Consumer complaint received 2023-10-01
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit 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:
Fraudulent charges that were made on my Barclays Frontier Credit Card on XX/XX/XXXXXXXX XXXX XXXX XXXX. Numerous times, I have spoken with customer service, the fraud department, and left messages with XXXX in the office of the president to no avail. If you look at all the information I've shared, there is absolutely no possible way my mom or I could have made any charges in New York after XXXX XXXX XXXX XXXXXX/XX/XXXX. 
My name is XXXX XXXX XXXX. My mom, who is my legal XXXX XXXX is XXXX XXXX. Due to my XXXX, I have very little XXXX XXXX. As my XXXX XXXX, a judge has given my mom the legal authority to act on my behalf and help me understand my rights, make phone calls for me, attend appointments with me and support me through the process of challenging any claims against me. Guardian Advocates are governed by section 393.12 of the Florida Statutes. 
All of the current charges that are left on my account are fraud. I filed complaints with CFPB and the XXXX  because its clear that the evidence of fraud that I have provided is not being taken in account. Each time Ive provided NEW information and proof. Each Barclays response states there was no new information provided which is not true. I have received at least four different reasons from Barclays stating why the charges are NOT fraudulent ; however, there is no basis for any of them. 
I was home in XXXX XXXX. The only valid charge on XX/XX/XXXX was at XXXX XXXX. Please see attached documents that prove when my mom returned to XXXX and that I was in XXXX when the charges in questions were made. 
The first reason Barclays fraud team gave for saying the charges were not fraudulent was that I was notified of these when they were being made. That is NOT true. I was not notified that any charges were being made on my card in XXXX. I did not realize these XXXX charges were made and that my card was lost on XX/XX/XXXX until I received a payment late notice from Barclays. The second reason I was given the reason that the card was in my possession so the charges were not fraud. No my card was lost in New York. 
I ALWAYS pay my credit card balances off every month and have always had an excellent credit rating. I have not charged anything on this card since XX/XX/XXXX because I didnt have it. 
Please understand that I allowed my mother to use my card when she was in XXXX. Barclays third reason they said this was not fraud because I had authorized my mom to use my card. That makes absolutely no sense because she flew home from XXXX on XX/XX/XXXX. Each time I've appealed I'm given a different reason why the charges are not fraud. 
The documentation I've provided has NEVER been acknowledged. I can provide additional documentation if needed that proves we were in XXXX when the fraudulent charges were made. 
Barclays continues to charge interest & late fees on these fraudulent charges and ruin my credit score. This is truly a travesty. I have always had an excellent credit rating and paid all my credit card bills in full every month. I have a XXXX have done my best to explain the truth and provide proof but they have never responded to that actual proof that this is fraud. PLEASE UNDERSTAND. WE WERE IN XXXX NOT NEW YORK WHEN THE FRAUD WAS COMMITTED. 
I have a XXXX and this is causing extreme stress and suffering because Barclays is denying the documentation that proves there is no possibility, we could have made the charges in dispute.

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