Consumer complaint received 2026-03-04 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: NJ

Complaint narrative:
Transaction Amount : {$290.00} Transaction Date/Time : Approximately XXXX AM ( midnight ), between XX/XX/year> and XX/XX/year> ( EST ) Merchant Descriptor on Statement : XXXX XXXX XXXX / XXXX Merchant Address Shown : XXXX XXXX XXXX, XXXX, NY XXXX XXXX Name XXXX Processor Notice : XXXX XXXX Additional Merchant XXXX Identified : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Summary of Incident On the night of XXXX XXXX, 2025, at approximately midnight in New York City, XXXX XXXX and I attempted to obtain transportation home. A man operating a black SUV approached us offering a taxi/black car service. We stated our destination, and he instructed us to pay using XXXX XXXX. The driver then took physical control of my phone and processed the XXXX XXXX charge himself. His behavior was suspicious and made us uncomfortable. We did not enter the vehicle and did not proceed with any ride. Instead, we immediately ordered an XXXX and left in the XXXX. No transportation service was provided by the individual or merchant associated with the {$290.00} charge. Because this occurred around midnight, the transaction may have been posted on either XX/XX/XXXX or XX/XX/XXXX depending on merchant processing. This Transaction Was Unauthorized / Fraudulent This was not a valid transportation purchase. I did not knowingly authorize a {$290.00} charge for transportation services. The driver used deception, took my phone, and processed the transaction. Barclays provided merchant documentation claiming we completed a ride to our home and even stopped for food. This is completely false- we never entered the vehicle, and no trip occurred. Additionally, the receipt provided contains a signature that is not mine and is not the signature from anyone that was with me. I am formally disputing the authenticity of that signature and confirm that it is a forgery. I requested that Barclays compare the signature submitted by the merchant to the signature Barclays has on file for me, as they do not match - yet, still no resolve. Dispute Was Incorrectly Categorized This matter should not be categorized as not as described or defective service. This is an unauthorized transaction/fraud claim, involving deception and a forged signature. I am requesting that this dispute be reopened and handled as an unauthorized XXXX XXXX transaction. Merchant Information Conflicts / Indicates Fraud The merchant descriptor on my statement lists the transaction as : XXXX CAR XXXX / XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX, I received documentation from Chase/JP XXXX XXXX XXXX XXXX XXXX XXXX account is associated with the name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX The merchant address listed on the statement differs from the address tied to the merchant account documentation. This inconsistency raises serious concerns regarding the legitimacy of the transaction and supports that the merchant information is misleading and unreliable. Immediate NotificatioXXXX to Barclays I contacted Barclays the same night the charge occurred after noticing the pending {$290.00} transaction. I reported that the charge was unauthorized and requested that it not be allowed to process. I was advised the charge would need to be posted before the dispute could be handled. Supporting Documentation Included I am including the following documentation in support of my request : 1. XXXX receipt from the same night showing we used XXXX for our ride home 2. Copy of the merchant receipt containing the forged signature and false trip details 3. Copy of the XXXX XXXX XXXX XXXX dispute notification identifying the merchant as XXXX XXXX and showing merchant processing information Throughout this process, Barclays has been extremely difficult to work with and has not meaningfully assisted in resolving this clearly fraudulent charge. We reported the transaction immediately the same night it occurred, yet we have been required to spend many hours on phone calls, submit multiple disputes and appeals, and repeatedly provide documentation to support the claim. Despite this effort, Barclays has failed to properly investigate the circumstances of the transaction, including the forged signature and the fact that no services were provided. This has placed an unreasonable burden on us to correct what is clearly a fraudulent charge.

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