Consumer complaint received 2018-08-15
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I did not *AUTHORIZE* for a merchant ( XXXX XXXX ) to CHARGE my credit card for THREE amounts ( {$750.00} ), {$350.00}, AND {$350.00}. I notified my Credit Card Company immediately and was advised so long as I did not *AUTHORIZE* I would not be responsible for any unauthorized charges. I have GFRAUD protection, and Barclays Bank is the WORST in protecting their customers from wrong full unauthorized merchants who wrong fully bill card holders for services NOT rendered. Any written agreement I had with this merchant is between me and the merchant in Court. I NEVER authorized this merchant XXXX XXXX to Bill my card for 'services ' he was SUPPOSED to render but never did, I attempted to resolve the issue with the merchant and the day I found these charges the merchant indicated in 'text ' and email form that it was an error and he would correct it. I contacted my Bank and spoke to Barclays Bank advising that although this merchant had my credit card information, I DID NOT* EVER sign or agree to a signiture on file or ANY document authorizing this merchant to bill my card, THIS MERCHANT **NEVER** did any work on my behalf as he promised to protect me. The merchant NEVER sent me any itemization for a bill for services because there was NO SERVICES rendered. The merchant also has REFUSED certified mail from me that I DO have. Barclays Bank so called investigation process NEVER* sent me any request to submit documentation to Support my claim. As a matter of FACT * I spoke to XXXX on XX/XX/2018 at Barclays Bank Disputes department who ASSURED me my case was CLOSED and the wrong full charges that wasp on my account by XXXX XXXX WAS CLOSED and would NEVER** be reopened. I asked if there was a need to file a police report against this CROOK XXXX XXXX and was told by XXXX on a recorded line on XX/XX/18 " NO '' this matter is CLOSED I ASSURE YOU AND YOU WILL NOT HAVE TO PAY FOR SERVICES never received and never authorized. I was FORCED to close my original card when I learned of the unauthorized charges. I was inconvienanced and stressed out to the max. The correspondence I received from Barclays Bank dated XX/XX/2018 indicates the investigation would be 30 days from XX/XX/18, this is why I called Barclays Bank and was ASSURED on multiple occasions that my card would not be CHARGED for charges I did NOT* authorize. I also received CREDITS on my statement in XX/XX/XXXX, there were there : {$750.00}, {$350.00} {$350.00}. The UNFIAR practices by Barclays Bank requires investigation. I request that BARCLAYS make a COMPLETE FAIR< AND FULL INVESTIGATION. I received a VERY disturbing call on XX/XX/18 from Barclays disputes dept ( XXXX ) who was ROOD unprofessional, lacked compassion, and REFUSED to let me speak to some one above her. I was not supplied with the name of her supervisor and I TRIED to explain that was NEVER given the opportunity to submit supporting documentation from this 'crook ' that wrong fully charged my credit card. BARCLAY 'S BANK denied my RIGHT for a full and fair investigation, pursuant to MASTER CARD " CHARGE BACK CODES '' : # XXXX ( CARD HOLDER DOES NOT RECOGNIZE '' Potential Fraud ) # XXXX ( SERVICES NOT RENDERED ) XXXX # PROOF OF SERVICES ) XXXX # DEFECTIVE NOT AS DESCRIBED. INSTAED OF Barclays Bank * PROTECTING* IT ; S CUSTOMER AS MY SELF, BARCLAYS PROTECTS THE MERCHANT WHO WRONG FULLY, ILLEGALLY CHARGES CUSTOMER 'S AS MYSELF, I WILL NOW BE FORCED TO TAKE ANY AND ALL PUBLIC AND CIVIL ACTION AGAINST BARCLAYS AND THE MERCHANT. I WILL ALSO BE CONTACTING THE FEDERAL RESERVE, MASTERCARD, AND EVERY FORUM TO SUPPLY EVIDENCE THAT BARCLAYS HAS VIOLATED MY RIGHTS AS A CONSUMER FTC, BARCLAYS BANK ***REFUSED*** TO ALLOW ME TO APPEAL THE WRONG FULL DECISION UPON RECEIVING THE PHONE CALL FROM BARCLAY 'S DISPUTE DEPARTMENT ON XX/XX/18. Barclays Bank*** NEVER*** ALLOWED ME TO SUBMIT ANY DOCUMENTATION TO SUPPORT THAT THIS MERCHANT XXXX XXXX XXXX A CROOK, XXXX XXXX `` ADMITTED '' VIA TEXT AND EMAIL " I WILL CORECT THIS BILLING ERROR '' AND JUST BY XXXX  : XXXX XXXX ESQ '' IT IS NOTE ABLE THAT THIS MERCHANT HAS OTHER 'VICTIMS ' THAT HE WRONGFULLY BILLED FOR SERVICES NEVER RENDERED. I WILL PURSUE THIS MATTER TO THE EXTENT OF THE LAW, AND I WILL NOT** I WILL NOT PAY FOR SERVICES I DID NOT ONLY NEVER RECEIVE BUT I NEVER AUTHORIZED.

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 monetary relief