Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5681182
Complaint Overview
Complaint ID: 5681182
Company: Barclays Bank Delaware
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: North Carolina
ZIP Code: XXXXX
Date Received: 2022-06-17T12:00:00-05:00
Date Sent to Company: 2022-06-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
**Please also see complaint ID XXXX of the {$200.00} cash advance charges ( with interest fees ) that was referenced and seemingly resolved with that complaint which closed in XX/XX/XXXX has re-appeared, with interest, to my XX/XX/XXXX statement. ** On XX/XX/XXXX, I noticed two suspicious charges to my Barclaycard CashForward Mastercard, both with a transaction date of XX/XX/XXXX, so I contacted Barclays ( XXXX ) to dispute the charges and to notify them of unauthorized activity on my account. The unauthorized charges were for two cash advances in the amount of {$200.00} each taken out and charged toward a XXXX XXXX XXXX. There were also two {$10.00} cash advance fees associated with the unauthorized transactions that I was disputing ... a total of {$420.00} worth of unauthorized transactions. The representative took my information, issued a new replacement credit card number, opened a case with Barclays fraud department ( Case ID : XXXX ) and placed a provisional credit back on my account. When I next checked my online account information, there was only a provisional credit of {$210.00} ( half of the total unauthorized transactions ) so I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX before finally getting a representative to place a provisional credit for the remaining unauthorized {$210.00} on my account ( Case ID : XXXX ). On XX/XX/XXXX I received an email from XXXX ( XXXX ) stating that on XX/XX/XXXX, XXXX XXXX XXXX ( a company that I have purchased from in the past ) became aware of a potential data security incident and partnered with XXXX to do independent computer forensics as part of an internal investigation. On XX/XX/XXXX, the investigation determined that payment card information was obtained without authorization on XX/XX/XXXX, and on XX/XX/XXXX, the investigation determined that my payment card information including my name, address, payment card number, expiration date, and payment card security code may have been obtained. This information, coinciding with the unauthorized transactions on my Barclaycard Mastercard account on XX/XX/XXXX, leads me to believe that my card information was indeed obtained in the XXXX XXXX data breach and then used to take out the cash advances for XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from Barclays stating that their fraud investigation was complete and they found the disputed activity to be valid, thus they were reversing the provisional credit ( s ) and placing the amount owed back on the account. They also attached an additional {$5.00} interest charge on the cash advances to my account. On XX/XX/XXXX, I called the XXXX number on the letter and spoke with a representative in Barclays fraud department who stated that their investigation showed that my card, which was never out of my possession, had to have been present at the time of the cash advances taken out with XXXX XXXX XXXX. The representative told me that my only recourse was to contact XXXX XXXX XXXX at XXXX and dispute the charge with XXXX XXXX. When I called the XXXX XXXX number the representative stated that I would have to contact the fraud department but there was no telephone number for that department and I would need to send an email to XXXX. My efforts to get the fraudulent charges and associated fees was finally removed and credited back to my account after filing a complaint with the CFPB ( complaint id XXXX ) and a representative with the office of the president contacted me, took my information and within a short period of time, resolved the problem. Upon checking my XX/XX/XXXX statement, however, a {$200.00} cash advance charge re-appears with, again, a transaction date of XX/XX/XXXX ( XXXX ) and posting to my account on XX/XX/XXXX. In addition to the {$200.00} cash forward charge is a {$7.00} interest charge. I reiterate, again, that I have never taken out a cash advance, and the XX/XX/XXXX transaction date can not be a coincidence. This is a second strike in my book against Barclays, as I thought that this had finally been resolved in XXXX after my initial complaint and its ( seeming ) resolution.
Frequently Asked Questions
What is Complaint #5681182 about?
Complaint #5681182 was filed against Barclays Bank Delaware regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-06-17T12:00:00-05:00.
How did Barclays Bank Delaware respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Barclays Bank Delaware?
Yes, visit the Barclays Bank Delaware company profile at readthecomplaint.com/company/barclays-bank-delaware to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.