Consumer complaint received 2019-04-02
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
XX/XX/XXXX I was on the XXXX XXXX web page and I was looking for a credit card that would not charge a fee to do a balance transfer. I put on the application that I would want {$8000.00} but I did not complete the application when I read the terms of agreement and saw that they charged a 5 % fee on balance transfers. I simply closed the web page not authorizing or requesting or agree to an account with XXXX XXXX. Barclays took it upon themselves to send XXXX XXXX XXXX {$8000.00}. I did not identify that I wanted the money to go to XXXX. XXXX acceptable the money from Barclays even though my XXXX account was balance-free and closed. XXXX then took XXXX of the XXXX and sent me a check for the balance. I never received the check. Barclays begins to email me and telephone stating I owe XXXX to them for the unapproved balance transfer. When I first spoke to a Barclays representative I asked, do I need to get the money from XXXX? I was told no, that this would be seen or processed as a fraudulent claim and therefore I was in no way responsible. I then received a letter from Barclays stating that I was in fact responsible and that I had gotten deep enough into the application whereby I was procuring their services and so I did request the money. I never received a credit card from XXXX XXXX, I never activated a credit card and I do not know this account 's number. Next I spoke to several representatives on Friday, XX/XX/XXXX where time and again they would say to me, we aren't going to go round and round with you, you have the money, pay it back. Not once did anyone listen to me that I didn't have the money, that perhaps they should be contacting XXXX to see if they had the money and that I simply could not understand how I was responsible for this faulty and misleading transaction. I was treated like a liar and a criminal when in fact I believe that it was Barclays who was subjecting me to unfair business practices and dishonest and unreasonable expectations. The matter was resolved on the phone when XXXX, a Barclays rep and XXXX, a XXXX XXXX XXXX agreed on a 3-way call that XXXX would send Barclays a check in the amount of XXXX and stop payment on the check that was sent to me by XXXX for XXXX minus the XXXX fee that they kept. All of this simply did not need to occur if the first representative I spoke with at XXXX XXXX had listened to me when I stated that I had not completed the application and my husband and I had gone to our credit union, secured a personal loan that included paying off the XXXX XXXX balance and subsequently closing that account so that I didn't feel I have any responsibility for retrieving their misplaced balance transfer. None of this was pleasant and it took up countless hours on the phone and online trying to get them to listen to me.

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