Consumer complaint received 2019-11-11
Company: BARCLAYS BANK DELAWARE
State: CA
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:
To Whom It May Concern, XXXX XXXX DBO-XXXX Acct. Nos. : XXXX Dispute ID Nos. : XXXX I filed a dispute around XX/XX/2019 with Barclay in regards ( information listed above ). 

I am a Barclays Group US , Inc., or one of its corporate affiliates ( hereinafter, Barclays ) cardholder who has attempted to dispute transaction ( s ) in which I have not received anything of value from the merchant and I have yet to receive confirmation from Barclays that my account ( s ) will be credited the full amount of the transaction ( s ) including interest or I have been told that my dispute has been denied by Barclays. 

I am writing to inform you that I would like to continue my dispute of the following transactions : I am the cardholder to whom a credit/charge card was issued by Barclays Group US , Inc., or one of its corporate affiliates ( hereinafter, Barclays ) with the last four digits of XXXX ( hereinafter, XXXX XXXX ). On or about XX/XX/2019, charges were made on XXXX XXXX by a merchant named XXXX XXXX in the amount ( s ) of {$31000.00} ( the XXXX XXXX Transaction ). I never received any goods, services or anything of value from the merchant as a result of this XXXX XXXX Transaction. The merchant has refused my requests for a refund or cancellation of this XXXX XXXX Transaction. I contend that I should not be held responsible for the XXXX XXXX Transaction ( or for any interest, penalties or other fees arising from or accruing as a result of that transaction or my failure and refusal to pay that charge ). I have attempted to dispute the charge with Barclays through Barclays prescribed procedures and have not been successful in getting any assurances from Barclays that Barclays will not seek to hold me liable for the full {$31000.00} in XXXX XXXX Transaction. 

It is my understanding that XXXX XXXX and XXXX XXXX, XXXX are under the common ownership and control of an individual named XXXX XXXX aka XXXX XXXX XXXX aka XXXX XXXX ( XXXX ), and at all times XXXX, XXXX XXXX, and other entities under XXXX 's control acted interchangeably and in concert with one another in my and other cardholders ' interactions with them, and all are named together as defendants in this action and referred to as the XXXX Merchant Defendants. The XXXX Merchant Defendants provided no goods, services or anything of value to me with respect to the card transactions listed above ( collectively, the XXXX XXXX Transactions ). 

The merchant ( s ) and their owners have likewise refused to provide me with a refund or credit. 

In your letter denying my dispute on XX/XX/XXXX, you mention that you will be sending the merchants response to my dispute claim. However, no such merchants response was ever sent or received. 

After not receiving any communications, after sending in my response to your XXXX Dispute denial on or around XX/XX/2019. I decided to call in Barclays customer service and dispute team to discuss the matter. After speaking to XXXX ( Operator ID # XXXX  ), I was told that the dispute was resolved " in my favor '' to the amount of {$12000.00}. With the remaining amount not resolved " in my favor '' being {$19000.00}. 

To give some background, on XX/XX/XXXX the charge for XXXX was made of {$31000.00}. On XX/XX/XXXX I accidentally paid the Barclay account balance of {$19000.00}, before I had known that I would be needing to dispute the charge. The months after I also paid extra amounts totaling around {$500.00} in minimum payments and interest. However, typically when an item is under dispute and resolved in ones favor such interest and payments should be returned. Therefore, I think it is absolutely unjust and cruel to not grant me the full amount of the dispute simply because I accidentally made a payment of a transaction I did not know would later need to be disputed. It is a bid ridiculous that it was decided to have only the amount I had not paid to be ruled in my favor and the amount I did happen to pay still gets lost/stolen by the merchant. {$19000.00} is not an insignificant amount and getting back that money lost would help me and my family greatly in a time like. Moreover, even after they granted the dispute in my favor I have been receiving statements and the online account still shows I have over {$19000.00} in amounts owed.

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