BARCLAYS BANK DELAWARE

2019-09-06

New Port Richey, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Avalon, NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Boston, MA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Around XXXX on XX/XX/2019 around XXXX XXXX XXXX XXXX, MA XXXX, I crashed and totaled my car. I called around to see which towing company could tow my car home so I could deal with both the car and insurance in the morning. Only Road Assist " XXXX XXXX '' picked up. They asked me to sign a document and pay ahead of the service and that once payment was confirmed, I could go home and wake up with the car in front of my house. Unfortunately, upon waking up at XXXX, my car was nowhere to be found.I called them to ask them where my car was. Turns out, this is a third-party towing company ( or even a fake onee ) with zero towing trucks of their own. They have since closed down their business/their phone number is filled to the brim with voicemails. They make money by having desperate people call them and then calling actual towing companies to tow callers ' car and taking a portion of the payment, which is why they ask for payment upfront. ow do I know that? Because the man that they sent to tow my car couldnt find my car and called me. I asked him what company he worked for and why he came to the site at around XXXX, when I had asked for my car to towed at XXXX. He replied that he had gotten the call from Roadside Assistance at around XXXX, strangely around the time I called them in the morning asking where my car was and not when I called them initially to have my car towed. I believe his man is probably the one that signed the receipts at XXXX with the XXXX ( check? ) signature that they are touting as me signing the receipt and paid without any issues. Even if I ever wanted to sign a quick signature, itd be at the least the XXXX portion of my signature and not a XXXX. I XXXX to where my car was crashed at around XXXX after hearing that the man they sent couldnt find my car and in fact, couldnt find the car. I spent the next 2 hours trying to find out where my totaled car had gone, calling multiple police lines and different towing companies. It turns out police had towed my car at XXXX to XXXX XXXX yard. I had to then go there, sign, and then pay both the tow to the yard and to have my car towed to the garage to be inspected. I have attached the receipts. So not only did this company not even attempt to tow my car in the morning when I called, the person they called arrived so late that they were 5-6 hours past my car being towed. I call the merchant politely asking for a rightful refund, as I had not received the services they had promised, and at this point I was on track to pay 3 different towing expenditures, one of which had not even seen or touched my car. They asked for a {$100.00} fee for their time and having sent out a man to the site. They did in fact send a man, yes, I wont deny that. But they sent the person 5-6 hours after my car got towed and then did not do anything. Is that my fault that I have to pay for their negligence and lousy work? At this point, I opened up a dispute case with my credit card company, Barclays US, who unfortunately had just as much negligence on their part handling this case. After getting off the phone with Barclays, they said they would handle it. I did not hear from them until 3 months later, XX/XX/XXXX saying that they had decided in the merchant 's favor. Not once did Barclays US ever communicate to me, by mail, phone, or email asking me for my evidence. Our only interaction was late XXXX when I opened up a dispute on the transaction. The XX/XX/XXXX letter, dated XX/XX/XXXX, said I had 10 days to reply with my counter evidence to the merchant 's " evidence. '' I've since have been trying to get Barclays to reopen the dispute but they refuse to since I replied " too late. '' The merchant sent in forged signatures and a " job completed '' screenshot of their logs. I received a service call from Mr. XXXX XXXX, arrived at his location and provided him with the price and scope of the service prior to starting. He agreed to our terms of service and authorized the work, I completed the job to the customers satisfaction and he signed the attached receipt and paid without any issues. Yes. He did indeed receive a service call from me, Mr. XXXX XXXX. This proves that he never once saw my credit card in person nor me in person as we only had contact over the phone and he had misheard my name. No, he did not arrive at my location and provide me with a price. He told me the price over the phone and that I had to pay online prior to him getting a person out to my location. No, he did not actually come out in the end, he hired another towing company to do so the next morning. He did not complete the job as my car did not end up in front of my house. I did not sign the attached receipt because I was never there at XXXX. I had come only after the man they sent couldnt find my car and went home. The only person that signed that receipt was probably the towing company they had hired. I was asked to pay PRIOR to starting, simply look at the time when the credit card was charged. Also paid without any issues? I contacted him with many issues after the job was complete. This company must be withholding the multiple phone calls I had asking where my car was, asking if they could cancel their lousy service, and asking if they could cancel the charge because they didnt even touch my car and that it had been towed by police. He did not attempt to call me of recent. In fact, they were rude when I originally had called for a refund before the dispute. A copy of a job complete from their very own system? Of course, theyre going to mark it off as complete and not incomplete. It is absurdly biased evidence. Also note that they admit that I called at XXXX and they completed their job at XXXX. Really? 8 hours later? My car got towed at XXXX. The fact that my car ended up at XXXX XXXX in XXXX XXXX is enough proof that this company never touched my car. There would be no chance that I would purposefully tow my car to XXXX XXXX yard, to tow it back home only to dispute my charge with this company. I wish there was a way to have these indecent people punished. I should honestly be taking {$200.00} from them instead of them trying to. They have intentionally fabricated fraudulent evidence in a shameless attempt to deprive me of my funds and honestly should be prosecuted in one way or another. Please see attached copies of my signature and copies of the receipts of my car actually being towed by XXXX XXXX at XXXX. The Merchant claims my car was towed at XXXX. I have been scammed by this lousy " towing company '' and Barclays US has been a negligent bank that won't stand up for its customer. I have asked Barclays to reopen my case 3 separate times but they have insisted that I have replied too late. Simply said, they sent a letter dated XX/XX/XXXX, after allowing the merchant to respond, I received it XX/XX/XXXX and replied XX/XX/XXXX, but Barclays just insists that I replied too late. I never had a chance to present my evidence or case and feel I have been unfairly scammed by two different companies. I have asked for certain documents from Barclays US but while they insist theyve sent it, its been months since. If you could, please ask Barclays US for the merchant 's " evidence. '' and compare their times, dates, receipts, and signatures to what I have attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Oxford, GA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: 1. made a electronic payment thru my bank XX/XX/XXXX for {$120.00} 2. The account # that I sent the payment to had been closed in XX/XX/XXXX and sold to another bank. 3. Contacted current account and explained situation, they directed me to the bank I made payment to 4. That bank said the account is closed and directed me to my financial institution I use to reverse the payment 5. The financial Institution tried 3 times and all were declined by the receiving bank. 6. Contacted the bank again and they said the process is to contact the bank that now holds my credit card to start an investigation. He assured me this was the process 7. Called the current bank to start the investigation and he said he would but he could see no way to get the money from the receiving bank and again directed me back to the first bank. He did however, start a case. Am to receive a letter in the mail. 8. I have been going back and forth with these 2 banks since XX/XX/XXXX my first initial inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Tatum, NM

