Credit card -- Problem with a purchase shown on your statement -- Complaint #12179245
Complaint Overview
Complaint ID: 12179245
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: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 90069
Date Received: 2025-02-22T12:00:00-05:00
Date Sent to Company: 2025-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
o Whom It May Concern, I am submitting this formal complaint against Barclays for their refusal to open a billing dispute regarding a charge of {$810.00} from XXXX XXXX, citing an arbitrary and unreasonable submission deadline of 10 days. This refusal is in direct violation of Regulation Z of the Truth in Lending Act ( TILA ) ( 12 CFR 1026.13 ), which grants consumers 60 days from the statement date to dispute a charge. Despite my multiple attempts to contact XXXX XXXX regarding this unauthorized or improper charge, the merchant has failed to respond or provide resolution. As my card issuer, Barclays has a legal obligation to investigate my dispute in good faith and can not impose policies that unlawfully restrict my rights under federal law. I demand that Barclays immediately open a dispute investigation into this charge and comply with its obligations under TILA. Their failure to do so constitutes unfair and deceptive practices under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). If this matter is not promptly addressed, I will have no choice but to escalate my complaint to the Office of the Comptroller of the Currency ( OCC ) and consider legal remedies available to me. I expect a written response acknowledging this complaint and outlining the steps Barclays will take to resolve this matter. Please consider this my formal request for regulatory intervention.
Frequently Asked Questions
What is Complaint #12179245 about?
Complaint #12179245 was filed against Barclays Bank Delaware regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-02-22T12:00:00-05:00.
How did Barclays Bank Delaware respond to this complaint?
The company responded with: "Closed with explanation". 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) 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.