Consumer complaint received 2023-04-25
Company: BARCLAYS BANK DELAWARE
State: HI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX of money being moved in and out of my XXXX account, reported by me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
My reports were ignored, minimized and were reported by the account managers as part of their incentive program. 
On XX/XX/XXXX four separate unidentified payments seen as purchases were charged to my account. This happened 5 days after my accounts auto payment, these funds took my account over its allowable limit. They automatically reported a delinquent payment and overage of credit limit, this in turn dropped my credit score by XXXX points. The reduction of credit score, overage and delinquency triggered my oldest credit account of 27 years to lower my credit limit by XXXX which again lowered my credit score. Ive spent hours and hours on the phone trying to remedy their accounting mistakes, they don't have any clue where the money has come from nor why its moved in and out of my account, they have no resolution to destroying my credit and limiting my buying XXXX ( Im a small business owner and use my credit to float my company ) On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not incorrect, asked for any future unauthorized credits to be flagged and that I be contacted. 

On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not to be worried about sir it is only our reward program. I asked that no unauthorized action be taken on my account. 

On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I again called and informed account manager of the discrepancy and asked for a letter stating the reason the money was being credited. 

On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I was unable to call On XX/XX/XXXX My account was debited the minimum payment of XXXX and was reported as current with the next required payment due XX/XX/XXXX. By XX/XX/XXXX XXXX of unauthorized transactions were placed on the account it was reported as delinquent and over my limit of XXXX. 

XXXX XXXX I received separate letters stating approximately XXXX dollars had been charged to my account of which the numbers again didnt match. 

As of XX/XX/XXXX unauthorized amounts are still going in and out of my account. I have frozen the account and pulled all modes of payment until they are forced to acknowledge and rectify. 



I am exhausted and disillusioned after countless hours on the phone dedicated to resolving this with the Barclays staff and account managers, and have hit a limit of their ability or willingness to do anything. I beg for your guidance or assistance.

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 explanation