Consumer complaint received 2020-02-03
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:
The weekend of XX/XX/XXXX, I attended a Real Estate Expo in XXXX XXXX, CA. On XX/XX/XXXX, I purchased a 3 Day Workshop with XXXX XXXX XXXX for {$990.00}, {$490.00} of it was charged to my Barclay Wyndham card. On XX/XX/XXXX, I purchased a {$690.00} XXXX XXXX XXXX  XXXX XXXX XXXX Course  with XXXX XXXX, also I purchased XXXX XXXX  XXXX XXXX with XXXX XXXX for {$690.00}, both also charged to my Barclay Wyndham card. 

On XX/XX/XXXX, a XXXX XXXX XXXX   Representative phoned me to tell me about XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$27000.00} ). I was told that this program would give me the best chance of success. I was told this program would allow me access to coaches who would guide me step by step on the process that I should take in order to be successful at real estate investing. The representative asked me about my credit cards and their balances, I only had {$16000.00} left on my credit cards. The representative told me which cards to use and how much to put on each card. He said I had nothing to lose and everything to gain. He said my real estate profits would cover my credit card payments and when I started making money, I could pay the remaining {$10000.00}. I put {$4500.00} of the {$16000.00} on my Barclay XXXX card. 

On XX/XX/XXXX, I was notified by a XXXX XXXX XXXX ( also known as XXXX ) representative, that XXXX XXXX, the main educational company that provides instructional, seminar and other educational services for XXXX XXXX XXXX ... XXXX XXXX and several other guru 's training program had been taken over by the federal government. After further review, it was in fact confirmed that XXXX, XXXX was taken over by the Federal government for misrepresentations, false guarantees, and XXXX XXXX XXXX XXXX is also no longer operating. 

I reached out to Barclay XXXX and Wyndham on XX/XX/XXXX, by mail. I received a letter dated XXXX XXXX, indicating they would credit my Barclay XXXX credit card half ( {$2200.00} ) of the {$4500.00} I paid to XXXX XXXX XXXX  and a letter dated XX/XX/XXXX, indicating they wouldn't even investigate my dispute and would not be crediting my Barclay Wyndham account. 

I filed an appeal to the Barclay XXXX card on XX/XX/XXXX, and an appeal to Barclay Wyndham on XX/XX/XXXX. 

On XX/XX/XXXX, a manager, XXXX, called back providing me with manager callback case number XXXX indicating both decisions ( Barclay XXXX {$2200.00} credit and no investigation of Barclay Wyndham ) stand. I would only be credited back half of the {$4500.00} I paid using my Barclay XXXX card and no investigation for my Barclay Wyndham dispute. 

I only had the opportunity to utilize 3 of the coaching sessions I paid the {$4500.00} using my Barclay XXXX card. Further, the company was seized by the federal government for misrepresentation and false guarantees. I should not have to pay for services that we're fraudulent and deceitful, and paid for services that I can't receive because the business ( es ) are no longer operating. 

Barclay XXXX decided to only credit me half and Barclay Wyndham decided not to investigate and credit me at all. I don't think they conducted a full investigation or credit my account accordingly. As I explained to them all, I am not claiming a billing dispute. I am claiming a misrepresentation and services not rendered dispute, and for that I believe both my accounts should be credited the full amount, due to the government seizure for misrepresentation and false guarantees and their inability to provide me services.

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