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Five Points, NC

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account status incorrect
Complaint: Agent from the company ( Barclaycard US ) provided incorrect information and improperly set up automatic draft payments which lead to late payment balance even though payment where completed as agreed. Company reported late payment to credit bureaus, recognizes that the agent made a mistake in the arrangement, however refuses correct negative reports to credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-09-05

Marshville, NC

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

Wichita, KS

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: On XX/XX/19 and XX/XX/19, I was charged return payment fees of {$27.00} each for attempting to pay off my balance through what I thought was my bank account. After talking to customer service, it was a random XXXX XXXX XXXX XXXX account that was connected to my XXXX Visa Barclays Card account in addition to my regular bank account. They removed the account but did not refund the return payment fees nor provide an explanation of how the XXXX account was on my account. On XX/XX/19, I call again about this issue and they refunded my return payment fees, but no explanation regarding the random XXXX account. During the same phone call, I get transferred to credit services to inquire about a credit line increase. I ask for a credit line increase from {$500.00} to {$2000.00} per month. The customer service agent does a hard pull on my credit which I consented to, asks for my income, and rejects me because of a brand new return payment fee that he says is on XX/XX/19 ( which is in the future! ) on my XXXX Visa Barclays card account. He transfers me to someone else whom I can ask questions to about this fee, but this new agent does not see that return payment fee on my account. I do not see it on my account or any of my other credit card accounts either. I call once more and the new customer service agent also does not see this on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

