Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MN)

XXXX Payment mailed was made via a Cashiers check for {$580.00} prior to the date on the account was due. I have evidence the check was received on XXXX and deposited in the bank on XXXX. Someone at the company wrote my account number on the cashiers check so there should have been no misunderstanding of where the funds would be directed. 
XXXX I spoke with a Barclay Customer Service representative and was told the payment had not been received. 
XXXX called Barclay customer service again because the account was still appearing as due and interest was being added. He agreed to clear the interest charge if I would make the payment in full via ACH. 
XXXX ACH withdrawl was taken from my checking account for the full payment {$580.00} XXXX I called Barclay and canceled my account because of the negative experience the one and only time I used the card. 
XXXX I contacted XXXXXXXX XXXX  where I purchased the Cashiers Check to get a refund because the 90 days required to report the check lost for a refund. The bank informed me the Cashier 's Check had indeed been cashed and provided me with the evidence stated in the first statement in this complaint. 
XXXX I called Barclay customer service again to inform them they had accepted payment twice for the {$580.00} balance on the account, once via the cashier 's check and a XXXX time via ACH withdrawl. I was informed the Barclay records showed my account balance as XXXX. 
XXXX I received a letter from Barclay with this date that they had 'issued a provisional credit to my account in the amount of {$580.00} while they investigated the circumsttances surrounding the processing of the payment. '' The letter directed me to mail them evidence of the double payment on my account. 
XXXX I mailed the timelog of contacts reported in this complaint along with copies of the processed Cashier 's Check and a screen print from my bank showing the ACH withdrawl. 
XXXX Barclay sent me a check refunding the double payment. I thought the issue was resolved and since I had closed the credit card account I was done with Barclay! 
XXXX I received an email from Barclay telling me {$580.00} was due on my account by XXXX XXXX I called Barclay customer service again and was informed the results of their internal investigation did not show a double payment to my account so the balance of {$580.00} was re-instated to the account. A new case was opened by the Barclay repreesntative and I was told the case would be expedited and processed in XXXX days because of the length of this dispute. 
XXXX I spent XXXX hours on the phone with several different customer service representative at Barclay. At the end they told me I needed to contact XXXX XXXX because it was that organization that deposited the Cashier 's Check and I would have to get those funds back from XXXX. 
XXXX I contacted XXXX XXXX and was informed they at one time had handled some accounts for Barclay. I was directed to fax them evidence of the information recorded in this report. I faxed the information the same day. 
XXXX I followed up with a call to XXXX XXXX to see about the status of my inquiry because I had not heard back from them. I was told they have no record of an account for me. The customer service representative searched under my Barclay account number, my name and my social security number. No account for me showed up in the XXXX XXXX records. I was told my best option to resolve this situation was to file this report with your organization. 
XXXX I feel harrased by Barclay ( multiple calls per day and numerous emails per week ) to make payment on an account with their organizaiton which by the evidence I have provided should be a XXXX balance. This has been going on for weeks and I am so frustrated. Clearly their record keeping is faulty!!!!!