Credit card -- Problem with a purchase shown on your statement -- Complaint #11888035
Barclays Cardholder Charged for Unrecognized Purchase
Complaint Overview
Complaint ID: 11888035
Company: Barclays Bank Delaware
Product: Credit 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: New York
ZIP Code: 10566
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Phone
Risk Assessment
Risk Level: low
The risk is low as the issue was closed with an explanation, suggesting it may have been resolved or deemed not a valid dispute by the bank.
Consumer Sentiment: neutral
Topics: credit card, unauthorized charge, billing dispute
AI Analysis
CFPB complaint 11888035 was filed against BARCLAYS BANK DELAWARE regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A consumer reported being charged for a purchase they did not make on their Barclays Bank Delaware credit card, and the issue was closed with an explanation. The complaint was received on January 31, 2025 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their statements for any unauthorized charges and dispute them promptly with their credit card company.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit cards.
Regulatory Insight
Banks are required to investigate billing disputes and provide explanations for their decisions, adhering to regulations like the Fair Credit Billing Act.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In New York, consumers have rights regarding billing disputes and unauthorized charges on their credit cards.
Industry Comparison
This is a common issue across the credit card industry, with varying resolution times and customer satisfaction levels.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11888035 about?
CFPB complaint 11888035 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Card was charged for something you did not purchase with the card". This complaint was filed against BARCLAYS BANK DELAWARE on January 31, 2025.
Which company is complaint 11888035 filed against?
Complaint 11888035 was filed against BARCLAYS BANK DELAWARE. You can view all complaints against this company on their profile page at /company/barclays-bank-delaware.
What was the company's response to complaint 11888035?
BARCLAYS BANK DELAWARE responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11888035 filed?
Complaint 11888035 was received by the CFPB on January 31, 2025. It was sent to BARCLAYS BANK DELAWARE on January 31, 2025.
What state was complaint 11888035 filed from?
Complaint 11888035 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 11888035?
Dispute information is not available for complaint 11888035.
What product category is complaint 11888035 about?
Complaint 11888035 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 11888035 submitted?
Complaint 11888035 was submitted via Phone. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11888035?
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit cards. This relates to a Credit card complaint against BARCLAYS BANK DELAWARE involving "Problem with a purchase shown on your statement".
How likely is complaint 11888035 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11888035?
This complaint is rated as low risk. The risk is low as the issue was closed with an explanation, suggesting it may have been resolved or deemed not a valid dispute by the bank.
What regulatory actions apply to complaint 11888035?
Banks are required to investigate billing disputes and provide explanations for their decisions, adhering to regulations like the Fair Credit Billing Act. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 11888035?
Consumers should carefully review their statements for any unauthorized charges and dispute them promptly with their credit card company.
Are there state-specific protections for complaint 11888035?
In New York, consumers have rights regarding billing disputes and unauthorized charges on their credit cards. This complaint was filed from New York.
How does complaint 11888035 compare to industry norms?
This is a common issue across the credit card industry, with varying resolution times and customer satisfaction levels.
What steps should a consumer take if they discover a charge they don't recognize on their credit card statement?
Contact the credit card issuer immediately to report the unrecognized charge and initiate a dispute. Keep records of all communication.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It usually means the company provided a response or resolution to the consumer's issue, which the consumer may or may not agree with, but the company has formally closed its internal review.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.