Product: Credit card

CFPB Complaint Against Barclays, XXXX XXXX XXXX, XXXX XXXX and XXXX Date : XX/XX/XXXX Complainant : XXXX XXXX Primary Company Complained About : Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Secondary Companies Involved : XXXX XXXX XXXX [ Address Unknown Merchant via XXXX XXXX XXXX XXXX [ Address Unknown Merchant via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Refund of {$4500.00} from XXXX XXXX XXXX and {$4000.00} from XXXX XXXX, Removal of Charges from Barclays Account, and Maximum Legal Remedies for Fraud, CFPA, and EFTA Violations Complaint Details : What Happened On XX/XX/XXXX - XXXX XXXX, I was fraudulently charged {$4500.00} by XXXX XXXXXXXX Consultants and {$4000.00} by XXXX XXXXs via my Barclays credit card XXXX, brand : for solar services I never authorized or received. These charges were processed through XXXX a payment processor, and appeared on my Barclays statement in. I immediately disputed these charges with Barclays, but they failed to conduct a reasonable investigation, deferring entirely to the merchants despite clear evidence of fraud, including my FTC Identity Theft Report XXXX XXXXXXXX and the lack of any signed contract or proof of service. I also contacted XXXX on XX/XX/XXXX, to report the fraudulent activity ( Email ID : XX/XX/XXXX ). XXXX response, via XXXX, acknowledged the issue and promised an investigation but stated they could not share the outcome due to privacy concerns, leaving me without resolution ( Email ID : XX/XX/XXXX ). XXXX advised me to file another dispute with Barclays, which I did, but Barclays again refused to refund the charges, claiming the merchants provided sufficient evidenceevidence I was never shown and which contradicts my identity theft claim. This mirrors systemic issues in the solar industry, as highlighted by the XXXX XX/XX/XXXX, report on XXXX XXXX misleading consumers and cramming markup fees into loans. Barclays failure to investigate violates the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Act ( CFPA ), while XXXX XXXX XXXX and XXXX XXXX engaged in deceptive practices under the CFPA. XXXX inadequate response further enabled this fraud, contributing to my financial harm of {$8500.00} and emotional distress. Specific Violations by Barclays EFTA 908 Failure to Investigate Unauthorized Transactions : Barclays failed to conduct a reasonable investigation into my dispute, deferring to XXXX XXXX XXXX and XXXX XXXX  without verifying their claims or considering my FTC Identity Theft Report. Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks must investigate unauthorized transactions thoroughly. XXXX XXXX Unfair Practices : Barclays refusal to refund fraudulent charges is an unfair practice, causing substantial injury ( {$8500.00} ) that I could not reasonably avoid. This mirrors the CFPBs findings against solar lenders for misleading consumers. Case Law : CFPB XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Unfair practices under XXXX warrant penalties. Negligence in XXXX XXXX : Barclays failed to detect or prevent fraudulent charges, despite known risks in the solar industry, as noted in the CFPBs solar fraud advisories. Specific Violations by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Deceptive Practices : Both companies charged me for services I never authorized or received, a practice the CFPB has identified as common in the solar industry ( e.g., misleading consumers about terms and savings ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ) Solar companies must not engage in deceptive practices. FDCPA 1692e False Representations : By claiming I authorized these charges without proof, these companies misrepresented their legal standing to collect. Case Law : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Collectors must prove standing. Specific Violations by XXXX CFPA 1036 Unfair Practices XXXX XXXX  failure to resolve my fraud complaint and its refusal to share investigation outcomes left me unable to recover my funds, contributing to my {$8500.00} loss ( Email ID : XX/XX/XXXX ). Case Law : CFPB XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Negligence in Fraud Prevention : Stripes response mirrors the inadequate fraud protections seen in the XXXX XX/XX/XXXX, action against XXXX XXXX XXXX XXXX  ), where weak security protocols led to a {$170.00} XXXX penalty. Connection to CFPB Lawsuits Against CRAs The CRAs ( XXXX, XXXX, XXXX ) are not directly involved in this transaction, but their systemic failures to investigate disputes, as highlighted in the CFPBs lawsuits against XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), reflect a broader pattern of negligence in the financial industry [ XXXX XXXX XXXX XXXXXXXX ]. Barclays and XXXX exhibit similar negligence by failing to investigate my fraud claims, suggesting a systemic issue that the CFPB should address through this complaint.