Consumer complaint received 2021-02-19
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On XX/XX/XXXX I made a purchase from a site XXXX that was advertised on a reputable news outlet. Add was for 7 special addition coins @ {$4.00} = totaling {$32.00} plus 8 free coins & free shipping. During the checkout, other items were offered of which I declined and the final page of purchase said Thank you for your order with no total. I never received an email confirmation so I had no way to look up or track my purchase & 7 days later, XX/XX/XXXX Package arrived with 3 items I didn't purchase & and I was charged more than double for the coins. The invoice total was {$180.00} when all I should have been charged was {$32.00}. The package & invoice had no company name, no email or phone #, or company policies, only an address. I called Juniper Card Services and they told me the Charges were under XXXX and gave me the phone number & suggested I call them first & try to resolve. I immediately called them, the first rep. insisted I made charges & that I received an email, but when I asked her what email they had for me she hung up.

I called right back & explained to another rep. named XXXX who also insisted I made the purchase and only offered me a lifetime coin membership, put me on hold & after 1/2 hour I was disconnected. I then On XX/XX/XXXX same day filed a Dispute with Juniper CC Services/Barclay bank. My first & only dispute in the 12 yrs. of being a card holder with excellent payment record. I was given a temporary credit & then my Dispute was denied on XXXX  & I was recharged the full amount. I called Juniper again & was told I failed to cancel the order before I received it, I explained I didn't know I was going to receive 3 items I didn't purchase and be overcharged for the one I did. I was then told by Juniper rep. to put my grievance in writing. I did on XX/XX/XXXX, I explained that the transaction was fraudulent and even the charges were under a different name & it was re-opened. In the meantime I finally got a manager call back 15 days after request on XX/XX/XXXX & XXXX told me, they really can't investigate & in her opinion I would be denied these companies are pre-paired with all the right answers & I don't have a chance. I explained that they have fraudulent complaints against them for the same scam and she said it didn't matter. On XX/XX/XXXX I received the second Denial letter. In the meantime I had sent two more letters in a Fax on XX/XX/XXXX & XX/XX/XXXX to the Fraud Department with more evidence I had found in my research about this Company XXXX ... They have 71 Fraud complaints on the XXXX  of which XXXX responded & refunded money to others for the same fraud, plus 35 scam complaint reviews unresolved of which I made Barclay/Juniper CC aware of in addition to copies of their return Policy which states 30 day Money Back or Return Guarantee. I called 7 days after purchase when I received the fraudulent purchases charged to my card and reported it to Juniper & tried to resolve with the company. 
Also California State Law that they do business under says that no only does the company have to comply with the return policy, they also by law have to post any other name they do business under for the consumer to see and be aware of, which nowhere on their site does it say XXXX, the name the charges were under. I calle Juniper on XX/XX/XXXX & was told my Dispute was re-opened on XX/XX/XXXX after receiving my letters & then on XX/XX/XXXX I received the final letter I was Denied a 3rd time with same excuse all 3 times as if they didn't look into it or try to resolve at all. Barclay Bank does nothing to protect the consumer from Fraud especially when I have provided them with all of the information about this obviously Fraudulent Company

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