Consumer complaint received 2026-07-13 00:00:00
Product: Credit 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
State: CO

Complaint narrative:
On XX/XX/year>, a charge of {$970.00} from XXXX # XXXX was posted to my Barclays XXXX XXXX XXXX account ending in XXXX. I did not authorize this transaction. I discovered the charge on XX/XX/year>, while it was still pending and immediately contacted Barclays to report it as fraudulent. Barclays opened a fraud investigation and issued a provisional credit while the matter was being reviewed. 
On XX/XX/year>, Barclays sent correspondence regarding the reported fraudulent activity. Then, on XX/XX/year>, Barclays denied my fraud claim and reversed the provisional credit. The denial letter states only : " We have completed our investigation and have determined the activity is valid based on your previous purchase history with the merchant. '' I do not believe that prior purchases with a merchant establish that I authorized a specific future transaction. While I have made legitimate purchases from XXXX in the past, that alone does not demonstrate that I authorized this {$970.00} transaction. 
I did not make this purchase and was not shopping at a XXXX store on the date of the transaction. After receiving the denial, I contacted Barclays on or around XX/XX/year>, to request additional information about the basis for its decision. I contacted Barclays again on XX/XX/year>, seeking any updates and any information or documentation supporting the denial. Despite these efforts, I have not been provided with a meaningful explanation beyond the statement that the transaction was deemed valid because of my prior purchase history with the merchant. 
Barclays has not explained what evidence was used to determine that I authorized this charge. The denial letter does not indicate whether Barclays reviewed a signed receipt, EMV chip data, PIN entry, merchant documentation, store location information, surveillance evidence, or any other records linking me to this transaction. Barclays has provided no explanation beyond my prior history with XXXX. 
For reference, I have attached copies of : ( XXXX ) the disputed {$970.00} XXXX transaction, ( XXXX ) a XXXX  XXXX 's transaction that I made on the same date in XXXX XXXX, XXXX, where I was located that day, ( XXXX ) Barclays ' XX/XX/year> correspondence regarding the reported fraudulent activity, and ( XXXX ) Barclays ' XX/XX/year> denial letter. These documents are provided to assist in evaluating my complaint and Barclays ' conclusion that the XXXX transaction was authorized. 
I am requesting that Barclays conduct a thorough reinvestigation of the disputed transaction and provide the evidence relied upon to determine that the charge was authorized. If Barclays can not provide sufficient evidence that I authorized the transaction, I request that the {$970.00} charge be permanently removed, that all related interest and fees be refunded, and that any adverse account impacts or reporting arising from this matter be corrected.

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