Consumer complaint received 2018-07-13
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:
Dear CFPB, This complaint concerns Barclaycard 's refusal to satisfactorily resolve fraudulent charges that were made to my credit card account in XXXX and XX/XX/2017. I have attached the letter that I sent to Barclaycard to describe the issue and to request resolution. Instead, Barclaycard has hounded me for the past year, plus.. When I refused to pay the fraudulent charges, Barclaycard reported me to the credit reporting agencies as having a delinquent account. This was after I had closed the account. It has lowered my credit score from over 750 to under 680, which has cost me addiitonal financing costs due to the lower credit score. Still unsatisfied, Barclaycard has now threatened to file a lawsuit against me. Please make them stop! 

Here is what happened : I logged on to the Barclaycard web site in late XX/XX/2017 to make my regularly scheduled payment on my promotional balance. I had opened the Barclaycard as a promotional card to purchase two XXXX computers. For that, I was promised special financing in doing so. There were no other authorized charges on the Account. Thus, I was shocked and horrified to find thousands of dollars of charges over XXXX charges to XXXX XXXX. I immediately called Barclaycard and reported the charges as fraudulent. I recall the Barclaycard representative accessing the Account, reviewing the charges, and agreeing that they looked fraudulent based on my usage history. That same day, I went to the Barclaycard web site, filed a written report to the same effect, and paid the remaining authorized balance. Shortly thereafter, Barclaycard closed the Account and I lost access to the all of the charges. I received a letter from Barclaycard dated XX/XX/2017 and assumed Barclaycard had attended to investigating and resolving the matter. 

Sometime later, in XX/XX/2017, I began to receive robo calls from Barclaycard. I spoke with XXXX of Barclaycards Fraud Investigation team on XX/XX/2017. I reported the fraudulent charges to XXXX, and he assured me that he would get the matter concluded. Then I received another letter from Barclaycard dated XX/XX/2017, concerned some account ending in XXXX ( the Unauthorized Account ). I have never applied for the Unauthorized Account nor do I have any knowledge of how it came to be or how there has come to be a balance of XXXX. Since I received the XX/XX/2017 letter, however, I began to receive a daily barrage of robo calls notifying me of a balance due. Each time that I returned the calls, the customer service representative would tell me they were authorized to do one and only one thing take payments. They refused to discuss the charges, reported that they lack access to information in Barclays computer systems about them, and were unable to transfer the call to anyone who can. 

Again, all the representatives of Barclaycard said they could do was to take payments. I would like barclaycard to stop collection activity, close my account, and send a report to the credit reporting agencies that restores my credit rating to what it was before Barclaycard damaged it.

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