Consumer complaint received 2023-07-10
Company: BARCLAYS BANK DELAWARE
State: MO
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:
I have an credit account with Barclay and there have been a couple of ongoing issues. The one that has presented problems and has affected my credit with an unauthorized charge by XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}. I called and spoke a customer service rep XXXX and explained that XXXX XXXX XXXX had been taken off the auto-pay as of XX/XX/XXXX, over a year prior to this charge. Therefore the charge on XX/XX/XXXX was not authorized due to litigation with XXXX. I received a letter dated XX/XX/XXXX stating the company 's investigation had been conducted and found that I benefited from these charges. I call and sent a letter dated XX/XX/XXXX repeating the prior that XXXX XXXX XXXX had been canceled on XX/XX/XXXX and the charge on XX/XX/XXXX was not authorized and there was no benefit gained by me. I enclosed another copy of the letter confirming the account does not have enrollment in the auto-pay. On XX/XX/XXXX I called and spoke with XXXX and charge was still be reviewed, under investigation. No updates available yet. On XX/XX/XXXX I called and spoke with XXXX and he stated the charge was still under investigation and I should receive a letter shortly. XX/XX/XXXX I spoke with XXXX and no action had been taken as it appears to be stuck in the system. XXXX will send it to upper management for review again. Should get response in XXXX business days. On XX/XX/XXXX spoke with XXXX and he attempted to connect me to dispute manager and the connection was not complete. I did receive a call from XXXX on XX/XX/XXXX and by this time my credit has been affected for late payments that should not exists. As a side note the card has always been paid in full within the same pay period and had not been late until this disputed charge. I was referred to the credit dispute department. She asked for me to fax a copy of the letter in which the auto-pay has been canceled. This had been attempted to be faxed to XXXX and the fax would not go through. Spoke with XXXX and she gave me another number to fax to XXXX, the fax would not go through on this number either. On XX/XX/XXXX I was told I would have to mail it it. This was done on the same day. By this time XXXX XXXX XXXX had attempted to charge my card and the charges had been rejected. The charge from XX/XX/XXXX still is on my card. I was given a case ID XXXX and a received a letter on XX/XX/XXXX to let me know they are investigating the charge and the incorrect reports against my credit. Next I receive a letter dated XX/XX/XXXX that it had been too long since the charge was made and a dispute made. I called and spoke with XXXX on XX/XX/XXXX and he stated there is nothing he can do as the case has been closed since it had been too long for a dispute to be made. XXXX was transferring me to a supervisor and the call was never connected. I called back and had to leave my information for a supervisor to call me back within 24 hours. Received a letter dated XX/XX/XXXX ; with no information on the letter and stated if we disagree I could call them. There was no phone number nor name on the letter. On XX/XX/XXXX I called back and spoke with XXXX. he placed me on hold for 20+ minutes. He stated his supervisor will call back that day or the next. As of XX/XX/XXXX we still have not received a call back and the charge is still on my card. XXXX has since attempted to charge against this card and the charges have been rejected as they are not authorized to charge. 
Please help me get this charge reversed and my credit report corrected. I appreciate any help or direction you can give me. 

XXXX XXXX

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