Consumer complaint received 2021-03-29
Company: BARCLAYS BANK DELAWARE
State: TN
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

Complaint:
Barclays Bank XXXX and XXXX XXXX collaborated against the facts, then destroyed my credit reputation which brought numerous consequences and scammed me {$120.00}. 

On XXXX we called XXXX to contain cockroaches in the kitchen. After we saw an advertisement with {$50.00} discount, guaranteed protection ( tXXXX  promise ) and no-contract ( no commitment ) at all. 

Which means if our pest problem is not resolved on first service we have an entire 3 months with no extra charge to have our concerns addressed. Also each time we are due for a service we get to decide whether to withdraw or continue to with the service. XXXX There were 2 other members of family besides me listening our conversation with XXXX sales personnel. ) His exact words were NO CONTRACTS, QUIT ANYTIME and for the payment ; the sales personnel words were ; WE ONLY PLACE CHARGES AFTER YOU WISH TO CONTINUE THE SERVICE AND AFTER WE RENDER SERVICE. he also offered us a free exterior service and free termite inspection but None of the offers were rendered. 

On XXXX XXXX sprayed chemical to abolish cockroaches ( PRIMARY CONCERN ). After a week the cockroaches in the kitchen were twice as bad. we contacted XXXX they visited us on XX/XX/XXXX. But theyve done nothing instead they looked at the problem and tried to sale a different service not related to our concerns ( TERMITE ). We told them fix this first then well consider it. Until XXXX we kept waiting, XXXX was nowhere near. I was thinking about forgiving the {$120.00} and continue a happy life. But on XXXX XXXX XXXX placed a charge of {$110.00} without my authorization also 6 days prior to our due date. Before addressing my concerns. Before fulfilling their promise. I called customer service and told them I have not recognized this charges so refund my money immediately. But I was laughed at and treated like a fool. They told me to wait a call from the XXXX but that never happened. After waiting a week or so I contacted my credit card issuer BARCLAYS BANK XXXX and disputed all transactions from the merchant ( XXXX XXXX XXXX. Also replaced my credit card with a new credit card number. On XXXX BARCLAYS BANK XXXX closed the dispute in favor of the merchant ( XXXX XXXX XXXX after the bank received a copy of RECEIPT from the merchant. Which I have never received from the merchant or have no idea about. 

In XX/XX/XXXX I opened a credit account with BARCLAYS BANK XXXX and a {$0.00} liability protection against unauthorized transactions was included. I closed the account on XX/XX/XXXX because of BARCLAYS BANK XXXX failure to fulfill on their promise. 
Afterwards BARCLAYS BANK XXXX continued to report BALANCES, LATE PAYMENT ... etc for more than 7 months on a closed account which ruined my financial health in many ways. And also violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

I have identified the following to be the consequences of BARCLAYS BANK XXXX inaccurate reporting : - 1- increased auto loan rates 2-decreased fico score by more than XXXX points 3-credit card APR increase 4-credit card term amendment 5-auto insurance increase All of these have been documented ( attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief