Credit card -- Problem with a purchase shown on your statement -- Complaint #8268368
Complaint Overview
Complaint ID: 8268368
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: Massachusetts
ZIP Code: 020XX
Date Received: 2024-02-01T12:00:00-05:00
Date Sent to Company: 2024-02-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I noticed an unauthorized charge for {$62.00} on a credit card ending in XXXX issued from Barclays. This was unsetteling for XXXX reasons - the first was I never activated the card, so no charges should have been allowed on it and the second was I didn't have a subscription to XXXX XXXX Live. I had cancelled it back in XXXX of XXXX. I immediately called Barclays to dispute this and gave them all the pertinent information. I received a letter from Barclays dated XX/XX/XXXX acknowleding the dispute and another letter dated XX/XX/XXXX stating they were awaiting a response from XXXX. In XXXX of XXXX the charge of {$62.00} was reversed and then put back on the card. I started getting charged interest, penalties and late fees for a fraudulent charge on an inactive card!! Very frustrating. I received a letter dated XX/XX/XXXX from Barclays stating that the credit limit on the same credit card was lowered to {$500.00} because it was delinquent. On XX/XX/XXXX, I called XXXX several times and finally spoke to a XXXX XXXX XXXXXXXX We spoke for XXXX XXXX and they informed me they had no record of the credit card on file and that is was fraud. I reported the card as compromised to Barclays and then received a letter dated XX/XX/XXXX stating that the card ending in XXXX has been closed due to suspicious activity. I wrote a letter to Barclays with a copy to the CFPB on XX/XX/XXXX with a full explanation of what happened and Barclays refusal to fix the fraudulent charge on the card ending in XXXX. I then received another letter from Barclays dated XX/XX/XXXX stating that they would not credit my account because they were not provided with the true nature of the dispute when first notified of the claim. This is UNTRUE as I explained the nature in my calls and in my letter. I received a letter dated XX/XX/XXXX saying my account had been closed because it was past due. The Barclays case number for my complaint is XXXX XXXXXXXX.
Frequently Asked Questions
What is Complaint #8268368 about?
Complaint #8268368 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 2024-02-01T12:00:00-05:00.
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.