Consumer complaint received 2026-07-20 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: MI

Complaint narrative:
Subject : Formal Complaint Against Barclays Bank Regarding Fraudulent Transactions, Account Closure, Credit Reporting, and Failure to Provide Investigation Results To Whom It May Concern, I am submitting this formal complaint against Barclays Bank regarding their handling of fraudulent transactions on my credit card account, their failure to properly investigate and resolve my dispute, their closure of my account without explanation, and the resulting damage to my credit profile. I have been a Barclays customer and currently have a credit card account that now shows an outstanding balance of approximately {$6200.00}. However, approximately {$5200.00} of this balance consists of transactions that I reported as fraudulent. Upon discovering these unauthorized transactions, I immediately notified Barclays and filed fraud disputes. Since then, I have cooperated fully with every request made by the bank. I have provided all supporting documentation requested, including : Social Security Number verification Government-issued photo identification Utility bill and proof of address Additional information and documentation requested during their investigation process Despite my cooperation and repeated follow-ups, Barclays has failed to provide a fair resolution. Throughout this process, I have contacted Barclays numerous times by phone and have spent significant time attempting to resolve this issue. Representatives repeatedly assured me that : The fraud investigation was being reviewed. A copy of the investigation findings would be mailed to me. I would receive written communication explaining their decision. To date, I have never received the promised investigation report or any meaningful explanation regarding the outcome of their investigation. Adding to my concerns, Barclays subsequently closed my account without providing a clear reason or explanation. As a result, I no longer have access to my online banking account or mobile application. Although Barclays continues to send notifications, alerts, and messages, I am unable to access or review these communications because my account access has been XXXX. Even more troubling, Barclays continues to hold me responsible for the disputed balance and has continued billing me for charges that are largely fraudulent. Furthermore, Barclays has reported late payments to the credit bureaus, negatively impacting my credit score and causing financial harm. My primary concerns are as follows : Failure to properly investigate and resolve reported fraudulent transactions. Failure to provide a written explanation or investigation report despite multiple promises. Closing my account without explanation while an active fraud dispute remained unresolved. Continuing to bill and attempt collection of disputed fraudulent charges. Restricting access to my account while continuing to send communications I can not access. Reporting late payments to credit bureaus related to a disputed balance, causing damage to my credit history. Poor customer service and failure to address my concerns despite numerous attempts to resolve the matter directly. I respectfully request that this complaint be reviewed and that Barclays be required to : Conduct a fair and complete review of the disputed fraudulent transactions. Provide me with a copy of all investigation findings and supporting documentation related to my fraud claims. Remove all fraudulent charges from my account balance. Correct any inaccurate information reported to the credit bureaus, including the reported late payments associated with the disputed amount. Provide a written explanation for the closure of my account. Ensure that I am granted appropriate access to account records and communications relevant to my dispute. I have made every reasonable effort to resolve this matter directly with Barclays but have been unsuccessful. I am therefore requesting regulatory assistance and intervention to ensure that my rights as a consumer are protected and that this matter is investigated appropriately. Thank you for your time and consideration. I am prepared to provide supporting documentation, account records, correspondence, and any additional information necessary to assist with the review of this complaint. Sincerely, 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