Consumer complaint received 2023-12-31
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This is the second time I have made this complaint. 
Incredibly, the first complaint was not even analyzed by the CFPB. 
I can not understand how this institution ( CFPB ) can accept Barclays ' response as true. 
Barclays sent proof that the check was bounced and said it wasn't their fault!!!! 
Please read the explanation below carefully before closing the case as was done previously!!! 
Thanks. 



I will briefly describe what is happening with my credit card account. 

On XX/XX/2023, I received a correspondence from Barclays offering balance transfer checks My balance on that date was {$0.00}, that is, I owed nothing to Barclays and therefore had an available credit of {$6200.00}. 
I then used check number XXXX and filled in the amount of {$5000.00} to use to pay for other credit cards. This check was written in the name of XXXX XXXX, my husband, and deposited into his XXXX XXXX account on XX/XX/2023. 
On XX/XX/2023, my husband received a letter from XXXX XXXX, informing him that the Barclays check had returned due to insufficient funds. 
I called Barclays and explained what had happened and an attendant informed me that he would check what was happening, as my debt was {$5200.00} : {$5000.00} balance transfer, {$250.00} fees and {$26.00} returned check fee. 
After a few more days, I received a statement from Barclays confirming these values. 
I contacted Barclays again and the staff were unable to tell me what was happening. 
Several explanations were given and no solution was taken. 
I made more than XXXX calls to Barclays, spending more than XXXX hours in total with no solution. 
I have marked the names of the attendants, time and date of several calls and also recorded the audios. 
On XX/XX/2023, I had to pay the minimum amount of {$52.00} from my account to avoid damaging my credit without any solution to the problem. 
I did not use the amount of {$5000.00} because the check was not paid due to insufficient funds and I had a debt of {$5200.00} with Barclays that does not exist. 
Until today, I haven't found any solution. 
I have already received several promises from service managers about solving my problem, but I realize that in addition to the lack of instruction and knowledge of these agents, there is a great lack of desire to solve the problem. 
On XX/XX/XXXX, that is, 2 months after the problem started, a service manager promised me that the case would be resolved by XX/XX/XXXX, but nothing was resolved. Again I had to pay the amount of {$52.00} to keep my account in good standing. 
It is very clear that the attendants are instructed to be elegant with customers but do not have the ability or desire to actually resolve the problem. 
I come to the conclusion that Barclays is stealing from me the amount of {$5200.00} and the attendants are complicit in this theft. 
I already sent a letter to Barclays on XX/XX/XXXX with a copy of all the documents proving Barclays ' error, but to my disappointment, I received a response letter from Barclays on XX/XX/XXXX saying : We are currently unable to complete your request. 
I can not find any other channel of communication with Barclays to resolve this problem, so I will hire a lawyer and assert my right to expose the fraud committed by Barclays to the media to show Barclays ' lack of interest in resolving the problem. 
I will spare no effort to use legal means to prove that Barclays is committing fraud against me. 
If necessary and at an opportune time, I will be able to present documents again that prove all of the above. 
I remain at your disposal for further details. 

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