Credit card -- Getting a credit card -- Complaint #7737979
Complaint Overview
Complaint ID: 7737979
Company: Barclays Bank Delaware
Product: Credit card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: Illinois
ZIP Code: 61821
Date Received: 2023-10-21T12:00:00-05:00
Date Sent to Company: 2023-10-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My saga with Barclays has been ongoing since XXXX of this year ( XXXX ). It is now XX/XX/. In XXXX, someone used my personal information to fraudulently apply for and open an Old Navyist Rewards Credit Card, and then proceeded to make 3 in-store purchases between XX/XX/XXXX and XX/XX/XXXX for an amount close to {$1000.00}. I called Barclays, who I guess services the Old Navcyist credit cards, to report the fraud. They gave me no information at that time about what information they needed from me in order to prove that this was fraud ; they simply told me they would investigate. They investigated, and determined it was indeed me who opened the account and made the charges. So I filed a police report, reported the fraud to the credit bureaus, and provided this information through the mail to Barclays. Barclays claimed never to have received the information I mailed to them. So, I faxed it to them. I also sent them copies of time- and location-stamped digital photos showing that I was not in the locations where the purchases were made on XX/XX/XXXX and XXXX. I did not have location services turned on on my phone at that time, so I'm not sure how else I can prove that it was not me. They have once again denied my fraud claim and are preparing to send my account to collections. This is ridiculous and an insulting waste of my time. My credit history prior to this fraud shows a near-perfect record. I have never opened a rewards credit card of any sort, and though I have made purchases from Old Navy in the past, I have never made a retail clothing purchase for anywhere near the {$700.00} of one of the fraudulent charges that were made to the account. My credit was excellent for my entire adult life until this fraud, and I am outraged. I'm not sure what else I can do to prove that I am not responsible for this account. Hopefully this complaint will help.
Frequently Asked Questions
What is Complaint #7737979 about?
Complaint #7737979 was filed against Barclays Bank Delaware regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-10-21T12:00:00-05:00.
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 card) 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.