Consumer complaint received 2023-04-19
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Please note this is a NEW dispute. I previously filed a complaint about AAdvantage 's wrongly charging me for a fraudulent charge of over {$4000.00}. They are now retaliating against me for filing the earlier complaint with CFPB, and are putting a NEW fraudulent charge of a different amount, {$1000.00} on my account. I need your help again with this NEW, and different charge.

This {$1000.00} is a fraudulent charge that I notified them of promptly, a day or two after the XX/XX/XXXX post date, when I first went onto my account after it was posted. They said months ago they agreed the charge was fraudulent and took it off my account. 

Now, after I filed a complaint with you as to a previous charge of $ XXXX, they are putting the {$10000.00} charge back on. In their XX/XX/XXXX letter notifying me that I allegedly owe then {$1000.00}, they state : 1 ) they have conducted a valid investigation - but dont provide any documentation of that, 2 ) they have " determined '' the charge is valid - without any explanation as to why, and 3 ) claim the merchant company provided " documentation '' - without disclosing what the documentation is or providing copies. I called their fraud team department to request they provide these documents promptly via fax or email ; they refused. 
The XX/XX/XXXX {$1000.00} charge is fraudulent, which I notified them of promptly. AAdvantage Mastercard assures you on their that you can use your card with confidence because youre protected against fraud if you report it. I did that. Theyre still trying to bully and intimidate me into paying them something I dont owe. 
When I called the fraud team to ask that documentation be emailed or faxed to me ( which they refused ), they told me to work it out with XXXX XXXX. When I reported the fraud to XXXX XXXX, they told me to work it out with my credit card company. Neither company has provided a shred of evidence for the money they claim I owe. 

I would also ask that CFPB look into the question of whether US Barclays AAdvantage Mastercard is incentivizing fraud team employees to send out fraudulent and unsupported demands for payment by offering rewards or bonuses for employees ( or the team as a whole ) for amounts they recoup through the sending of these letters. The complete lack of documentation, and the nonsensical nature of the reasons given, raises the question of whether there is a business practice on the part of US Barclays AAdvantage Mastercard to send out these letters wholesale, to get money out of the card holders who at some point give up and pay even when they dont owe anything, just to stop the harassment. 

BTW, I am a US XXXX XXXXr, having received this honor from President Jimmy Carter in a Rose Garden ceremony in XXXX. I was appointed to the Pennsylvania XXXX XXXX to the XXXX on XXXX and have advised members of the Pennsylvania legislature on bills in my area of legal practice, employment discrimination, and harassment. I served as a settlement judge for the Equal Employment Opportunity Commission. 

In XXXX I was subjected to XXXX XXXX discriminating against me while I was trying to obtain a mortgage. Attached is my XXXX XXXX XXXXXXXX article about that. After this article, XXXX XXXX changed their practice nationwide to stop doing what they did to me. 

I do not accept financial abuse from large corporations. Please stop AAdvantage from continuing to abuse and retaliate against me for fighting their extortion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation