Consumer complaint received 2024-01-31 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: NV

Complaint narrative:
According to Barclay associate, on XX/XX/XXXX at XXXX there was a fraudulent ATM cash advance of {$500.00} that occurred at the above address ( which points out to XXXX XXXX XXXX using my Barclay card with account ending XXXX. I did not personally or have authorized someone make ATM cash advance using this credit card. I was at a XXXX party at that time with coworkers and had the card with me all the time. I have not used the card since XX/XX/XXXX as the card has been paid in full. 

The timeline relating to the incident were : XX/XX/XXXX approximately XXXX XXXX  to XXXX XXXX, I was at home sleeping after a 16 hour shift. I live alone and nobody come to my apartment. 

XX/XX/XXXX at approximately XXXX XXXX, I left my apartment to go to my coworker 's XXXX party. 

XX/XX/XXXX at approximately XXXX XXXX, I arrived at the party. 

XX/XX/XXXX at XXXX XXXX, Barclaycard Ring sent me an email ( which I only read on XX/XX/XXXX ) stating my Barclaycard ending in XXXX is now active and ready to use. This is not possible as that account have been active for a while since XX/XX/XXXX. 

XX/XX/XXXX at XXXXXXXX XXXX Barclaycard Ring sent me an email ( which I only read on XX/XX/XXXX ) stating my PIN was changed on XX/XX/XXXX. It was only XX/XX/XXXX, How can I change a PIN in the future on XX/XX/XXXX? I did not authorize anybody nor myself to change a Barclaycard PIN in the last 6 months. 

XX/XX/XXXX at XXXXXXXX XXXX Barclaycard Ring sent me an email ( which I read the next day, XX/XX/XXXX, which prompted me to report the fraud right away ) flagging my account for possible fraud. 

XX/XX/XXXX at XXXXXXXX XXXX, an ATM cash advance was made using my Barclaycard according to Barclay customer service/fraud department . ( This information was made known to me when I called Barclay on XX/XX/XXXX ). 

XX/XX/XXXX at XXXX XXXX, I read an email about possible fraud, logged to see my Barclay account ending in XXXX and found out there were multiple fraudulent transactions on XX/XX/XXXX from what I remember XXXX, ATM cash advance ( unknown ATM bank ), XXXX, and others amounting to $ XXXX. I immediately called Barclay to dispute this transaction as I have not made them nor authorize anybody to do them. After a few days, Barclay reversed everything and removed the fraudulent transactions. Barclay ordered a new card on XX/XX/XXXX with account ending in XXXX to be sent to me, which I immediately locked using Barclay app so no one can use it. I believe I received the replacement card ending in XXXX on XX/XX/XXXX and remained locked. 

XX/XX/XXXX at XXXXXXXX XXXX, I read a Barclay email telling me to set up an automatic payment. Knowing I did not have any balance as paind my card in full a few months ago last year, I logged in to Barclays only to find out Barclay put the ATM cash advance of {$500.00} ( for XX/XX/XXXX ) and {$3.00} ATM fee ( XX/XX/XXXX ) back to my account. 

XX/XX/XXXX at XXXXXXXX XXXX, I immediately called Barclay to get more information. However, I was told the transaction was valid and that my card was used. I explained to them how it was not possible due to the circumstances and without my authorization when the alleged ATM cash advance happened. I also discussed with them the emails they sent me about fraud and yet they failed to block the account to keep fraud from happening. I questioned them how they failed to alert me via text message as my account was set up to that. Also, Barclay failed to tell me the name of the ATM bank ( but address points to XXXX XXXX XXXX as they said they can not disclose that information. 

I filled a police report to identify the suspect involved in withdrawing cash using my card, even though the card was with me during the incident and did not authorize anybody to use it. I believe that Barclay failed to protect my account even after the fact the account has been flagged for fraud.

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