Consumer complaint received 2015-07-04
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (AZ)

Complaint against Barclay MastercardThe transactions listed below are how they show on my statement : On XXXX XXXX : wrote a check {$6200.00} to make payment on bill ( note : i wrote numbers correctly as {$6200.00}, but mistakenly wrote words out to read " XXXX XXXX and XXXX dollars '' ) ( so that amount {$6000.00} should be the correct amount credited as my payment ) XXXX " ARC Payment received '', account credited $ XXXX " encode error '' account debited $ XXXX " misposted payment '' : account credited $ XXXX ARC Pay returned per bank : XXXX Encode Error Returned : account credited $ XXXX Encode Error Returned : account debited $ XXXXXXXXWith this last " encode error returned '' as a debit, effectively the {$6000.00} that the company cashed has just disappeared. It has not been returned to my bank account. It has not been credited to my account. My account looks like it never happened. 
As stated above, these transactions are as they appear on my side of the account. XXXX is not when those transactions occurred because from XXXX until this evening XXXX I have had several phone calls to the company, getting a different manager each time, each of whom tells me ( after reading through previous person 's notes and my explanations ) that they will get it taken care of etc. Has not happenedFollowing are dates of my phone calls..each XXXX being initiated by me:XXXX Manager : XXXXXXXX/XXXX ( while I am on vacation ) ( I do n't wait to speak to someone ... I am on vacation ) XXXX XXXX conference call w/my bank on the line ( will get back to me personally ) XXXX PM XXXX XXXX XXXX conference call w/my bank on the line ( will get back to me personally ) XXXX XXXX ( I received this call..only call I had yet received ) XXXX XXXX..got disconnectedXXXX/XXXX I called back : XXXX phone call XXXXXXXXEach person in this chain assured me that their error ( s ) would be corrected and they would get back to me within XXXX hours. No one ever got back to me. ( though I just spoke w/shay this evening. I am expecting a call from her XXXX Monday XXXX/XXXXDuring this time, Interest charges, and payment return fees have been being debited to my account, each time I have said to reverse them. 
Again my side of the account showing all transactions taking place on XXXX Interest Charge Adjustment : account debited : + XXXXXXXXpurchase interest charge : account credited : XXXXXXXXreturn payment fee : act. debited XXXXXXXXreturn payment : acct credited XXXXXXXXInterest charge purchases : acct. debited XXXXXXXXInterest Charge Adjustment : acct credited : -XXXXXXXXInterest Charge Adjustment : acct. credited XXXXXXXXInterest Charge Purchases : acct. debited $ XXXXXXXXComplaint : Barclay made error close to 2 months and it has not been resolvedI, the consumer, can not reach a higher level person to take care of the problem. I am sent in XXXX XXXX person in charge of the caseTHE CREDIT CARD COMPANY has manipulated my account with no transactions taking place. The credit card company is creating them with " encode error '' descriptions. 
Customer has no ability to get issue resolved immediately or to his or her satisfaction because the " manager '' structure is designed to continue to pass the customer off indefinitely all the while the company does what it wants with the account. 
All I can view is my statements, and transaction dates on my statement do not reflect real time.