Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Dear Sir or Madam, I am writing to formally reject Barclays Bank Delawares investigation outcome and conclusions communicated in your correspondence dated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, issued in response to my complaint filed with the Consumer Financial Protection Bureau. 

Your response is substantively deficient, legally insufficient, and fails to meet Barclays obligations under the Fair Credit Billing Act ( FCBA ), Regulation Z, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Failure to Conduct a Reasonable Fraud Investigation ( FCBA / Reg Z ) Barclays has not demonstrated that it conducted a reasonable, good-faith investigation into the unauthorized transactions that directly caused the charge-off balances on the above-referenced accounts. 

Your repeated request that I individually identify transactionsdespite prior notice, dispute submissions, and the fact that Barclays possesses complete transaction recordsdoes not satisfy your statutory duty to investigate once a billing error or fraud dispute has been raised. 

A conclusory statement that prior responses were adequate does not meet federal investigative standards. 

XXXX. Improper Burden Shifting to the Consumer Your response improperly attempts to shift the investigative burden entirely onto the consumer. Federal law does not permit furnishers to condition a fraud investigation on repeated resubmission of information already in their possession, particularly where unauthorized activity is alleged and unresolved. 

XXXX. FCRA Violations Inaccurate and Unverified Credit Reporting This letter also serves as formal notice that Barclays is engaging in credit reporting violations under the FCRA, including but not limited to : a ) Reporting Disputed Information Without Proper Investigation Pursuant to 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute ( including through the CFPB or a consumer reporting agency ), it must : Conduct a reasonable investigation ; Review all relevant information ; Correct or delete inaccurate or unverifiable information. 

Barclays has failed to demonstrate compliance with these obligations. 

b ) Reporting Information That Is Inaccurate, Incomplete, or Unverifiable By continuing to report charge-offs and balances arising from disputed and unresolved unauthorized transactions, Barclays is furnishing information that is inaccurate and/or can not be verified, in violation of 15 U.S.C. 1681s-2 ( a ).

c ) Failure to Correct or Suppress Disputed Data If Barclays is reporting these accounts to consumer reporting agencies without clearly marking them as disputed, or while failing to conduct a lawful reinvestigation, this constitutes an independent FCRA violation. 

XXXX. Lack of Evidence and Conclusory Determination Your correspondence provides : No transaction-level findings No merchant verification evidence No device, IP, or behavioral analysis No explanation of investigative steps taken Absent such documentation, Barclays has no lawful basis to continue furnishing adverse credit information related to these accounts.

5. Demand for Corrective Action & Preservation of Rights Accordingly, I hereby demand that Barclays within 15 days of receipt of this letter : Reopen and complete a documented, transaction-specific fraud investigation, or Cease furnishing any adverse credit information related to these accounts and correct/delete existing credit reporting, or Provide written confirmation that Barclays is refusing further investigation, so that such refusal may be reviewed by the CFPB, state regulators XXXX and the courts. 

This letter serves as formal preservation of all rights, including the right to pursue : CFPB escalation State Attorney General complaints Credit bureau disputes Civil remedies under the FCRA and FCBA, including statutory damages, actual damages, attorneys fees, and costs.

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