Consumer complaint received 2016-10-01
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I would like to bring it to your urgent attention that credit charge of XXXX dollars on XXXX XXXX, 2016 is subjected to thorough investigation based on conflicting and unfair investigation done by Barclay credit card company here in after referred as 'BARCLAY ' related to a serious violation of consumer rights and fraudulent activity by the business owner, XXXX , here in after referred to as XXXX ' ( CFPB complaint number : XXXX with additional as exhibits A-C ). A civil law suit ( case number : GV XXXX ) has been filed against XXXX on XXXX/XXXX/16 ( Exhibit D ). Despite the matter being in the court, XXXX representatives continued to call us to collect money by fraudulent ways and coercing us to pay with escalating payment notices ( Exhibit XXXX ). 
1 ) BARCLAY was immediately informed about this fraudulent activity after a cancellation letter was sent to XXXX on XXXX XXXX 2016 as BARCLAY XXXX RESORTS credit card ending ... XXXX was used to pay XXXX dollars on XXXX XXXX 2016. 
2 ) I spoke extensively with BARCLAY Disputes department by making regular calls and providing written information in reasonable time frame and then this case was abruptly closed due to lack of sufficient information provided to BARCLAY. 
3 ) I had to re-dispute the case with BARCLAY and provided them multiple additional evidences to support the investigation. 
4 ) Due to BARCLAY 's tardy response, I had to finally make a request to speak to a Manager ( operator ID : XXXX ) at BARCLAY on XXXX XXXX, 2016. She had a thorough and extensive knowledge of XXXX sales contract and clearly expressed that it was my responsibility to cancel the contract with XXXX within 6 days. She seemed to have little or no clue about evidences provided by me and asked me if XXXX was ever contacted to obtain online membership login and password for timely access to rightful information for us to cancel the contract. BARCLAY was already provided with this information ( Exhibit B ). 
5 ) On XXXX XXXX, 2016, I contacted BARCLAY representative ( Operator ID : XXXX ) from Fraud investigations team. Prior to me providing her any significant details about this matter, she appropriately checked my information provided in the database and asked me if I ever used a suffix with my name. She became increasingly concerned with my reply being no and me never providing any such information to an authorized agent. After confirming my identity, she immediately told me that my card ending ... XXXX was being cancelled and BARCLAY will get in touch with me for investigation purposes. 
6 ) A new card ending ... XXXX with XXXX balance ( as confirmed per email dated XXXX see Exhibit F ) was sent to me that I have never activated. I was never informed of any potential liability on my new credit card during my conversation on XXXX XXXX, 2016. I never received any communication from BARCLAY as a follow-up to my conversation on XXXX XXXX, 2016. 
7 ) Subsequently, I received a letter on XXXX/XXXX/2016 ( Exhibit G ) from BARCLAY for billing period ( XXXX XXXX/XXXX/16 ) stating that payment due on my new credit card ending ... XXXX was XXXX dollars and I had to make payment by XXXX XXXX, 2016. 
8 ) I immediately called BARCLAY and spoke to a representative who addressed XXXX as a 'BUSINESS PARTNER ' and then spoke to another representative ( Operator ID : XXXX ) on XXXX/XXXX/16 who refused to give me a clear reason as to why my credit card ending ... XXXX was cancelled on XXXX/XXXX/16 since 'he was not there '. 

I urge Consumer Financial Protection Bureau to safeguard my consumer rights and consider an independent third party inquiry in to the BARCLAY credit card dispute related to fraudulent activity by XXXX due to potential conflict of interest and unfair/conflicting investigation done by BARCLAY so far. 

Enclosures- Exhibits A-G

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