Consumer complaint received 2019-11-26
Company: BARCLAYS BANK DELAWARE
State: MD
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:
My husband and myself ( XXXX and XXXX XXXX ) booked a XXXX XXXX XXXX ( " XXXX  '' ) XXXX cruise  for XX/XX/XXXX through XXXX XXXX XXXX on XX/XX/XXXX with my Barclay Credit Card. Our statement shows a cruise with XXXX Reservation for {$2400.00} had been purchased on XX/XX/XXXX. On XX/XX/XXXX, after being told that XXXX cancelled all the cruises booked by XXXX XXXX XXXX - owner XXXX XXXX - because of credit card fraud, we disputed the charges. After talking to XXXX and being told that what happened was fraud, we called and told Barclay that the dispute should be changed to fraud. I also reported the incident with the FBI, as instructed by XXXX. We were told by Barclay that because I gave XXXX XXXX XXXX permission to use my card it would only be a dispute. I disagreed. They would not change it to fraud. I did not authorize her to make any other purchase but the XX/XX/XXXX cruise with XXXX for me and my husband, as the signed contract stated. On XX/XX/XXXX, I spoke to Barclay 's for an update and was asked to supply further information such as a contract or anything else that I had regarding this situation. I provided to Barclay dispute department the contract, the credit card statement, the email from XXXX stating there was fraudulent charges, the invoice showing that my reservation number, etc. I explained to Barclay that XXXX XXXX took my credit card and booked a Hawaiian trip for her family in XX/XX/XXXX and that XXXX would not refund because it was a past cruise, but that XXXX stated it was fraud and for me to contact both my credit card company and the FBI regarding the fraudulent charges. I was told they were still reviewing the information and would have a decision shortly. On XX/XX/XXXX, I received a letter from Barclay stating that they had recharged our card for the {$2400.00} because XXXX said services were rendered. In that letter there was an attachment from an XX/XX/XXXX cruise for XXXX and XXXX XXXX - owners of XXXX XXXX XXXX using several credit cards, including my unauthorized card for {$2400.00}. On XX/XX/XXXX, I called Barclay and explained what happened to me was fraudulent. I signed a contract for a specific product, and I did not receive the product. She was not given permission to use my card for any other cruise then the one I signed the contract for - the XX/XX/XXXX XXXX cruise for me and my husband. She used the credit card for her family to go to Hawaii. It shouldn't be viewed as anything more than fraud. I should not have to pay for this product that I never received. Credit card fraud is when someone uses your credit card or credit account to make a purchase you didn't authorize. I did not authorize Ms. XXXX to purchase a XXXX cruise for XX/XX/XXXX. I was basically told that I could dispute this again, but the outcome would be the same. I was told it wasnt fraud. 

I am not the only person who was scammed by XXXX and XXXX XXXX. Some credit card companies took those charges off for the consumer because the viewed it as fraud. My sister is one of those parties who had the charge wiped off her card and does not have to pay for a cruise for someone else. 

I want this viewed as fraud and I do not want to have to pay for a charge that I did not authorize.

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