Consumer complaint received 2017-10-21
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: Card was charged for something you did not purchase with the card

Complaint:
On the night of XXXX XXXX and into the early hours of XXXX XXXX in XXXX, XXXX, I was invited to a bar after a bar had closed by a promoter/employee of a popular bar nearby. After seeing people also making their way towards this bar I followed this promotor inside who had promised a free drink for doing so. Inside this bar I made conversation with several people and bought several drinks, all with the intention of leaving back for the XXXX I was staying in from there. As the time approached towards when I wanted to leave, I was given my free drink a drink of pink color and sparkling vodka type visual look and it was shortly after taking this drink and finishing it, my night became very blurry. I barely remember anything but what I do remember is XXXX XXXX on the XXXX in a strange part of the bar that did not look familiar, I was XXXX XXXX XXXX on XXXX XXXX and had XXXX both on the floor and XXXX XXXX XXXX. It appeared as though XXXX XXXX was XXXX and I could barely XXXX XXXX on the floor. I ended up going back into XXXX for the next hours until I was XXXX XXXX into the street. When XXXX in the morning on a XXXX, I had : - NO Cell Phone ( XXXX XXXX XXXX ) - NO Bank # 1 Debit Card - NO Bank # 2 Debit Card - NO US CA Drivers License My credit cards in my wallet had been rearranged in a way that didnt make sense, eventually I Had come to learn that ALL my credit cards and debit cards had been charged at some point in the night by someone at the bar. 
The total amount of charges exceeded {$13000.00} USD. 
Luckily for me, Credit Card Company # 1 BLOCKED over {$800.00} + in charges as XXXX XXXX in XXXX shows up as a Fertilizer Company to my Credit Card Company. 
Credit Card # 2 and Debit Card # 2 took over {$6400.00} in charges and Debit Card # 1 and Credit Card # 3 had taken over {$3000.00} Luckily for me the bank of both the debit card and credit card BLOCKED the charges and nothing actually went through. 
Barclay Bank, whom I possess a XXXX Credit Card and had never used in my entire trip to XXXX was charged over {$8000.00} but the Bank had blocked the charges of over {$5200.00} of it. I know this because I was told so when calling them while in XXXX, XXXX on the night of XXXX XXXX, XXXX and using my friends phone to call all of my banks to report FRAUD and DISPUTED CHARGES. 
Although Im appreciative that Barclay Bank had blocked two ( 2 ) additional charges made on top of the first ( 1 ) charge of {$2700.00} +, the first charge made it through the processing and was passed down to me as a charge on my account. 
I disputed the charge by explaining that I was XXXX and that my card had been taken from me and used repeatedly by having had charges made on it. 
An investigation began to where statements were made and phone calls and letters were corresponded back and forth between Barclay and myself. 
In XXXX of last month on the morning of Tuesday, XXXX XXXX, I received a letter in the mail stating that Barclay Bank had completed an investigation to which made Barclay side with the merchant XXXX XXXX and place the charge back on my account to be paid by a due date. 
Not only did Barclay BLOCK additional charges made by this merchant on my card previously but was not providing any REASON for why they decided to choose to side with the merchant over myself after knowingly blocked this merchant from having made these additional charges. 
When you go and make a legitimate purchase, why would your card decline it? This is the most obtuse financial situation Ive ever been in my life with a financial institution. Literally the XXXX bank that tried to prevent up to $ XXXX being charged on my account in a matter of minutes is now saying I owe for the first transaction of {$2700.00} that was able to go through. 
What could I have possibly spent that night on that single card to which would make the purchase rise to the amount charged in the transactions easily totaling {$7000.00}?? A single alcoholic beverage in XXXX costs as little as {$1.00} to {$3.00}. 
Why would my card even be able to process a transaction as high as {$2700.00} + dollars in XXXX purchase after having not been used in all of XXXX while coming from California where my last purchase was made? 
Why was I not provided any written or verbal reasoning for accepting the charge ( s )  made on my account as VALID.

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