Consumer complaint received 2020-07-15
Company: BARCLAYS BANK DELAWARE
State: OR
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:
To Whom it May Concern : I'm writing to file a NEW COMPLAINT/REOPEN my claim dispute or escalate to arbitration Case ID : XXXX XXXX based on new information I received regarding mastercards chargeback guidelines. I spoke with XXXX at Barclay yesterday, as well as, two additional customer service reps who confirmed that my Barclay world elite mastercard falls  under those current guidelines set forth by mastercard. I have gone ahead and mailed in a request to reopen my claim again as I am unable to do so via phone or online. I've also had my lawyer and mentor who formally worked for the company review my case and based on the current chargeback guidelines set by mastercard on  page 68, which clearly state under, Goods or Services Were Either Not as Described or Defective that the permitted timeframe for a chargeback is, " 120 calendar days from when the services ceased with a maximum of 540 calendar days from the transaction settlement date for issues of interruption of ongoing services '' that I was and am well within the timeframe to dispute the charges. 

The charges were from a company called real estate elevated that I received ONGOING services with that was shut down and sent to receivership by the FTC for FRAUD on XX/XX/XXXX. The transactions were again for ongoing services and occurred on XX/XX/XXXX for {$19000.00} ( XXXX ), XX/XX/XXXX for {$13000.00} ( XXXX ), and XX/XX/XXXX for {$9000.00} ( XXXX ) totaling {$41000.00}. I am unable to pursue corrective action with the company because they committed fraud and have a restraining order prohibiting them from continuing business operations. 

I have been disputing the charges with Barclay since XX/XX/XXXX, which was 20 days after services ceased and have continued to receive the same generic response, which is " Due to the length of time that has passed since the transactions were made, we no longer have dispute rights available to pursue credit on your behalf. '' Based on the new information that was brought to light about the mastercard guidelines this response is invalid based on the fact that the services were ongoing and that I was and still am well within the required time frames to dispute the charges. These guidelines were put in place to protect consumers and give them recourse against predatory companies like this one. They committed fraud and I and many others are a victim of this company and I'm simply asking Barclay MasterCard to adhere to and honor their own guidelines and rectify the situation by issuing a full refund for the above charges. Barclay has refused to even submit a request to mastercard asking for a refund and I just want them to use the correct chargeback reason code and submit the request. Several other individuals I've spoken with have gone through the same thing with mastercard and have had no problem getting their purchase refunded because the company in question was illegitimate. I've attached a letter from my lawyer, a second opinion letter from one of the former instructors, my previous correspondence with barclay, receipt from the company, bank statements with the charges, and the mastercard chargeback guidelines ( please see page 68 ). 

I appreciate your assistance in this matter, if you have any questions or need more information please feel free to reach out.

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