Consumer complaint received 2026-07-08 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: NY

Complaint narrative:
On XX/XX/XXXX, my first day in XXXX XXXX I received a fraud alert from XXXX credit card stating that my JetBlue Card ending in???? a charge for zettle_ * store booking was approved on XXXX if valid. Reply N if not valid. I contacted Barclays and cancelled my card. When I got home I googled zettle. Acording to Artificial intelligence, XXXX states- XXXX ( formally XXXX and now branded as XXXX XXXX of sale ) is a financial technology platform that allows small and growing business to accept in-person payments, track sales and management inventory. Acquired by pay pall in XXXX, it operates as an omnichannel point of sale solution. XXXX goes on to explain business can use a portable XXXX reader or pay pal terminal to accept chip, pin and contactless payments. My entire knowledge of XXXX comes from gogeling it when I got home. The charge for XXXX appeared on my statement It was {$250.00} euros converted to {$280.00} I disputed the charge. To paraphrase my dispute letter to Barclays, I began with the heading -Details of Fraudulent Charge- I explained The date and time for charge, I then go on to explain that my entire knowledge of XXXX comes from researching it on line and provide what my research told me. I then explain that My card was used at a coffee shop and a taxi cab. Those charges are legitimate and appear on my bill. I then mention the possibility that the fraudulent charges were probably put through from those locations. I explain after I got the fraud alert from Barclays, I immediately closed the account and the cards were destroyed. I then under the heading Request for a refund please refund the fraudulent charge for XXXX On XX/XX/XXXX I received a letter from Barclays XXXX XX/XX/XXXX that stated thank you for notifying us of your billing dispute with zettle * store booking amount on XX/XX/XXXX. To further Assist us with this claim, we require additional information or documentation listed below If we do not receive the information within XXXX billing days from the date of the letter, we will consider this matter resolved. Detailed description of merchandise or services. Dates and details of merchant efforts and their responses. Problems : The letter is dated XXXX days before I received it. How do I receive a detailed description of fraudulent charges I never made. I cant describe merchandise that I never knew of ordered or received. I learned of it through Barclays fraud alert text. I stated I did not order anything and thought it was fraud. Regarding Dates and details of merchant efforts and their responses. What merchant, the third party app. Try and spot the same cap driver in XXXX XXXX? Run back and confront the coffee shop people? Ask them, By any chance with my coffee and croissant, did you put in a charge for exactly {$250.00} euros in addition to my {$19.00} charge? The only other place I used the card was at the hotel. There was a charge for XXXX XXXX for some XXXX XXXX tax. Did they use a third party app after all the charges appeared on my credit cards directly. It seems unlikely I called Barclays after the letter and pointed this out to them. They held up researching my situation for details I could be reasonably expected to provide. They mentioned to me this should be a fraud investigation and transferred me to the fraud people. Odd a letter with the heading Details of fraudulent charges was not investigated as a fraud. Odder that I thought I thought I was starting a fraud investigation when I called Barclays from XXXX. Even more odd, Barclays statement tells you what to do for a billing dispute but is silent about fraud. On XX/XX/XXXX I get a letter from Barclays. It provides a merchant name * zettle booking transaction date XXXX Transaction amount {$280.00} The letter states we issued a provisional credit to your account for the full disputed amount while we investigated this activity. We have completed our investigation and have determined the activity is valid because the card was as identified as being in your possession and chip card technology was used, which can not be counterfeited. As these transactions are valid the provisional credit has been reversed and the amount owed has been placed back on your account. If a coffee shop ran my card twice, a second time for {$250.00} euros exactly or cab driver ran my card twice, would I even know what the action of doing that looks like? Has anyone figured out what was allegedly purchased for exactly XXXX euros ( {$280.00} ) Does the purchase make sense? Where did the money go. A cab drivers personnel account? Whose XXXX account did it go to? Is the account a frequent recipient of fraud charges and thats why Barclays sent me the fraud text? It was Barclays that brought it to me attention. I appealed the fraud determination through Barclays and spoke to an XXXX who stated the decision would be appealed and they would notify me by mail. They gave me an appeal number of 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