Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE (TX)

Here are excerpts from the note I sent to Barclay XXXX XXXX on XX/XX/year> ( without attachments which I sent to Barclays via registered mail ) : " Dear Barclays, BARCLAY ERROR IN DOUBLE CHARGING FOR CONVENIENCE CHECK USE Please remove the double charge to my account- I used XXXX convenience checks first XXXX was not funded due to me not answering the phone and identifying myself second check was funded, and I am making payments as agreed. If this is not resolved in the next XXXX weeks, I will file a complaint with the Consumer Financial Protection Bureau and seek their help. 

Before getting into all the details, I am very disappointed about the hours I have had to spend on the phone to correct Barclays error with my attempt to use a convenience check and then manage the process to get Barclays error off my credit report. I will say that XXXX ( unsure of the spelling ) with customer service was the most helpful and I appreciate her help to walk me through the best way to get this corrected. 

I am writing as I have been double charged for using XXXX of your convenience checks. I spoke with your customer care person, XXXX, shared details I reference below. I also attach my XXXX XXXX transaction log, XXXX and XXXX bank statements as evidence that I only received $ XXXX from you and that you initiated a stop payment, and the first convenience check was never funded. 

Here is the sequence of events which you can also see on your side : XXXX. XX/XX/XXXX I deposited Barclays convenience check XXXX for $ XXXX ( Attachment XXXX ). In response to my inquiry on XX/XX/XXXX ( case XXXX mistakenly closed ) Barclays send me a copy of the attached check XXXX which I endorsed and was accepted by XXXX XXXX ( attachment XXXX ). 

XXXX. XX/XX/XXXX Barclays did not honor the check as I was not aware that I was required to answer your verification phone call you STOPPED PAYMENT and NEVER FUNDED check XXXX ( Attachment XXXX and XXXX ), and you can see XXXX XXXX sought and pulled the funds back me on all my XXXX XXXX  accounts including joint accounts with my children. 

XXXX. XX/XX/XXXX On the advice of Barclays customer care, I deposited another convenience check XXXX for $ XXXX ( attachment XXXX ). I endorsed this check, and it was accepted by XXXX and Barclays funded this check. I made the XXXX and XXXX payments on this amount. 

XXXX. XX/XX/XXXX XXXX XXXX, some in Barclays in correctly assumed that check XXXX was missed in processing in XXXX and charged me a second time for convenience check XXXX Barclays did not fund. XXXX says that the amount must have gone to XXXX general ledger which doesnt make sense if it was not funded in XXXX. On my bank statement, you can clearly see that I endorsed and deposited the check on XX/XX/XXXX, then a week later Barclays put a stop payment and the funds were removed from my account as Barclays would not fund check XXXX. In reviewing this transaction on XX/XX/XXXX, Barclays is only looking at half of the transaction and is missing the stop payment and the fact that they never funded convenience check XXXX. 

XXXX. XX/XX/XXXX I received a notice that I was over my limit by $ XXXX because Barclays mistakenly reprocessed check XXXX in your system on XX/XX/XXXX account. 

XXXX. XX/XX/XXXX I called customer care who told me it will take a couple of billing cycles to investigate. In the meantime, this is impacting my credit report in a negative manner and I as a consumer am bearing the economic impact of Barclays mistake. 

XXXX. XX/XX/XXXX I called and learned that my original case was closed by Barclays because they sent me copies of the XXXX convenience checks I used - attachments XXXX and XXXX. I called fraud who closed my card and I requested their help and was told they did not investigate this kind of error as it is not fraud. 

XXXX. XX/XX/XXXX I spoke with XXXX who provided me this email address. I will also mail this to the address provided on attachment XXXX. 

Based on the clear error on the Barclays side, please credit my account for the mistaken $ XXXX, interest and any other fees related to your mistake. '' I have not received a response from Barclays after repeated requests for them to remove this issue.