Credit card -- Fees or interest -- Complaint #17986320
Barclays Credit Card Fee Dispute Leads to Closed Account
Complaint Overview
Complaint ID: 17986320
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: Arkansas
ZIP Code: 72740
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Risk Assessment
Risk Level: medium
Disputes over credit card fees can escalate, potentially leading to account closures and impacting a consumer's creditworthiness.
Consumer Sentiment: negative
Topics: Credit card fees, Account closure, Dispute resolution
AI Analysis
CFPB complaint 17986320 was filed against BARCLAYS BANK DELAWARE regarding Credit card (General-purpose credit card or charge card), specifically about "Fees or interest". A consumer filed a complaint regarding a problem with fees on their general-purpose credit card issued by Barclays Bank Delaware, which was closed with an explanation. The complaint was received on October 31, 2025 from Arkansas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card statements for any unexpected fees and contact the issuer immediately to dispute them.
Legal Context & Consumer Protection Laws
Credit card companies must adhere to regulations regarding fee disclosures and dispute resolution processes.
Regulatory Insight
This case highlights the importance of clear fee structures and transparent communication from credit card issuers to avoid consumer dissatisfaction.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Arkansas, indicating potential state-specific consumer protection considerations.
Industry Comparison
Fee disputes are a common issue in the credit card industry, affecting many consumers annually.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17986320 about?
CFPB complaint 17986320 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Fees or interest", specifically "Problem with fees". This complaint was filed against BARCLAYS BANK DELAWARE on October 31, 2025.
Which company is complaint 17986320 filed against?
Complaint 17986320 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 17986320?
BARCLAYS BANK DELAWARE responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 17986320 filed?
Complaint 17986320 was received by the CFPB on October 31, 2025. It was sent to BARCLAYS BANK DELAWARE on December 17, 2025.
What state was complaint 17986320 filed from?
Complaint 17986320 was filed from Arkansas. You can view all complaints from this state at /state/AR.
Was the consumer satisfied with the resolution of complaint 17986320?
Dispute information is not available for complaint 17986320.
What product category is complaint 17986320 about?
Complaint 17986320 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 17986320 submitted?
Complaint 17986320 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17986320?
Credit card companies must adhere to regulations regarding fee disclosures and dispute resolution processes. This relates to a Credit card complaint against BARCLAYS BANK DELAWARE involving "Fees or interest".
How likely is complaint 17986320 to be resolved?
Resolution likelihood: mixed. 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 17986320?
This complaint is rated as medium risk. Disputes over credit card fees can escalate, potentially leading to account closures and impacting a consumer's creditworthiness.
What regulatory actions apply to complaint 17986320?
This case highlights the importance of clear fee structures and transparent communication from credit card issuers to avoid consumer dissatisfaction. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 17986320?
Consumers should carefully review their credit card statements for any unexpected fees and contact the issuer immediately to dispute them.
Are there state-specific protections for complaint 17986320?
The complaint originated in Arkansas, indicating potential state-specific consumer protection considerations. This complaint was filed from Arkansas.
How does complaint 17986320 compare to industry norms?
Fee disputes are a common issue in the credit card industry, affecting many consumers annually.
What specific fees were disputed by the consumer?
The provided data does not specify the exact fees in question, only that there was a 'Problem with fees'.
What was the 'explanation' provided for the account closure?
The nature of the explanation given by Barclays Bank Delaware for closing the account is not detailed in the provided information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.