My name is XXXX XXXX ; I want to file a complaint on my credit card account with Barclays Bank Delaware. They have denied my dispute with a merchant, XXXX XXXX Calls back in XXXX/XXXX/16. It was an emergency phone call that I to make to call my spouse. The location was at a XXXX XXXX XXXX in XXXX, PA. This public pay phone clearly stated {$2.00} for the first 2 minute. But it never showed on there any types of charges might be associated with the call. I stood there and read all the little fine prints over 5 minutes before I made the call. Even when I made the call, I clearly listened to all the automated direction. There was no disclaimer of any types of charges might be add on for it. I carefully listened to all the messages before i typed in my credit card # 's. Finally, I made a XXXX minutes call using my watch to time it. Then about XXXX minutes later, I tried again but never got through. When I got home, I was billed and charged 3 times on my billing statement : {$21.00}, {$34.00}, {$21.00} totalling about {$77.00}. I was upset and called the XXXX XXXX and they did n't resolve nor explained anything to me. Simply they did n't care at all. So I called my Barclays Bank and disputed, we got on the phone and did a XXXX way calling to XXXX XXXX. This company gave me a run around and finally offered me XXXX partial refund of {$21.00}. But I did n't agree to it since no other phone call went through. I made XXXX call XXXX minutes and got charged this much. The customer service agent for XXXX was obviously a foreigner. He did n't even speak XXXX well and did n't understand a lot of common sense. I asked him if he was in XXXX XXXX or XXXX because I could easily spot a foreign speaking person doing customer service for U.S companies. But he kept denying where he was. We all have talked to foreign customer service rep many times before and its inevitable. I was on the phone over 45 minutes explaining to them, who in the right mind would pay such a high price for a call like this. Any one could get a prepaid cell phone less than {$20.00}, plus unlimited minutes at XXXX, XXXX, XXXX for less than {$50.00} a month. This was an emergency and I had to made that call only. After XXXX long months, my bank finally said they closed the dispute and had sent me letter. But I 've never received anything in the mail. Today, I called them and found out that I had not credited/refunded the charges because I did n't have any prove. I advised them that I did n't not have a phone to take any pictures of the disclaimer at that phone booth. I wish I could back there XXXX hours away just to prove my point. Basically, they told me I had to eat it and take a lost. Why would anyone pay for something that they did n't receive service. How was this fair to me as a consumer and knowing your bank always fight for you. Under the FTC regulations, consumers are protected for misleading, unfair, and fraudulent business practices. This is totally unfair, illegal, and unethical. I will take all necessary actions to pursue legal means for my hard-earned money. 
Please look into this and open and investigation as I am filing more complaint to the FTC and the XXXX Attorney office. 

Thank you for your time and I look forward to hearing from you. I will check my complaint status periodically after today. 

Sincerely, XXXX XXXX