Consumer complaint received 2019-03-13
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have found this consumer protection website while researching the internet fraud and I wanted to raise an issue to the attention of this agency. Last year I had a depressing year after finding many many transactions not authorized by myself or my authorized user all across a 3 month period on my statements once I began to see a significant increase in my monthly statements due. sorry, I dont meticulously watch every transaction each month and I spend a lot some months and less other so it went under my radar. I am just simply shocked and frustrated that Barclay has not called me back after I disputed these transactions months ago! 
I spoke to 3 agents while on the phone for hours and had my authorized users card closed and mine replaced for security. I went thru 2 fraud departments between my two credit cards with Barclay one by one listing the fraudulent charges, mostly foreign ones. After nearly 2 hours on the phone documenting everything with multiple agents I made sure the investigation was initiated and I was told it was and I was told I would receive mail regarding this and confirming the dispute and also phone calls with further questions and eventually a phone call to discuss the outcome and how my accounts would be credited and yet I have NEVER received a single piece of letter in the mail or a single phone call from anyone at Barclay regarding either my rewards card or my XXXX card. I love my Barclay cards and these are the ONLY cards I use and I am so disappointed and I feel like they have abandoned me, my issue and are simply hoping I don't say anything so that the insane amount of fraudulent transactions and foreign transaction fees stay as they were as opposed to rightly refunded to me. I am in XXXX  XXXX and I have so much anxiety because I have had no resolution, refund or communication from Barclays. 

I called a few times with no luck getting in touch with the departments responsible. Once I was told the department was closed because it was a weekend and another time I called and was transferred to the fraud/dispute department and had to hang up after being on hold for over 47 minutes! 

I truly feel scared that my money is not going to be refunded to me and I am still paying astronomical interest on these fraudulent transactions and it has been so hard! The worst part is that my credit is extremely damaged by this because it is over {$11000.00} in charges, fees and added interest. My debt is so high because of this that it tanked my credit score and the balances are so high that my FICO shows I am at extremely high usage which also hurt my score. I just dont understand how and why they have not followed up me or have not cleared the 8 transactions I went over with them. I was told that two were accidentally certified somehow and even though I am sad that I cant include those I understand. But, I would like for those to be included as well because authorized users cards and information was compromised and we are not sure how these transactions became verified and can not confirm by whom. I was told by the XXXX side of things that since the cards were closed it would be tricky to reverse the transactions on the cards because they no longer exists but I cant imagine what the hold up is because I am still a customer, I continue to make payments and the balances are still there on the new cards. Why not reverse them there? I am reluctant to pay large payments because it is not my responsibility to pay for these fraudulent charges and yet here I am paying them each month. Please, can someone help me!? I once received a call and I felt like I was on 3 way with a man and a woman. A man called me but before I said Hello I heard a woman speaking to him. I dont understand why but I feel as though this was a set up and I felt cornered and I had no clue what this person was talking about. This person spoke my name and talked about knowing me and me having an account with his company. I asked that man where he got my number and he he had no answer. I asked how he knew my name and still nothing. I asked him to leave me alone and never call me back. Did someone at Barclay give this person my information and ask them to call me and question me? How did this person know me? What was his business and what are all of these bogus electronics store and car part transactions form over sees? My concern is that these transactions are fraud, fake business and unusual transactions codes. I googled each and every one of them and all ways pointed to frauds and scams. Obviously these are not accurate and fake and I would expect Barclays to have NO issue getting their money back from these scam terminals in XXXX, so why am I suffering!? Why am I being ignored and my rights to dispute and an investigation ignored? literally it has been over 9 months already and NOTHING! As if nothing was ever disputed! Please PLEASEEEE reverse these fraudulent charges! Please I want the CFPB to have access to my phone calls where I spoke for hours with your fraud departments and listed and discussed each and every charge. I am so worried

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