Consumer complaint received 2020-04-29
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: Card was charged for something you did not purchase with the card

Complaint:
Barclay Bank Delaware sent me a billing statement dated XX/XX/XXXX for my UBER VISA SIGNATURE credit card. This billing statement included an invalid transaction dated XX/XX/XXXX posted XX/XX/XXXX from " XXXX XXXX XXXX XXXX  '' in the amount of XXXX AUD which was converted to US {$95.00}. 

On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement '' and advised them that I did not have any recollection of this charge and requested a credit in the amount of US {$95.00} In the same letter I disputed a second charge dated XX/XX/XXXX from " XXXX XXXX '' in the amount of {$85.00} On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} from " XXXX '' and indicated they would investigate the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} and indicated they would issue a provisional credit while they investigated the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX ''. 

On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement ''. In this letter I thanked them for acknowledging the second disputed amount of {$85.00}. In this letter I reminded them of the first disputed amount of {$95.00} from " XXXX XXXX XXXX '' and notified them that had not yet acknowledged this billing dispute. In this letter I also requested credit for {$1.00} for the Finance Charge applied to my account on the XX/XX/XXXX statement for not paying the disputed amount of {$95.00} I reiterated that " I have no knowledge of this transaction and have not received services nor merchandise from this merchant ''. 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$95.00} from " XXXX XXXX XXXX  '' that was billed to my account on XX/XX/XXXX and that they were referring the transaction to a dispute specialist who would investigate further. 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter saying that they " are unable to take further action on this disputed charge '' " due to the length of time that has passed since the charge posted to your account ''. 

Barclay Bank Delaware only promptly investigated the second but not the first disputed charge of my letter of XX/XX/XXXX. Barclay Bank delayed their investigation of the first disputed charge is an error on their part and is a violation of federal regulations.

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 monetary relief