Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (DE)

Dear Sir or Madam : I am writing to inform Barclays bank of fraudulent credit card charges on my business credit card. There were XXXX fraudulent charges from a fake merchant ( XXXX XXXX ) totaling {$12000.00}, beginning on XX/XX/XXXX and ending on XX/XX/XXXX. On XX/XX/XXXX, I reported this to Barclays immediately upon recognizing the fraud charges. 

I have never done business with XXXX XXXX. I did not authorize these charges. This is a fake merchant with fraudulent charges applied to my credit card. I do not have a XXXX account with the account number listed in these charges ( XXXX XXXX ). 

On XX/XX/XXXX, all of the charges were placed back on my credit card. I was not informed of any decisions by Barclays, although was initially told by Barclays in writing that I would be notified of the resolution upon closure of the investigation. Barclays has once again failed to remove and remedy these fraudulent charges.

Again, I implore Barclays to recognize the following evidence of fraudulent activity : Classic fraudulent testing the waters activity starting with an initial {$50.00} charge, followed by a slightly larger charge a day later for {$200.00}, then another a day later {$350.00}, and then XXXX more @ $ XXXX over 4 days. 
Atypical spending/charging pattern that is not my usual spend pattern o XXXX charges ( $ XXXX ) on XX/XX/XXXX o XXXX charges ( $ XXXX ) on XX/XX/XXXX o XXXX more charges from same merchant over a 10 day period Spending exceeding my credit limit - never have I exceeded my credit limit All charges from the same merchant, a fraudulent, uncontactable, untraceable merchant account No past history of doing business with this fraudulent merchant - XXXX XXXX The charge is not in the format XXXX uses for CC charges. XXXX states that real charges will appear as : If you've been charged by XXXX XXXX and you're using XXXX or XXXX to pay, you might see any of the following charges on your statement : o XXXX XXXX. XXXX o XXXX [ XXXX XXXX Ads Customer ID ] o XXXX [ XXXX XXXX XXXX Customer ID ] o XXXX [ XXXX XXXX Ads Customer ID ] Source of information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX % XXXX Shockingly, Barclays fraud protection did not recognize grossly abnormal charging activity on my account involving XXXX charges on the same day ( XX/XX/XXXX ) for the same amount ( {$500.00} ), XXXX charges on the same day ( XX/XX/XXXX ) for the same amount ( {$500.00} ), and XXXX charges over 2 days ( XX/XX/XXXX & XXXX, XXXX ) again, all for the same amount ( {$500.00} ). Barclays failure to act to protect my account against blatant and extremely repetitive fraud charges is gross negligence and a failure to protect this account holder. 

My attempts to rectify this fraudulent activity have fallen on deaf ears at Barclays. Despite calling every day to ask for help and repeatedly report the fraud charges, each time I am transferred to a department that has me start over with my reporting, providing no solutions nor answers as to why Barclays allowed me to fall victim to this theft, and enacting no remediation. 

I am shocked and disappointed in Barclays failure to recognize this repetitive fraud and stop it before it escalated to an exorbitant sum of money. I am equally disappointed in Barclays failure to resolve this fraud against me and re-apply all the charges to my account without notification of the reason.

I welcome a representative from Barclays to contact me directly to inform me of the immediate resolution of this fraud and removal of the XXXX charges totaling {$12000.00}. Please investigate this matter and correct the billing error providing me with a credit of {$12000.00} and the removal of any and all service fees and interest charges. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX In XXXX XXXX XXXX, XXXX XXXX cell