It began when I tried to refinance my house and I had my credit report reviewed. What shows is Barclays Bank of DE with over 30 late charges all the way back to 6/09. When I called Barclays I was transferred 4X to various departments since no one could figure out who I should talk to. After 3 hours of fighting with various people I got frustrated and just gave Barclays my checking account information to pay the balance of $17 they claim I owe.
I spoke to the lender I am refinancing with and he told me I should call back immediately and revoke the payment of $17 since I obviously never had an account with them.
I called back that afternoon and I finally spoke to a manager who told me the account was opened on Jan. 12 and closed on Jan. 17 however the first late charge isn't until June. I never had an $11,000 revolving Mastercard with Barclays. She said there was a $17 balance. I told her don't you think if I knew that the balance was only $17 I would've paid this? Barclays never sent this to a collection agency and the manager admitted that this was a fraud account.
She told me to send a letter via Fax to their Fraud department and I should hear back from them via email within 3 days. Today is the 6th day and I haven't heard anything.
In the meantime, not only is the really affecting my credit but I can't refinance my house because of this issue. I still don't know how this happened and neither does Barclays Bank.
I hope this doesn't happen to anyone else.
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