Bel Alton, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

Scottsdale, AZ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I received a call today XXXX, regarding an Issue going back until XXXX. I was advised to call back XXXX, and reference case number XXXX. First rep was rude, no help and hung up on me while waiting for a supervisor. Called back explained everything to XXXX, she could not help. Was transferred to XXXX employee id XXXX, she did not know anything. I asked about the XXXX charge that is disputed on the statement that the company can not explain. XXXX told me she could not help and it was valid charge, although her nor anyone at Barclays could tell me why. She said she has no boss, and answers to know one. Really? No boss? I guess there is not an office of the president, CEO, board members etc ... ... .. THIS COMPANY IS ACTING FRAUDULENT AND ADVISING ME TO PAY SOMETHING NO ONE CAN ADVISE TO, OR SHOW A PAPER TRAIL WHY IT IS DUE???????????????????????????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

Fort Worth, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-03

Boston, MA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-03

Eastchester, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: As I was working on my taxes ( XX/XX/2019 ), I identified multiple charges that I did not authorize from a company called XXXX XXXX XXXX, XXXX NY. Since I was not familiar with this company, I contacted XXXX ( Barclay ) to inquire. On my first call, I asked XXXX ( Barclay ) for contact information for this company, as I could not find an online presence for this company ( they never provided it ). When I reviewed my bills further, I identified a total of 7 charges on two statements for a total of {$4700.00}. This prompted the second call to XXXX to identify it as fraud. Please note some charges were executed on the same day. I was informed by customer service to circle the charges on my statement and fax the statements to the company. This was done promptly. When I called back in about two weeks, I was told they did not have the statements and to refax to a different fax number at the company. I promptly did this as well. When I called to follow up, I was told that my claim was denied. No reason was given. I was told a letter was sent informing me of the denial. I never received a denial letter from XXXX. This is one of multiple occurrences of unethical and unbussinesslike conduct by the bank that I've experienced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-09-03

Nyc, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Complaint: Though there was a $ XXXX/yr membership fee for the Barclays XXXX XXXX credit card, Barclays promised a one-time XXXX bonus miles if you spend {$2000.00} on the card within 90 days of having the card. I spent {$2000.00} within 90 days of account approval ( " XX/XX/2019 to XX/XX/2019 '' ), but I didn't get the bonus miles. When I enquired, Barclays said their account opening date was when you submitted the application form, " XX/XX/XXXX '', not the date when you were approved to use the credit card account, " XX/XX/XXXX. If the date to be considered is less than XX/XX/XXXX, I would be a few dollars short for qualifying for the XXXX bonus miles. For consideration, I reported to Barclays that I was unable to use the credit card for about 30 days of the 90 days period because the chip on the Barclay 's credit card stopped working in XXXX. As I was traveling, I did not received the replacement card till a month later ( end of XXXX ). The faulty credit card was refused by the various merchants because it was a " chip card '' ; the merchants refused to manually enter the credit card details. I ended up using a XXXX credit card during this time period. Barclays rejected the request to extend the date count for usage handicap period. I then tried to cancel the card and get a partial refund of the membership fee ; especially since Barclays was quibbling on the dates in order not to grant the bonus miles. Barclays refused to refund the membership fee. Would you be able to help me investigate their account policy in relation to these bonus miles? Barclays should not count dates when you're unable to use their credit card. If Barclays does not honor their advertised bonus miles, clients should be able to cancel the Barclays card and get back the membership fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-09-03

