Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

Attention : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Barclays XXXX XXXX [ last name undisclosed ] By virtue of Barclays last letter dated XX/XX/XXXX, Barclays pretends to have resolved a dispute which arose in XX/XX/XXXX. The dispute, however, remains unresolved and, as stated in my complaint of XX/XX/XXXX, there is now a further implication : Barclays apparently has taken action which places at risk my health insurance coverage. 

The issue, first reported on XXXX XXXX, XXXX, is an overcharge in the amount {$280.00}. I NEVER claimed that the merchant altered the amount charged on my account, as Barclays incorrectly alleges in its XX/XX/XXXX letter. More than once, I provided Barclays with the merchants own receipt of payment in the amount of {$13000.00}. Barclays, on the other hand, charged my account {$13000.00}. This overcharge by Barclays is what I have been disputing since XX/XX/XXXX. Barclays, despite the more than 5 months it has taken to investigate the case and its various letters, has not been able, or willing, to provide any explanation for this difference. The question is simple : Why does Barclays pay a merchant XXXX amount and charge its client a higher amount? Please explain. 

Since my complaint of XX/XX/XXXX, it appears that Barclays contacted the merchant, reversed or cancelled its original XX/XX/XXXX payment to the merchant in the amount of {$13000.00}, and then paid the merchant about {$13000.00}. Meanwhile, I had paid Barclays {$13000.00}, as Barclays acknowledges in its XX/XX/XXXX letter. The credit Barclays claims to have provided basically allows for the charge on my account to be {$13000.00} ( what I paid ) instead of Barclays original charge on the account of {$13000.00}. However, since Barclays received {$13000.00} from me and subsequently reversed and paid the merchant about {$13000.00}, Barclays continues to overcharge me. So, the question persists : Why does Barclays pay a merchant XXXX amount and charge its client a higher amount? 

Without explanation from Barclays, Barclays is still overcharging me {$280.00}. Moreover, the merchant is now contacting me for payment of such difference. I reiterate, Barclays is still overcharging me in the amount of {$280.00}, and NO, the dispute was not resolved in my favor. Barclays makes it appear as such, but it is not true. As also explained in my previous complaint, the merchant happens to be my health insurance provider. Thus, Barclays now has put my health insurance coverage at risk. 

Since XXXX XXXX nor any of XXXX Barclays colleagues answer the direct line nor return messages ( despite the recording that Barclays attempts XXXX respond to calls/messages within XXXX hours ), I am forced to file this CFPB complaint in my prolonged and unending attempt to resolve this case. 

If customer service is very important to Barclays, as it states in its letter, and if it honestly regret [ XXXX ] the hardship it is imposing upon me, as it also expresses in its letter, then Barclays will have the respect and courtesy to answer the question posed above. 

I am very interested in resolving this dispute once and for all and ensuring that my health insurance coverage is not placed at risk. 

Thank you, XXXX XXXX