Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
XX/XX/XXXX- I was an American tourist in XXXX. A taxi service in XXXX charged {$160.00} for a XXXX kilometer ( less than XXXX miles ) ride from the Train Station to our hotel that should have been about {$16.00}. They did not show me the card scanning in the front seat nor give me a receipt. Being concerned, I looked at my account online and could see the temporary fraudulent charge. I immediately called Barclays and they said they could do nothing until the charge was posted.

I called Barclays on XX/XX/XXXX when I saw the amount posted and said it was fraudulent in amount and stated I should be reimbursed for {$150.00} that I was overcharged. 

XX/XX/XXXX Barclays posted on my-online account document center that my dispute claim was received. 

XX/XX/XXXX Barclays posted on my on-line account document center that they had provisionally credited my account for {$150.00} and have asked for additional information from the merchant to validate the transaction.

Sometime between XX/XX/XXXX and XX/XX/XXXX Barclay 's recharged me for the {$150.00} credit as shown on my credit card statement, doing so before I had a chance to respond to whatever the merchant sent as " proof ''. 

On XX/XX/XXXX, I received in the mail from Barclays a letter dated XX/XX/XXXX saying the merchant had provided information validating the transaction. Barclays included the " validation '' from the merchant which was completely fraudulent. Barclays letter also only gave me 10 days to reply and my reply had to be in writing. As 7 of those days had already transpired in the mail, I was left finding a fax machine on the XXXX XXXX XXXXXXXX holiday weekend to document to Barclay, with my time stamped proof, that the merchant was committing fraud with their supposed validation. At no time did this XX/XX/XXXX letter from Barclays show up on my online document center, which would have given me more time to respond. XXXX should allow more time for responses if they have to be in writing as mailing time to me took up 7 of the 10 days.

I then received another letter from Barclay dated XX/XX/XXXX that my dispute was closed because there was insufficient proof that the merchant violated the contract 's terms and that I must take it up with the merchant. I do not understand why the merchant 's fraud is not in violation of a service.

Upon receiving this letter I called Barclay and asked to speak to a manager. There was no manager available so the manager would call me back. The manager called the next day and said there was nothing she could do, that the case was closed.

I sent Barclay a certified letter, again with all my time stamped train and hotel receipts and proof that the taxi did not pick me up at the location they said or take me XXXX kilometers away to the airport and again stated I had no receipt to be able to know the company to contact them directly. This was already all documented in my fax to them XX/XX/XXXX. They sent me a letter back dated XX/XX/XXXX that my case was closed and to take it up with the merchant. The XX/XX/XXXX letter also did not show up on my

Barclays online document center. These are the points I made to Barclay. 1. Barclays did not make a rational decision that fraudulent " proof '' by a merchant for a disputed transaction does not constitute a violation of the " contract ''. Barclays should reimburse me for the {$150.00} I was over charged.

2. Barclays did not make a reasonable attempt to contact me and provide me time to respond in writing to the merchant 's " proof '' because Barclay only used the US mail and gave me 10 days to respond. 7 days were taken up just with the mailing time from them to me. They should have posted both the XX/XX/XXXX and XX/XX/XXXX documents from them in my online document center like they did my other letters from them. They also should have notified me by email that I had documents waiting.

3. All the letters I received from Barclays look like standard form letters and none of them make any reference to my documents or the proof that I sent them. I have no reason to believe Barclays actually looked at any of my irrefutable proof that the merchant was lying.

4. Barclays closed my case and I have no other recourse. If Barclays doesn't commit to stopping fraud then there is no incentive for the thieves to stop.

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