Consumer complaint received 2017-03-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Barclaycard, is refusing to take the fraud charge off of my account. I was picking up my fianc 's daughter from school - when Barclay called me saying there was a charge on my account from target totaling about XXXX dollars. Informed them it was n't me and my card is on. The rep told me no problem, we 'll cancel the card and reverse the charges etc. 
Now, being a member of Barclay for a while, having XXXX credit cards from them and even using their online savings - I have been a content consumer for a while until now. A month later, I received a call from them saying that the purchase was a chip card purchase and to their knowledge chip cards can not be cloned. The rep, informed me to get a police report - which I did. The detective whom specializes in this took my case, gave me a police report and acted quickly. He contacted me, saying Barclay is giving him a hard time to reverse the charges but not to worry because he pulled the camera footage however Barclaycard has n't been trying to work with him. 
Barclaycard contacted me, asking me to send in the police report. I sent in the police report since XXXX, every time I call they claim they have n't gotten it. As of yesterday, they placed the fraud charges back onto my account and have told me I have failed to send in the documents for them ( police report ) even though I have faxed them over 5 times and have copies saying that I did fax them with the time and date on the transmission copy from the fax. I have even sent the documents via mail to them. Every time I call or the detective calls they give us the run around. I have always paid on time, and I have always used their services my whole family does however, due to this mishap my family is considering cancelling all their accounts. I have asked them repeatedly over and over if I can email it since they keep claiming they have not gotten faxes or mail from me and they keep telling NO. 
Another thing, every time I call they keep saying " the notes on your account is very strange, not detailed and vague. '' I have begged them to replay the recordings since they record the conversations and they have refused. As this point, I have paid money again to overnight the reports ( police report and copies showing that I have faxed the report to them ) again. 

If you do research online, you can see cloning the chip card is possible. However even though they do agree it 's possible they keep saying " to their company knowledge it 's not possible at this time with us. '' I work in the technology field, the chipcard has been out in XXXX since the XXXX 's, however there 's a reason why they use chip+pin and not chip+ signature. You can even purchase a chip cloning machine from XXXX. I have begged them to review my GPS signal, you name it to show that it was n't me however anything I recommend they refuse. I am a college student, working XXXX hours a week paying rent in New York and trying to keep up with bills and here they are bamboomzling me out of money that I have nothing to do with. 

You can do tons of research and see that Barclay is pulling the same thing with different people and it 's not fair. I can upload upload/scan/fax etc anything you want so you can show Barclaycard that I have been trying and have made numerous attempts. 

Last time I spoke to them, they insisted that the reason why the fax might not be going through is because it 's a central dispatch and I did n't list my old account number on the paper, when I did.

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