Consumer complaint received 2020-04-16
Company: BARCLAYS BANK DELAWARE
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, after resolving fraudulent magazine charges on my account and ensuring the balance was {$0.00}, I spoke with a customer service representative and requested my account be closed. I was assured at that time the account was closed. On XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, stating that my account had been closed because it was more than 90 days past due. I immediately called the company and was told there had been an {$8.00} charge placed on my account on XX/XX/XXXX, ONE MONTH AFTER I WAS TOLD THE ACCOUNT HAD BEEN CLOSED. I had not received one billing statement in the mail between XX/XX/XXXX and XX/XX/XXXX notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card monthly and had been in good standing with Barclaycard. When I spoke with the Barclaycard representative on the phone, I was given a case number and told they would pursue this as a dispute ( rather than a fraudulent charge ). I received a letter from Barclaycard dated XX/XX/XXXX with the case number for the dispute saying they would let me know when they had completed their review. Then I received another letter from Barclaycard dated XX/XX/XXXX stating that they were unable to obtain credit for the fraudulent charge because it was " beyond timeframes to assist. '' The day I received that letter XXXX XX/XX/XXXX XXXX, I phoned the magazine company myself about the fraudulent charge, and they agreed to remove the {$8.00} charge from my account within 3 business days. I called Barclaycard on XX/XX/XXXX to verify that the charge had been removed and was told that the original {$8.00} charge had been credited and that all interest and fees incurred as a result of that charge ( which by now totaled > {$130.00} XXXX would be removed from the account and that the account would remain closed. TWO DAYS LATER, on XX/XX/XXXX, I was quite surprised and shocked to receive an email from Barclaycard about making a payment when I had been told 2 days prior that the account had a XXXX   balance and was closed. I called Barclaycard again on XX/XX/XXXX and am now being told that they will not remove the late fees and interest charged to this account since XXXX because it was greater than 3 months. I refuse to pay interest and late fees for a fraudulent {$8.00} charge that has now been removed from an account that was supposed to be closed. The delinquency charges on my account should lawfully be removed and this information should be reported to the credit bureau for the following reasons : 1 ) The charge was made after the account had been closed. 2 ) I did not receive a billing statement notifying me of these charges. 3 ) A Barclaycard representative agreed on XX/XX/XXXX to remove all charges/late fees but then failed to do so.

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