Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7128821
Complaint Overview
Complaint ID: 7128821
Company: Barclays Bank Delaware
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: California
ZIP Code: 940XX
Date Received: 2023-06-16T12:00:00-05:00
Date Sent to Company: 2023-06-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My banana republic credit card issued by XXXX XXXX in XXXX had a one-time balance of XXXX $ which I cleared immediately and never used that card again afterward. In mid of XXXX, the company managing the banana republic card was changed from XXXXXXXX XXXX to Barclays Bank upon which the card I had was obsolete. The identity thief seems to have authorized the issue of the new banana republic card from Barclays Bank under an incorrect mailing address, email address, and phone number without my knowledge and started using the card from XX/XX/XXXX. I saw this delinquent account on my credit report and reported the issue to Barclays fraud investigations around XX/XX/XXXX and they still haven't resolved this issue as of XX/XX/XXXX even after I called them repeatedly every month. They also reopened the investigation in XX/XX/XXXX after their initial wrong findings but its already been almost a year and its badly affecting my credit score and auto loan applications & others. I need this identity theft and my credit report fixed asap. I also see one wrong address and a phone number on my credit reports which I am disputing as well. I hope Barclays fixes this credit reporting issue without further delays and has consequences for mishandling and causing issues in my life for about a year now.
Frequently Asked Questions
What is Complaint #7128821 about?
Complaint #7128821 was filed against Barclays Bank Delaware regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-06-16T12:00:00-05:00.
How did Barclays Bank Delaware respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Barclays Bank Delaware?
Yes, visit the Barclays Bank Delaware company profile at readthecomplaint.com/company/barclays-bank-delaware to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.