Consumer complaint received 2021-11-15
Company: BARCLAYS BANK DELAWARE
State: MI
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 was looking to have a pole barn erected on my property. I looked on XXXX XXXX because I wanted to use a local merchant. 
I found a company called XXXX XXXX. I spoke with others along the way but needed a building sooner than what was being offered since we had just moved into our new home and needed additional storage. I began speaking with XXXX a salesperson for XXXX XXXX on XXXX XXXX on XX/XX/2020. 
On XX/XX/XXXX XXXX sends me what is called a line breakdown and deposit information. On XX/XX/XXXX I was sent a XXXX to complete deposit ofXXXX on my XXXX credit card. After viewing the document, I signed electronically and then received via email the copy of the signed document of went I immediately noticed it was a printed-off copy of the electronic file and he added at the bottom, NON REFUNDABLE DEPOSIT. This was not there when I signed the electronic copy and it can be seen when you view the page he sent as wavy. 
The next day I called XXXX XXXX to see how long it would take to get a permit and they said they would need to see the drawings of the building to apply for the permit. I then called XXXX XXXX to ask for those drawings and they said I would have to wait for the WELCOME PHONE CALL. I asked when is this supposed to happen and they said 3 days. After the 3rd day and no so-called welcome phone call, I speak to XXXX XXXX who is supposed to be the owner. He proceeds to tell me to call this number and ask for the drawings. XXXX. I call this number and they said they have no information on an order for anyone by my name. Now Im feeling like I have just been scammed by XXXX XXXX. I call XXXX XXXX again and he tells me he is not responsible for getting me the building information and to call the number I was given. I told him what they told me and he said He can not build it for me. I said I want my deposit back and that I am going elsewhere since they can not help me with any information I have been asking for. He proceeds to tell me I am not getting the deposit back and I said Ill do a chargeback then. I immediately call my credit card company to begin the chargeback process. XXXX XXXX denies the chargeback by lying and saying I knew there were no refunds which is absolutely not true and can not be proven. No where on the XXXX page does it say there are no refunds on deposits. I begin to do research on XXXX XXXX and find 28 complaints in a year on the very same issue of people getting their deposit stolen and today there are 78 complaints in 2 years. I spent 3 months going back and forth with XXXX card and even after I sent multiple packets of information proving XXXX is lying and stealing the consumers ' deposits they still denied my chargeback. To this day they are hitting my credit report with a late payment. I was a long time customer with perfect payment history and they insist on ruining everything I have built to pay a scammer. I had paid XXXX what I owed them to the penny and closed the account and they are still hitting my credit report. On my XXXX and XXXX, I had XXXX year of 100 percent perfect payment history and now this is ruined. XXXX XXXXs is a scam. I want XXXX to go after XXXX and get back the money they gave them and remove all the negative remarks from my credit report.

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