Credit card -- Fees or interest -- Complaint #16432606
Complaint Overview
Complaint ID: 16432606
Company: Barclays Bank Delaware
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: New York
ZIP Code: 10003
Date Received: 2025-10-07T12:00:00-05:00
Date Sent to Company: 2025-10-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, Barclays Bank Delaware notified me that my XXXX XXXX XXXX XXXX XXXX would be cancelled if I did not use it within 30 days. I did not use the card during that period and relied on Barclays representation that the account would be closed automatically. On XX/XX/year>, Barclays charged a {$99.00} annual fee to the account and then treated that self-initiated charge as activity to avoid cancellation. I did not authorize or initiate this charge. When I called to dispute it, customer service stated that I would have to cancel the card myself or pay the fee, contradicting Barclays written cancellation notice. I am disputing this under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and request that Barclays : Reverse the {$99.00} fee and any related interest or late charges ; Confirm that the account was closed by Barclays, consistent with the XXXX cancellation notice ; and Confirm that no negative information will be reported to credit bureaus in connection with this dispute. Barclays has the relevant records showing its XXXX cancellation notice, the XX/XX/XXXX charge, and my subsequent customer-service call.
Frequently Asked Questions
What is Complaint #16432606 about?
Complaint #16432606 was filed against Barclays Bank Delaware regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-10-07T12:00:00-05:00.
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.