Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6162839
Complaint Overview
Complaint ID: 6162839
Company: Barclays Bank Delaware
Product: Credit card or prepaid 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: Nevada
ZIP Code: 89117
Date Received: 2022-11-03T12:00:00-05:00
Date Sent to Company: 2022-11-03T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XX/XX/2022 I noticed fraudulent charges to my card for {$5300.00}. These charges were from unsolicited promotional account checks that were stolen from my mailbox. We had received a notification from our HOA that our mailbox had been broken into during the time that these charges occurred. My girlfriend had also had to dispute fraud charges resulting from similar unsolicited promotional account checks having also been stolen from the same mailbox. I don't use this card often and prior to the fraud charges, the balance was at or near XXXX. I never received a potential fraud notification from Barclays. I called Barclays and reported this as fraud. I was told I would receive a written followup of some sort within three billing cycles. I never received any written communication within this time frame. However during this same time frame, I received numerous collections calls from Barclays and then a collection agency. Per my understanding of FTC regulations, " The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I wrote to the collections agency telling them this debt was in dispute and to verify the debt. Only then in XXXX did I receive a letter from Barclays stating that they denied the fraud claim. No information about an appeals process was given. I believe Barclays did not follow correct procedures for handling my fraud dispute. I did not receive a written notice within 30 days of my claim. Barclays did take action to collect the disputed amount during the investigation, including involving a collections agency. The creditor did report me as delinquent and this has severely impacted my credit report. They did not resolve the investigation within the stated time frame.
Frequently Asked Questions
What is Complaint #6162839 about?
Complaint #6162839 was filed against Barclays Bank Delaware regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-11-03T12:00:00-05:00.
How did Barclays Bank Delaware respond to this complaint?
The company responded with: "Closed with monetary relief". 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 or prepaid 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.