Consumer complaint received 2022-04-23
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:
Applied for credit card Barclaycard XXXX XXXX on XX/XX/XXXX and was able to use to purchase plane tickets as an introductory promotion to earn XXXX miles of XXXX. 

XXXX XXXX XXXX, Waiting for the credit card to arrive. 

XX/XX/XXXX, I saw an email around XXXX that someone activated the credit card around XXXX. Never received the card physically. Then I found out someone had charged our credit card for gas, atm transaction, liquor at different locations. 

XX/XX/XXXX, called the Barclay XXXX credit card to report that someone activated my card I never received physically and lot of fraudulent charges made. Credit card company cancelled the card right away. Theres almost {$2500.00} that was charged on my card. Barclay XXXX XXXX stated they will investigate and will resolve the issue and will resend me a new card. 

XX/XX/XXXX, I got an email from barclay XXXX card that address changed had been made i know I did not made that changes so I immediately Called the Barclay XXXX credit card again to follow up on what and why this change happened. someone had made a change of address that it was not mine. Then the Fraud dept advised to change our credit card online password and email password which i did. Then I changed my mailing address to po box instead. 

In a months time they were able to return the other fees ( cash advance from atm, groceries charges ) worth of {$1000.00} so fees dropped to {$1500.00}. I called barclay XXXX card and questioned why the other fraud charges arent dropped but others were. 

XX/XX/XXXX, credit card company wrote a letter stating that they concluded that the other charges Are valid and Im liable to pay for the other charges. So I contacted and complained why would I be liable for the other charges that were connected to other charges that were dropped which doesnt make sense. The investigation they made are not correct, theres discrepancies and questionable as those fraud charges should all be dropped as theyre all connected and charged in the same day, XX/XX/XXXX. So barclay will reopen the case XXXX XXXX filed a police report for the fraud charges made and sent to barclay XXXX credit card. 

XX/XX/XXXX, contacted barclay XXXX credit card 3x this month and to follow up on the fraud investigation and all they can say is it still pending XX/XX/XXXX, contacted barclay XXXX credit card again 2x this month and to follow up on the fraud investigation and seems like No one can give me a direct answer so much inconsistency on the investigation. The barclay XXXX credit card has not given me resolution. Everytime I called they put me on hold for 2 hours and hang up. Im getting charge of interest. 

XX/XX/XXXX, this is 4th month of investigation and still Has not been resolved.

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