Date : XXXX XXXX, XXXX From : XXXX XXXX XXXX To : Barclays Bank Delaware Card Services Enterprise Holdings , Inc., XXXX XXXX XXXX, Chairman and CEO CC : Consumer Finance Protection Bureau ( CFPB ) Subject : Credit Card Charge Dispute This letter is to dispute the below described charge and the handling of this dispute by Barclay 's Bank Delaware. In addition, this letter is to file a complaint regarding the handling of this matter by both Barclay 's Bank Delaware and XXXX XXXX. 

On or about XXXX XXXX, XXXX, when making my monthly payment on my Barclays Bank Delaware XXXX Aviator Red MasterCard, I discovered that there had been a fraudulent use of my card. My old account number was XXXX XXXX XXXX XXXX, which has been changed by Barclays Bank Delaware to XXXX XXXX XXXX XXXX, due to the fraudulent use of my credit card , probably by an employee of XXXX XXXX. The amount of the charge was {$200.00} and the charge was initiated on XXXX XXXX, XXXX and posted to my account on XXXX XXXX, XXXX. I immediately called Barclays Bank Delaware Card Services and XXXX and advised both organizations of the fraudulent charge. In reviewing my card statement today, I noted that on XXXX XXXX, XXXX Barclays Bank credited my account with the amount of {$200.00} and then charged my account that same amount on XXXX XXXX, XXXX without advising me of the status of their investigation. 

During the period XXXX XXXX, XXXX through XXXX XXXX, XXXX, I was in XXXX XXXX, Utah and therefore would have been unable to rent a car or truck from Enterprise in XXXX XXXX, XXXX. I had physical possession of the card during the period that I was in Utah and in fact still have possession today ; therefore, my credit card could not have been physically presented by anyone to rent a car. In conversation with XXXX they disclosed to me that the card number was entered manually, which indicates that whoever used the card did not have physical possession. When I rented a truck in XXXX XXXX from XXXX, I used this card and presented my driver 's license, so an employee of XXXX would have been able to keep my card and driver 's license numbers. As you may know when renting a car, one must present both a credit card number and driver 's license. Since I was in Utah and had control of both my card and driver 's license, it would have been impossible for anyone to present my license and card when renting a car. That leads me to the conclusion that only an employee of XXXX could have used my card number, as that person would not have had to present a driver 's license. 

Please properly and thoroughly investigate this matter and keep me informed by telephone or letter. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX 
