Consumer complaint received 2018-01-06
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Letter dated XX/XX/XXXX, from the Barclayscard Office of the President / a XXXX XXXX XXXX, outlined credits that were in process of posting to my account in the amount of {$160.00}. This credit was short {$4.00} and should have instead been a sum of {$160.00}. This credit was supposed to have been applied and should have remained on my account for the next 3-4 months ; instead, it was removed on XX/XX/XXXX, which also was the first time that I placed a new charge for {$31.00} on my new replacement card. The card was replaced due to previous fraud on the account. 

As a result of the posted credits being removed from my account, I later learned that {$31.00} was expected as payment on XX/XX/XXXX instead of being deducted from the expected credit balance I thought I had. I posted a payment for the {$31.00} on XX/XX/XXXX, but it was just past the cut-off deadline and did not post until the following day of XX/XX/XXXX. I also have a future payment scheduled for XX/XX/XXXX, in the amount of {$35.00}, to cover the name statement period in full, for my " actual charges that exceed the {$160.00} which should have originally been credited and should have remained on my account, preventing all of these matters from becoming compound issues. Subsequently, I was charged a {$27.00} late fee. I have since contacted Barclays to request that all corrections be made. We are currently in a back-and-forth email and phone-tag pattern, meanwhile, I am still incurring additional charges i.e., {$3.00}. 

I am concerned this will continue getting out of control while I expect these corrections to be made. The fact of the matter is, the posted credit was removed from the account within 2-months of it being posted. This gave me no time to use it as intended and is now costing me more. There has never been a check issued for that or any other balance, not that I have seen, and nor do I want. I want all credits posted back to my account as discussed and for the full {$160.00}, plus a credit of the {$27.00} late charge, and the {$3.00} interest charge, and anything else that may post to my account in the meantime. I also want to make sure that nothing has negatively been reported to any of the credit bureaus, and nothing will. I would like a letter confirming that all of these transactions have correctly been posted and that I should be cleared of any adverse actions or negative reports that could possibly affect my credit, and I want this letter as a reference, should anything later appear and I would need a letter of that type to serve as proof to expedite any future potential issues as a result of these discrepancies now. 

Thank you in advance for your assistance in resolving this matter. 

Sincerely, 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