Consumer complaint received 2022-08-17
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my Wyndham Rewards Visa Signature Card last month on or about XXXX XX/XX/2022, due to issues with Barclays Questionable Business Practices XXXX I received an email from Barclays on XXXX XX/XX/2022 @ XXXX, stating that I had missed a payment. I sent Check # XXXX to Barclays on XXXX XX/XX/2022, I paid the Statement Balance of {$7600.00}. On XXXX XX/XX/2022, I called Barclays and asked if they had received my check, their response, No. I discussed my options and was advised that I could make a payment over the phone. I told them that I would do that ONLY if they didn't cash my check that I had sent. I was advised that they would not cash the check and they waived the interest charge and the late fee. I paid {$8100.00} over the phone on XXXX XX/XX/2022. After this conversation & payment, I called my Credit Union ( XXXX ) and placed a Stop Payment on Check # XXXX. On XXXX XX/XX/2022, Barclays Cashed the Check # XXXX, in their System. I called Barclays numerous times and talked to numerous people about this check. It is obvious that their Customer Service and Finance Dept. do not communicate at all! I was actually informed that I would receive a check for {$7600.00}. I was forced to check with XXXX on a daily basis and talked to numerous Supervisors to verify that the Stop Payment was in place and that Barclays had not received the {$7600.00} from my account. Every time I called Barclays the computer generated voice/menu would tell me that I had a Credit on my account in the amount of {$7600.00}. So I was very angry and tried to get a Supervisor on the line, never happened. I was hung up on numerous times. When I actually talked to someone, they stated that I had a credit on my account and that they would send me a check. I advised, that check ( # XXXX ) was NOT to be cashed. This went on for a few weeks, trying to talk with a Supervisor. I gave up trying to get a Supervisor. I continued to verify that the money never left my XXXX account. When I was satisfied that no money had been sent to Barclays, I stopped calling them. I never received a check for {$7600.00}. Yesterday, XXXX XXXX, I received a Statement from Barclays, requiring me to pay a Returned Payment Fee dated/posted XXXX XX/XX/2022. The actual Transaction Date is listed as XXXX XX/XX/2022, " Payment Stopped ''. For weeks I was in contact with Barclays and I was told that I had a Credit of {$7600.00}, no one ever checked my account ( Finance Dept ), to include Supervisors to verify this. I called them yesterday, and got the run around about this for at least 20-30 minutes. I insisted on speaking with a Supervisor or I was going to make a Formal Complaint. I finally got a Supervisor on the phone. According to " XXXX XXXX ( Supervisor ), she was unable to waive this fee. I told her that I was going to make this Complaint, not only did this Company lie to me, now they continue to Harass me for money that I do not owe. I paid the bill on XXXX XX/XX/2022, they Cashed a check, # XXXX, that they stated they would not, on XX/XX/2022. There is no justification for them to charge me {$29.00} for RETURNED PAYMENT FEE since that check was never paid, it was voided by my " Stop Payment '' that I initiated on XXXX XX/XX/2022 with XXXX XXXX XXXX XXXX. I paid what I owed and more. I have waited for Barclays to call me today, XXXX XX/XX/2022, with a resolution for this issue. They have not. I will not waste any more of my time and summit myself to increased anxiety and anger by calling them again. I called XXXX today, they validated the fact that once I initiated the Stop Payment on Check # XXXX, it was invalid and could not be cashed. So, this Company is using their finance system to create Fees that they charge their Customers and Former Customers. I am XXXX XXXX year Military, XXXX Veteran, and I get treated like this. I'm sure there are many more that have paid erroneous Fees that were generated by their Finance System. I only hope that this complaint shines a light on Barclays Fraudulent Business Practices.

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