Product: Credit card or prepaid card

The below letter to Barclays explains my situation. In addition to being scammed, I am now being asked by Barclays to reimburse them for funds that should never have been accepted by them if they conducted proper due diligence. It is scary to know that one only has to present any bank account number and routing number to a credit card company and they will proceed to take funds from that account without proper safety checks. Even more scary is the fact that one 's banking info is essentially public, as it appears on every check. 

XX/XX/2022 Barclays XXXX XXXX XXXX XXXX, DE XXXX Dear Sirs, Re : JETBLUE REWARDS XXXX XXXX # XXXX XXXX XXXX XXXX I refer to your letter dated XX/XX/2022, on the above subject, advising me that A recent payment on XXXX JetBlue XXXX XXXX account has been returned by your bank for Identity of Authorized User. As a result, we have removed this external bank account information from our system and the payment has been reversed. 
Needless to say, your decision is quite puzzling and seems to be high-handed under the circumstances. Consequently, allow me to add some context to this unsettling matter. 
On XXXX, 2022, I started working with XXXXl XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX, as a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In order to purchase products, XXXX provided their banking info ( Checking Account ; Account # XXXX ; Routing # XXXX ; Account Nickname : XXXX XXXX XXXX ) ) with XXXX XXXX XXXX and instructed that I use this bank account to put funds into my JetBlue credit card. The following payments were made to the card : XXXX XXXX, 2022 : {$20000.00} XXXX XXXX, 2022 : XXXX TOTAL : {$40000.00} Barclays immediately confirmed that the funds were received and credited the card accordingly. No mention was made by Barclays at the time that the source of the funds was questionable. 
Using these funds, purchases were then made from XXXX XXXX and XXXX, and the goods were subsequently shipped out to XXXX XXXX as per XXXX instructions. XXXX unexpectedly ceased operations around XXXX XXXX, 2022. 
XXXX my surprise when, by your letter dated XXXX XXXX, 2022, almost XXXX ( XXXX ) months after the first transaction on XXXX XXXX, 2022, you are now advising that the payments of {$40000.00} made into the card account in early XXXX were now being reversed because my name was not listed as an authorized user on the XXXX XXXX account this was the reason given to me by your Customer Service when I called after receiving your letter. 
Why did you not alert me immediately of this fact on XXXX, 2022? If you did, then this situation would not have arisen. 
Your decision to hold me liable for repayment of the {$40000.00} is ludicrous, as Barclays failed in its responsibility to protect the cardholder by not performing due diligence on the source of funds in a timely manner. Barclays actions, or lack thereof, constitute a breach of fiduciary duty. 
Every check written has the accountholders bank account number and routing number printed on the check. Hence it is safe to say that this information is in the public domain. Knowing this fact, why would Barclays simply accept anyones account number and routing number alone as a payment source, without conducting proper due diligence to verify that the accountholder and cardholder are XXXX and the same, and is in fact making the payment? This due diligence should be immediate. Yet it took Barclays XXXX ( 2  ) MONTHS to determine that the cardholders name ( my name ) was not on the XXXX XXXX XXXX account being used! 
Please be aware that I have reported XXXX as purporting a scam, to the following agencies : Florida Attorney General Federal Trade Commission XXXX XXXX XXXX XXXX ( XXXX ) Notwithstanding XXXX purported scam, I hold Barclays to be complicit in this matter as they failed to adequately protect the cardholder from this scam. 
I trust that common sense will prevail in this matter, and you will see it prudent to remove the {$40000.00} from my account. 
PLEASE BE GUIDED ACCORDINGLY. 
Cc : XXXX XXXX Barclay 's latest response below : Response Customer care via XXXX XXXX pm Hi XXXX XXXX XXXX Thank you for contacting us about your JetBlue Rewards Card XXXX 

We understand your concern and apologize if your received anything less than exceptional service. We see that the payment on the account for XX/XX/2022 and XX/XX/2022 has been returned. We can not determine the nature of a payment information until it has cleared or not cleared an an account and that can take anywhere from XXXX days on larger payments. The XXXX XXXX where the deposit for Barclays payments was made are the ones who rejected and the payment due to the fact you are not a authorized user on the account. We do apologize for the inconvenience and hope we have clarified the situation. 

Barclays is required to report account history accurately. We update your credit report monthly, and it XXXX take 30 days for the credit bureaus to update their records. Accounts are not reported to the credit bureaus as past due until they are 60 days past the statement cycle date and greater than 30 days past the statement due date. At that time, accounts are reported as a XXXX delinquency. 

If you feel that any of the Barclays account information that is reporting on your credit bureau report is incorrect, please send a written dispute to the following address or submit a dispute directly with the XXXX XXXX XXXX : Barclays Dispute Address : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX, DE XXXX