Barclays Bank of Delaware Never had a mastercard and 30 late charges on credit report. Account open for only 3 days. Fraud account!! Internet

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, 2007 and closed on Jan. 17, 2007 however the first late charge isn't until June 2009.  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.