Consumer complaint received 2018-12-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with some friends from XX/XX/2018 to XX/XX/2018. On XX/XX/2018 around XXXX XXXX to XXXX XXXX my friends and I went to a tour with XXXX XXXX XXXX to see one of the hotels that they have for their customers V.I.P. in XXXX, XXXX XXXX, XXXX XXXX. We returned to XXXX  XXXX XXXX after XXXX XXXX ( I dont remember the exact time ). The tour guide, or the representative of the XXXX XXXX XXXX that took us to the tour took me to the office because I was interested to know the prices for the membership. He found another gentleman that started to inform me about the prices of the membership. Most of the prices were very expensive. I remember that I informed them that I was a victim of a robbery and because of that I am registered with credit report ( XXXX ) and I have a LOCK on my credit. 

I dont remember how the conversation started, but a credit check of {$3000.00} was initiated. I got involved and I gave them my information including my social security to check my credit. In less than 15 minutes this man ( not the tour guide ) returned with two forms of credit cards saying that I was accepted for two credit lines. One for {$11000.00} and the other {$8000.00}. I was very surprised about these two credit cards when in fact my credit has a LOCK in the United States. 

These men started talking to me about a penthouse deal. They mentioned that I can do business in XXXX, XXXX, etc. renting the penthouse. I  mentioned to them that I was not a social media person, and I can not do that. I was so involved that I ended up signing some documents. I remember that one of the requirements was to put my initials in one book. I asked the woman who brought the book what information was contained in the book. She said that was the club information. When I put my initials on each page she took the book and I said to her if she was not going to give me a copy. She replied that the information was on the CD. When I left their office is was dark. 

Next day on Sunday, XX/XX/2018 around XXXX XXXX I went to XXXX XXXX XXXX to talk to them regarding the deal of the penthouse that they gave me. I saw the man ( Not the tour guide ) that worked with me the day before and I said to him that I wanted another deal or something more reliable for me because usually I travel by myself or with my mother and that a penthouse was too much for me. He said customer service is the one in charge and they would make the changes. He sent me to a office to talk to customer service by phone because there was no representative of customer service in the resort. 

When I was in the office, they communicated me with a representative of customer service.Her name was XXXX. I explained to this lady that I wanted to change from penthouse to something more reliable. She said that she will check with her superiors and put me on hold. After a while she returned and said that her superiors said NO and that she can give me a village deal for the same price. I told her no and that I wanted something more reliable and affordable, because I have student loans, bills, among other things to pay. She kept saying NO and saying Yo No Entiendo which means I dont understand in XXXX. I started to feel uncomfortable because is was not even 24 hours that I got involved with the XXXX XXXX XXXX and this was how they were behaving and treating me. At one point this lady said to me YOU ALREADY PAID. I said to her excuse me and she said it again and mentioned that I have a contract with them and an agreement. I said to her that I will call the Bank and cancel the transaction. 

I left the office and went to my room in the resort and from my cell phone I called the the phone numbers of the paper that they gave me. I remember that I made the calls around XXXXXXXX XXXX on that Sunday, XX/XX/2018. The first bank that I called was XXXX XXXXXXXX XXXX. I explained to the person that I spoke with what happened and she mentioned that the payment was pending that she could not cancel the transaction of {$7600.00}, but she said to call in 24 or 48 hours. Then I called Barclays Bank ( according to the phone that was on the papers ) I explained to the person that I spoke with what happened and he was able to cancel the transaction of {$11000.00} and I told him to close the credit card. 

Next day Monday, XX/XX/2018 I called XXXX XXXX XXXX to cancel the {$7600.00}. I explained to the rep what happened, and she closed the card and canceled the payment. Then I called Barclay Bank to be sure that the {$11000.00} transaction was canceled. So the payment of {$11000.00} was canceled and the balance was {$0.00} balance. 

Next day on Tuesday, XX/XX/2018 I called Barclay Bank and XXXX  XXXX XXXX just to be sure that those transactions were canceled. When I spoke to the person at Barclays Bank the account was {$0.00}. The operating system of XXXX XXXX XXXX said that I have a balance of {$7600.00}. I Called again to XXXX XXXX XXXX and asked what happened and they said that the money is pending, and they have to open a dispute. A dispute investigation was opened and would take about a month. Eventually XXXX  XXXX XXXX found that XXXX XXXX XXXX committed a FRAUD and credited {$7600.00} to me. 

Two or three weeks after the dispute was close with XXXX XXXX XXXX I received a bill from XXXX Barclays credit card for {$11000.00}. I called to inquire about the credit card. I asked the person who answered the location and she said that they were in XXXX. I explained to her that I canceled that payment, but I received no help from her. I called Barclays Bank and explained what happened to the lady that spoke to me. She did a three ways conference call and called the XXXX credit card and asked the person who answered that cancel the payment and why that money was not refundable back to the bank. The man whose answered the phone did not know what to respond and transferred the call to another line. An answering machine answered, and I left a massage ( I am still waiting for a call back ). Due to this, a dispute was open. During the investigation I called once. I called to get an update of the dispute, but they said that they were still investigating. Then a day before XXXX I received a letter from Barclays Bank saying that the dispute was found in the favor of the XXXX XXXX XXXX and I was expected to pay them {$11000.00}. 

With all due respect we are talking about {$11000.00} that I did not eat, drink, or did anything, not {$100.00}. Some people are very UNSCRUPULOUS. I dont know where they are connected, but I know that they are using my name to get money. Sadly, I know that I am not the only victim. But I pray that all this Pandora Box will open and expose the wrong doings to the light.

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