter first explaining that this was a fraud case. ARE YOU SERIOUS! The whole point of this call was to determine why they denied my fraud claim to begin with. Why would Barclays need another notice of me claiming this was fraud when they already had XXXX and they even responded to the fraud notice they received? I finally let the representative have it and told her no. I said she needed to tell me her name and position and that's when I was put on hold indefinitely without an answer. This is why I am now filing this complaint. 

Barclays knows this was fraud, they received my police report and affidavit claiming it was fraud, they responded to it claiming it wasn't fraud, they have ignored my disputes to the credit bureaus or claimed the information was accurate and verified. I then call them to have them send me some sort of proof that they have which collaborates that I authorized charges on a card I never opened, and I am met with every roadblock imaginable for the next XXXX  and XXXX XXXX. I then get told this account was closed due to fraud, but when I ask for proof of that as well, I am told I need to submit another notice that I am claiming it was fraud before they send me a notice saying it's been closed due to fraud... 

I have few other recourses left but to file this complaint or sue. If this doesn't work, then my final recourse will be to sue. All for an account Barclays knows it's fraud. Why do I even have to file this complaint against them? They need to send me a notice stating they are deleting this account due to fraud because that's what they claim they did. Otherwise, I can not believe them, and I'll be forced to file a lawsuit.

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