Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
CFPB Complaint SubmissionSubject : Fraudulent charges on multiple credit cards ; issuers refusing to investigate or provide provisional credits, violating consumer protectionsI am writing to file a formal complaint regarding fraudulent activity on several of my credit cards. Unauthorized users made large charges after my cards were stolen. The card issuers listed below have failed to properly investigate the disputes, have not provided provisional credits while the fraud claims are under review, have charged me excessive fees, and in some cases have closed accounts while still holding me responsible for the fraudulent balances.Affected Accounts : XXXX XXXX XXXX card ending in XXXX XXXX Barclays card ending in XXXX XXXX XXXX card ending in XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX issued but I have been locked out of my online account and they refuse to send the replacement cards until I make payments on the fraudulent balance while the investigation is ongoing XXXX card ending in XXXX Summary of Events : Thieves used my stolen cards without any ID verification at the point of sale. I promptly reported the fraud to each issuer, provided police report numbers, and requested investigations. Despite this, the issuers have repeatedly closed my fraud cases without resolution, even though more than XXXX days have passed. They are holding me liable for the unauthorized charges and continuing to assess fees.I specifically asked each issuer to review my pre-theft spending patterns, which were consistent and modest, versus the sudden large spikes in fraudulent activity. They have not done so adequately.Police Reports ( XXXX Police Department ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additional thefts occurred in XXXX. Fraud department direct line : XXXXThe perpetrators are transient and have not been located. As a result, I can not pursue them directly. The merchants failure to check ID enabled this fraud, yet the card issuers are not addressing it properly.Personal Impact : This fraud has wiped out my savings intended for a home down payment, maxed out my cards, and caused additional losses ( including my vehicle being stolen and damaged ). I have been hospitalized multiple times with a serious XXXX XXXX during this period and recently suffered the XXXX XXXX of my wife and XXXX son. All issuers were informed of my health situation and ongoing grief, yet they continue to demand payment on fraudulent charges.Requested Resolution : I am requesting that the CFPB investigate these issuers handling of my fraud claims and require them to : Immediately remove all fraudulent charges and associated fees/interest. Provide provisional credits where not already given. Reopen and properly investigate all claims with consideration of the police reports and spending pattern analysis. Restore my accounts and access ( including XXXX online access and new cards ) without requiring payment on disputed amounts. Cease all collection activity on the fraudulent balances. I have been cooperative, provided all requested documentation, and acted promptly. I should not be held responsible for crimes committed with my stolen identity and cards.Thank you for your assistance. Sincerely, XXXX XXXX XXXX

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