Consumer complaint received 2022-08-16
Company: BARCLAYS BANK DELAWARE
State: TX
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:
XX/XX/XXXX : My husband and I received a call from this telemarketer, met with XXXX XXXX XXXX, who promised to : Cancel the XXXX  Timeshares we owned with all their maintenance yearly costs and give us XXXX points yearly starting in XXXX with RCI  XXXX expanded services with $ XXXX Yearly fee. We paid {$13000.00}, which was put on XXXX  new Barclay RCI Elite  Mastercards, {$7000.00} for my husband and {$6100.00} for me. We paid an additional {$840.00}, billed within 30 days for the XXXX First Year Membership Fee for limited travel. ( see XXXX XXXX XXXX Enrollment Agreement ). This was paid with a separate credit card at a different time. 
XX/XX/XXXX : The Timeshare cancellation subcontractor, XXXX group contacted us. We paid an additional {$3900.00}, sent them our timeshares info.and were sent sample cancellation letters to sign and mail at intervals. 
XX/XX/XXXX apx : Timeshare for XXXX XXXX XXXX was booked through XXXX  XXXX XXXX for XXXX FL XXXX XXXX XXXX value is {$2600.00} ) XX/XX/XXXX Email from XXXX  XXXX- notice of contract cancellation with XXXX XXXX XXXX XX/XX/XXXX Collection Letters were received from all three timeshares XX/XX/XXXX I looked through emails, saw the RCI  XXXX email cancelling XXXXXXXX XXXX XXXX , called XXXX  XXXX who confirmed that I had no XXXX points to use in XXXX, was not eligible to extend the travel, and that their contract with XXXX XXXX XXXX was canceled . 
XX/XX/XXXX I called XXXX XXXX, spoke to XXXX XXXX, who transferred me to XXXX XXXX. I asked her about the cancellation with RCI  XXXX She said they are in between Travel Agencies, but not to worry, it would be worked out with RCI shortly - it happens every 5-10 years, and it is just a matter of getting it renewed. At that point I reminded her it had already been three months and asked for a refund. She said No, if I get a refund it will have to be through my credit card. 
XX/XX/XXXX Called Barclay credit card and filed a dispute, faxed in the letter dated XX/XX/XXXX, a copy of the RCI  Member Update email and a copy of the Trust Purchase Proposal with Options Travel. More than half of the balance had been paid off at this time, with {$6000.00} just having been paid in XX/XX/XXXX, paying off my husbands card. 
XX/XX/XXXX I called Barclay credit card, who sided with the telemarketer, closed the case and said it was past the time for my card. XXXX also indicated that because it was a large amount, Barclay most likely wouldnt refund it but would be willing to delete the remaining balance on my card. When the letter from Barclay came in the mail, though, Barclay had not deleted my balance. I asked to reopen the case several times, sent in copies of the complete contract, but received the same answer of no, the latest being XX/XX/XXXX XX/XX/XXXX Contacted XXXX XXXX XXXX concerning the collection letters we received and got a response that they work with another company that can repair your credit for more money. 
We then asked for a refund. 
XX/XX/XXXX Sent a copy of the contract to XXXX Bank Credit Card for a refund of the payment of {$3900.00} to XXXX XXXX XXXX, which was quickly refunded XX/XX/XXXX due to their methods. 
XX/XX/XXXX Received letters from Barclay credit card siding with XXXX XXXX XXXX, that The merchant has not violated the terms and conditions of the sale. XXXX XXXXXXXX XXXX sent an almost illegible document and claimed that the XXXX points for XXXX fulfilled the conditions of the {$13000.00} contract. We only received the one week vacation in XXXX valued {$2600.00} max. 
XX/XX/XXXX Called and emailed XXXX XXXX Bank who had sent the payments from my account to Barclay credit card and disputed the Barclay charges. After several efforts, I finally got to speak to a Manager who told me that only the credit card company or XXXX XXXX XXXX can refund the charges in this case. 
XX/XX/XXXX Contacted XXXX XXXX by email asking for a partial refund. She called and said no, I would have to get it from the credit card company. I sent another email detailing the partial refund requested.and asked for answer by email. She refused. 
XX/XX/XXXX Filed a complaint with XXXX TX, Complaint # XXXX. 
ftc, and Attorney General XXXX XXXX XX/XX/XXXX Received XXXX XXXX response with XXXX : now offering Interval International XXXX points for XXXX. 
XX/XX/XXXX I sent my response to XXXX- unacceptable. We want a refund, {$11000.00} minimum. Offering Interval International is invalid - They dont accept XXXX XXXXXXXX XXXX points. {$13000.00} is unreasonable and fraudulent for one weeks use of a timeshare. They did not set up a renewable timeshare, nor did they cancel the 3 timeshares we had legally. 
XX/XX/XXXX Received letter from Barclay saying the time frame is out of the limit for a dispute. However, I disputed the charge within a month of the time I paid {$6000.00} on my husbands card, and shortly after I paid {$5000.00} on my card. I feel that they have been complicit in this fraud. 

Thank you for any efforts you expend on our behalf to right this situation.

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