Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have been trying to resolve an issue with multiple fraudulent charges on my Barclaycard Mastercard. Here are the charges/dollar amounts : 1. XX/XX/XXXX,XX/XX/XXXX{$410.00} 2. XX/XX/XXXX, XXXX, {$410.00} 3. XX/XX/XXXX, XXXX, {$100.00} 4. XX/XX/XXXX, XXXX XXXX XXXX, {$400.00} Here is a timeline of what has happened so far : 1. On XX/XX/XXXX, I received a text message from Barclaycard informing me that there were possibly fraudulent charges on my account. Upon reading this, I realized that my wallet had been stolen at some point that day or the day before. I immediately called Barclaycard to report my Mastercard as stolen. ( I also did this with credit card from two other companies - both companies gladly refunded me the fraudulent charges ).

2. About a week later, I received a new Mastercard.

3. Shortly thereafter, when the fraudulent charges were still not removed from my account, I called Barclaycard again and was told that the charges mistakenly had been transferred to my new card. I was told that this new card would be cancelled, the charges investigated, and yet another card would be issued. 
4. About a week later, I received another new card.

5. 3 of the 4 fraudulent charges ( all except the XX/XX/XXXX charge ) were credited back to me. A short time later, I received a letter stating that this charge was not fraudulent, despite occurring on the same date as all the other charges, for a similar dollar amount.

6. I called Barclaycard and was told to fax them documentation on this charge for further investigation. I faxed them this information on XX/XX/XXXX, and also sent the documentation in hard copy form via certified mail. 
7. About a week later, I checked my Barclaycard account again, only to discover that, not only was this XXXX XX/XX/XXXXcharge still on there, but the other three fraudulent charges, which had previously been credited back to me, had all been re-posted to the new card. 
8. I called Barclaycard again, and was told to submit, in writing, detailed explanations for why I thought each charge was fraudulent. 
9. On XX/XX/XXXX, I sent the Barclaycard Fraud department a certified letter with as much proof as I could find that these charges were fraudulent. As I stated in the letter, accounting for my whereabouts every minute of the day on XX/XX/XXXX is impossible. However, as I explained, a simple analysis of my transaction history with Barclaycard makes these 4 transactions seem very odd ( which is probably why they tagged them as possible fraud in the original text message received on XX/XX/XXXX ). To my knowledge, I have never shopped at all 3 of those merchants on the same day. I have not set foot in a XXXX store in more than a decade. I use my bank check-card for virtually all transactions, only using actual credit cards for large, travel related purchases ( hotels, airplane tickets, etc. ) 10. Sometime thereafter, I received 2 different letters in the mail from Barclaycard. The first, dated XX/XX/XXXX, said that the fraudulent activity associated with the original Mastercard were indeed fraudulent and that " you are not responsible for the reported fraudulent activity ''. A second letter, dated XX/XX/XXXX, informed that the original card had been " closed due to suspicious activity ''.

11. Finally, on XX/XX/XXXX, I sent another certified letter to Barclaycard, indicating my continuing frustration that this issue was not being resolved. I included a detailed timeline of what had happened up to that point, and requested yet again that these fraudulent charges be removed. I have not received any response to this letter. 

At this point, I am at my wits end. I do not have the resources to hire an attorney. Any help you can provide will be greatly appreciated.

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