Poplar, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-02

Hiawassee, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-31

Fort Pierce, FL

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account status incorrect
Complaint: Barclays credit card account, Barclays offers a lock card feature that disables any charges from being made to your credit card when enabled. I enabled this feature on one of my Barclays credit cards on XX/XX/2019. In May there was a fraudulent charge made against my Barclays credit card that was locked. Barclays never contacted me regarding this. On XX/XX/2019 Barclays reported my account delinquent to all 3 credit bureaus, causing my credit score to drop between 80-100 points ( depending on the bureau ). I got an email notification that my score dropped and started checking all of my accounts. I finally checked my Barclays locked credit card, thinking it couldnt be this card because it is locked. Well, it was that card. Immediately I called Barclays to find out whats going on. The customer service representative I spoke to acknowledged their mistake. He couldnt determine how or why my card was charged while it was locked but admitted it was a security flaw on their end. He told me all fees would be reversed and I wasnt held liable for the fraudulent charge. He also issued a new card with new card number. A few days later I checked my account and the new credit card was now unlocked but the late fees remained. I locked the card, and then called Barclays again. After waiting on hold for over 30 minutes I spoke to another customer service representative who again apologized for the inconvenience, and reversed the late payment charges. I raised the concern that I would like these updates to be reflected on my credit report since their initial reporting was 100 % inaccurate and false and my credit score dropped significantly. She told me that if I have any account disputes that I needed to submit them to the credit bureaus. I feel this is wrong and I, the consumer, is the only one paying the price for Barclays mistake. Barclays clearly states in the lock card disclaimer that no charges can be made to this card without unlocking it or my approval, this includes fraudulent charges. Barclays clearly allowed a fraudulent charge against my credit card that was locked for 3 months prior. The fact that Barclays quickly reported my account delinquent/negative but would not take any steps in fixing their mistake is a problem for me. Ive worked very hard to improve my credit and credit score and I feel very wronged as a consumer when I didnt do anything to cause the negative impacts and Barclays takes no accountability to correct their mistake. I would like my credit score and my credit report to have these negative marks removed permanently, and I would like my credit score restored the what it was prior to the fraudulent negative remarks. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-30

NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Received a charge on my XXXX XXXX XXXX Mastercard sponsored by Barclays Bank, Delaware, credit card statement Period XX/XX/2019-XX/XX/2019. There was a charge with Transaction date of XX/XX/2019 and posting date of XX/XX/2019 for a transaction in XXXX Florida, XXXX XXXX. We were in New Jersey working on that date. We called the credit card company to dispute the charge on XX/XX/2019 and spoke with XXXX at XXXX, they cancelled the Credit card and put it in as a dispute. We paid the balance of the monthly bill due. We also requested a copy of the transaction showing our signature. We received a letter dated XX/XX/2019 stating " After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity ''. In the same mail we received another letter dated XX/XX/2019. The letter stated " Our research has indicated that the transaction is valid. The transaction has therefore been placed back on your account. If applicable, interest and other charges related to the disputed amount will accrue on any unpaid portion of this amount, '' You can see our confusion so we called back and spoke with XXXX, who would not give us an employee number, and were told it was from a charge on XX/XX/2019 and that they can change the Transaction date whenever they desire. We still do not have a valid copy of the charge slip and feel that this company is not going to send one. When we called the number XXXX, and spoke with XXXX they said that the Merchant can change the transaction date when they want. How can a consumer check their transactions on a credit card if the Merchant can change the dates at will. We can understand the posting date being different but not the Transaction dates. Especially making it almost 30 days later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-30

Charlotte, NC

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Complaint: I used to have 3 credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the 3 cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. I just paid the annual fee of {$89.00} for the arrival plus card in XX/XX/19 and have XXXX awards miles which are worth approximately {$4300.00} if they are redeemed towards travel expenses, hotels, airfare, etc. I have accumulated these points over last 2 years while paying annual fee for the card and was planning to redeem them for travel expenses.I feel that Barclay Card was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points for their full value. I would like to seek your help to get back my rewards of {$4300.00} and annual fee of {$89.00} from Barclay bank, a total of {$4400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-30

