Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
This letter is submitted in support of my ongoing fraud investigation, Case Number XXXX with Barclay Card US, regarding unauthorized charges made to my account. I have provided verifiable, system-level evidence that confirms my physical location and professional activity on both XX/XX/year>, and XX/XX/year>, thereby demonstrating the geographic impossibility of my involvement in either transaction. BarclayCardUS has denied this is fraud and has closed the claim despite XXXX XXXX Police Department opening a case file. 
( # XXXX ) Overview of Events The charges in question occurred on XX/XX/year> ( XXXX ) for {$98.00} and XX/XX/year> ( XXXX ) for {$98.00}, both processed at physical locations over XXXX hours from my residence. Barclay disputes this and says it was physical swipe. I am single and no one has access to the card. 
I reported these charges as soon as they were discovered, within the 60 day window and closed the card. 
On each date, I was working from my home office developing materials for a national medical education course. 
XX/XX/year> ( XXXX ) File-Based Documentation of Course Development XXXX. Timestamped File XXXX XXXX XXXX XXXXecture file titled " Introduction to XXXX XXXX with XXXX XXXXpptx '' was : o Created : XX/XX/year> o Last Modified : XX/XX/year> at XXXXXXXX XXXX XXXX Accessed : XX/XX/year> to show version history File properties show : o Exclusive authorship under my personal OneDrive account o Document created and edited locally from my home system XXXX. XXXXXXXX XXXX Version History Internal version tracking shows : o Edits on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and into the afternoon o Evidence of sustained interaction throughout the morning and early afternoon 3. Screenshot and Path Evidence File path screenshots confirm : o Document was created and stored inside a teaching folder named " XXXX XXXX XXXX on my hard drive o No evidence of file syncing, editing, or access from any outside location ________________________________________ XX/XX/year> ( XXXX ) Timestamped XXXX XXXXranscript Activity XXXX. XXXX XXXX XXXX I use XXXX as a key component of my live course preparation process. 
On XX/XX/year>, I engaged in multiple structured content drafting sessions tied to the same curriculum above. 
Metadata logs show : o A XXXX response created at XXXXXXXX XXXX on XX/XX/year> ( epoch time : XXXX ) o The data is taken directly from the raw export .json system file, not altered or edited post-download. I can reproduce this on demand. 
XXXX. Desktop File Capture Supporting screenshots show : o Export timestamps and session naming consistent with course content development o Content Redaction and Consistency The content of the XX/XX/XXXX transcript has been intentionally redacted in the included screenshots due to private clinical case structure, but the XXXX is intact. 
The visual timestamps and machine-generated file paths confirm XXXX platform XXXX on XX/XX/XXXX during the same timeframe as the disputed charge. 
________________________________________ Conclusion The documentation submitted here confirms I was : Present and active on my home workstation during both transaction windows Engaged in a continuous curriculum development process for a published, live medical course ( verifiable online ). 
Not in proximity to the charge location, and never authorized the purchases in question All screenshots and metadata are available in high-resolution, if needed in digital or printed form as well as a copy of the police report.

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