Consumer complaint received 2025-01-25 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: OH

Complaint narrative:
This complaint arises from Barclays Banks failure to validate fraudulent charges to my account ending in XXXX by XXXX XXXX XXXX and XXXX XXXX as well as their failure to comply with federal and Ohio state consumer protection laws. 

Fraudulent Transactions by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, led by XXXX XXXX, charged {$4500.00} and Solar CEOs for {$4000.00} to my Barclays account under false pretenses. 
XXXX. No product or service was ever delivered, were any contractual agreement for these charges fulfilled. 
XXXX. Uploaded evidence, including voicemail communications from XXXX XXXX, demonstrates coercion, misrepresentation, and deceptive practices. XXXX conditioned any refund on my withdrawal of disputes filed against the charges, a clear violation of consumer protection laws. 

Barclays Violations XXXX. Failure to Investigate and Validate the Dispute : Despite multiple disputes filed with Barclays, they provided only generic responses and failed to produce legally required documentation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
Barclays has not provided : A signed contractual agreement. 
Proof of services rendered. 
An itemized accounting of charges. 
Their response that the charges are valid without any substantive evidence is inadequate and violates their duty to investigate fraudulent transactions properly. 
XXXX. Improper Reporting to Credit Bureaus : Barclays continued to report the fraudulent charges to credit bureaus despite clear evidence of their invalidity. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits reporting inaccurate or unverified information. 
XXXX. Failure to Address Deceptive Practices by XXXX XXXX XXXX and XXXX XXXX Barclays has facilitated and perpetuated fraud by allowing XXXX XXXX XXXX XXXX XXXX CEOs to process these charges without verifying their legitimacy. 
Barclays inaction in holding XXXX XXXX XXXX and Solar CEOs accountable breaches the Federal Trade Commission Act ( 15 U.S.C. 45 ) and Ohios Consumer Sales Practices Act ( Ohio Rev. Code 1345.02 and 1345.03 ). 
XXXX. Failure to Protect Against Fraud : Under the Electronic Funds Transfer Act ( 15 U.S.C. 1693 ), Barclays has a duty to protect consumers against unauthorized and fraudulent transactions, which they failed to do in this case. 

Uploaded Evidence XXXX. Voicemail from XXXX XXXX : Demonstrates coercion to drop disputes in exchange for a refund, showing bad-faith practices. 
XXXX. Screenshots of Communications : Outline Holgates deceptive tactics and threats to fight disputes rather than refund the charges voluntarily. 
XXXX. Barclays Statements and Responses : Show their failure to provide validation or sufficient evidence to support the legitimacy of the charges. 

Reasonable Resolution Requested Actions XXXX. Refund of {$8500.00} : A full refund of the {$4500.00} fraudulent charges by XXXX XXXX XXXX and {$4000.00} from XXXX CEOs XXXX. Permanent Deletion of Fraudulent Charges and Related Reporting : XXXX and permanent removal of all references to these fraudulent charges from my credit reports. Ensure compliance with FCRA ( 15 U.S.C. 1681i ) to prevent reinsertion. 
XXXX. XXXX XXXX XXXX XXXX and Solar CEOs Access to Barclays XXXX XXXX : Barclays must terminate any business relationship with XXXX XXXX XXXX and Solar CEOs to prevent further consumer harm. 
XXXX. Cease and Desist : Barclays must ensure no further communication or collection attempts related to these charges. 
XXXX. Full Legal Validation : Provide all legally required documentation, including : A signed contract. 
Proof of services rendered. 
Itemized invoices or evidence supporting the charges. 
XXXX. Monetary Damages : Requesting monetary damages of no less than {$25000.00} for financial harm, emotional distress, and statutory damages due to violations of consumer protection laws. 
XXXX. Enforcement Action : Request that the CFPB initiates enforcement action against Barclays for failing to adhere to the Fair Credit Billing Act, Fair Credit Reporting Act, and other applicable laws. 

XXXX Laws and XXXX XXXX XXXX. XXXX XXXX Billing Act ( 15 U.S.C. 1666 ) : Barclays failed to conduct a reasonable investigation of billing errors, violating their duty to verify the legitimacy of the charges. 
XXXX. Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : Reporting inaccurate and unverified information to credit bureaus constitutes a breach of their duty under FCRA. 
XXXX. Federal Trade Commission Act ( 15 U.S.C. 45 ) : Facilitating fraudulent practices by XXXX XXXX XXXX demonstrates a failure to prevent deceptive trade practices. 
XXXX. Ohio XXXX XXXX PractiXXXX XXXX XXXX XXXX XXXXXXXX. Code 1345.02 and 1345.03 ) : XXXX XXXX XXXX engaged in deceptive practices, and Barclays enabled these actions by processing the charges. 
XXXX. XXXX Funds Transfer Act ( 15 U.S.C. 1693 ) : Barclays failed to provide adequate protection against fraudulent electronic transactions. 
XXXX. XXXX XXXX : XXXX v. XXXX XXXX XXXX : Establishes that debt XXXX and banks must validate all debts, including full proof of agreements and services. 
CFPB XXXX XXXX XXXX Barclays : Demonstrates Barclays history of failing to investigate and address consumer disputes adequately. 

Demand XXXX. Refund the full {$8500.00} charge. 
XXXX. Permanently remove the fraudulent charges from all credit reporting agencies. 
XXXX. Ensure full legal validation of any alleged debt and provide all supporting documentation. 
XXXX. Cease all communication and collection attempts. 
XXXX. Pay {$25000.00} in damages for financial and emotional harm. 
XXXX. Terminate business relationships with XXXX XXXX XXXX and XXXX CEOs XXXX. Implement corrective measures to prevent future violations.

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