Fdl, WI

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-30

Lompoc, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-29

Watkins, CO

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I applied for a Frontier Mastercard in the last week of XX/XX/2019. I had to call after booking my flight because I was denied in the web application and I knew that was a mistake since my FICO and credit score were both very high and I always pay my bills on time. I was approved when I called and subsequently called back to make sure i was getting the advertised promotion, XXXX bonus miles after a {$500.00} spend within the first 90 days. I spoke to XXXX in the customer service department that day, who confirmed I would be getting XXXX bonus miles, he also confirmed the annual fee of {$79.00} ( which is fine ) and the {$100.00} flight voucher every year when reaching a minimum spend ... It's funny because I was also entitled to the flight voucher within 30 days but my card didn't arrive in the mail before my flight to XXXX XXXX so I basically had to forfeit my {$100.00} .... Already an annoyance but technically not fraud. The customer service agent on I spoke to about my XXXX bonus miles WHEN I OPENED MY ACCOUNT had an identifier of " XXXX '' ( named XXXX ) and I spoke to him at XXXX MST on XX/XX/XXXX via telephone. I asked if he would send me any kind of confirmation of the XXXX promotion and he said there would be no need. Great. Well, the liars and thieves at BarclayCard only gave me XXXX miles and said that was the promotion at the time I applied when I called them yesterday ( XX/XX/XXXX ). LIES. I want them to review the phone call and HONOR what I was TOLD when I called. They refused to let me speak to a supervisor yesterday, hung up on me, and then responded to my online complaint that I don't know what I am talking about. But I demand a transcript of my call with XXXX if they are not going to honor what was discussed. The current promotion is actually XXXX miles so really they're just being cheapskates by not giving me the XXXX. I was supposed to have gotten my first flight for free too ( well, {$100.00} off ... ) but I'm not even complaining about THAT since I get the card in the mail before my first flight so I'm not worried about that ( since those terms were not met ), but I am only worried about the XXXX miles being basically stolen from me and Barclays lying over and over again about it. This is so wrong and I feel so cheated and it is ILLEGAL TO DO THIS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-08-29

Discovery Bay, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I sent Barclay 's Bank a payment of {$4000.00} with 4 money orders in the amount of {$1000.00} each. They processed 3 of the 4 payments which equals {$3000.00}. {$1000.00} of it is MISSING? I was asked by the 1st Barclays rep to contact the United States Postal Service and get copies of the front and back of each money order which I did for a fee. ALL 4 money orders have been cashed by Barclays Bank via XXXX XXXX XXXX acct # XXXX. Barclay bank has my money and hasn't credited my account. This is bad business on Barclays. I have not only did my part by making my payments, but also have proven being reasonable doubt that I made the payments and that Barclay has cashed them and deposited into there XXXX XXXX Account I asked if by faxing them the copies of the cashed checks could the expedite my claim and they said NO. If we were talking about {$100.00}, okay lets wait 25 days, BUT were not. Its {$1000.00} that isn't being credited to my credit-card and i'm being charged interest on it. {$1000.00} is Grand Thief and as far as I'm concerned they stole my money. What financial institute doesn't reconcile daily? I work for a financial institute and were required to balance each day and have resolution. I want to file a Grand Thief complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-29

Wallington, NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I am writing to CFBP about Barclay Bank siding with the merchant about my dispute. Barclay bank expects me to pay for a scam. I have provided Barclay bank with full proof that I paid for a service that was not provided. I paid for a XXXX XXXX management program that can be paid monthly or full price. If paying full price the merchant promised to have new information released every month after the sign up date, which is the program I did and paid {$240.00} USD. I signed up for the program on XX/XX/2019 which means I should have three parts of the program already released. When I log into my account and go into My programs the page says " sorry we can not find this page. '' Please see document labeled exhibit A as proof. I do not have any access to the course at all. The merchant promised life long access on their website if the program is purchased in full. Please see document labeled exhibit B as proof ( Please note that the merchant changed the price for this program from {$240.00} to {$140.00} which is why the document shows a different amount than what I have paid. ) I did have access to the first part of the course my first month but after the first month I should have access to two parts of the course and by now I should have access to 3 parts of the course. As stated before they removed the program entirely. When I tried to contact the merchant after the first month which by then I should have access to the 2nd part of the course the merchant said I will have parts released month by month. It is now the third month and I do not have anything and the merchant stated they will not issue me a refund once started. Please see document labeled exhibit C as proof. I do not have any access to any parts of the program at all and I paid {$240.00} for nothing. Barclay bank sided with the merchant saying that the platform they provide the course on has a thirty 30 refund policy. On XX/XX/XXXX ( which is still within the thirty day period ) I contact the merchant to tell them that I did not receive the second part of the course, and the merchant purposely replied to me days later just so I am out of the refund policy. Please see document labeled exhibit D as proof. Barclay bank is not helping me at all with this issue after showing them full proof of me not receiving the service I paid for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response