Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
ate : XX/XX/XXXX Re : CFPB Complaint Fraudulent Charge on Barclays XXXX XXXX | XXXX XXXX XXXX {$3100.00} To Whom It May Concern, I am submitting this complaint against Barclays Bank Delaware regarding an unauthorized charge of {$3100.00} posted to my XXXX XXXX account. Despite repeated efforts to resolve this matter directly with Barclays, the company has refused to conduct a thorough investigation or issue a credit for the fraudulent transaction. I am now requesting the Consumer Financial Protection Bureau 's assistance in resolving this dispute. Description of the Fraudulent Charge : On XX/XX/XXXX, a charge in the amount of {$3100.00} appeared on my Barclays XXXX XXXX from the merchant XXXX XXXX XXXX. I did not authorize this transaction, nor did I receive any goods or services associated with it. This charge was made without my knowledge or consent. Steps I Have Taken to Resolve This Matter : On XX/XX/XXXX, I contacted Barclays Bank directly to report the unauthorized charge and spoke with a representative named XXXX. I clearly communicated that I did not recognize or authorize the transaction and requested that it be investigated and removed from my account. Barclays opened a dispute ; however, the company ultimately sided with the merchant and refused to credit my account. I also sent written dispute letters to Barclays the same month, clearly documenting my position and requesting a full investigation. On XX/XX/XXXX, I escalated my complaint by writing to the Attorney General 's office, as neither Barclays nor the XXXX XXXX had taken meaningful steps to resolve the matter. Hotel 's Acknowledgment of Fraudulent Activity : It has come to my attention that the XXXX XXXX itself has acknowledged that individuals have accessed a fraudulent or cloned website associated with their property, resulting in multiple consumer complaints of a similar nature. This strongly suggests that my situation is part of a broader pattern of fraud. Despite this acknowledgment, neither the hotel nor Barclays has taken responsibility or made any effort to protect consumers who were victimized. Impact on Me as a Consumer : This fraudulent charge of {$3100.00} has caused significant financial hardship. I am being held responsible for a charge I did not make, and my repeated attempts to have this matter corrected have been ignored. Barclays ' failure to properly investigate this dispute is a violation of my rights under the Fair Credit Billing Act ( FCBA ) and Regulation Z, which entitle me to a fair and timely investigation of billing errors. Relief Requested : I respectfully request that the CFPB investigate Barclays Bank Delaware 's handling of my dispute and compel the following actions : 1. Immediate removal of the {$3100.00} fraudulent charge from my account ; 2. A full investigation into the unauthorized transaction by XXXX XXXX XXXX ; 3. Correction of any negative credit reporting resulting from this fraudulent charge ; 4. A written response from Barclays Bank Delaware explaining the outcome of their investigation. I have documentation supporting my claims, including my written dispute letters, correspondence with Barclays, and my letter to the Attorney General, which I am prepared to provide upon request. I trust that the CFPB will take this matter seriously and assist me in obtaining a fair resolution.

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