Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
b'CFPB EXECUTIVE ESCALATION: VIOLATION OF FAIR CREDIT BILLING ACT / SYSTEMIC FAILURE TO ACCEPT CONCEDED DISPUTEI am filing this formal complaint against Barclays Bank Delaware regarding an ongoing billing dispute across my XXXX credit card accounts totaling a combined sum of XXXX.Transaction XXXX Dispute case numberXXXX XXXX XXXX (Transaction Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for a premium front-facing XXXX XXXX cover feature.Transaction XXXX Dispute case number-XXXX XXXX XXXX (Transaction Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX to syndicate that cover feature.THE PROBLEM WITH THE MERCHANT:The merchant, XXXX XXXX XXXX XXXX XXXX, executed a total XXXX. They failed to deliver the XXXX XXXX buried my paid feature on page XXXX of a XXXX XXXX, and hardcoded my high-profile name and credentials into the XXXX XXXX XXXX XXXX of another client\'s cover file to XXXX my XXXX XXXX They also failed to complete or distribute the press release.Following formal consumer protection escalations with the XXXX XXXX XXXX and State Attorneys General, the merchant officially surrendered the dispute in writing on XXXX XXXX XXXX. The merchant formally stated on the regulatory record: "...we will remove her feature, custom cover, and all related XXXX XXXX and a refund will be issued for all associated XXXX XXXX." The merchant previously admitted in writing that the XXXX services were entirely unfulfilled.THE FAILURE OF BARCLAYS BANK:The merchant has legally given up, canceled all contracts, and explicitly authorized a full 100% refund of all associated services because zero services were rendered or retained.I have contacted Barclays multiple times to report this complete merchant concession. Barclays\' customer service has been a nightmare: they have provided me with multiple incorrect fax numbers, refused to provide a secure digital upload link, failed to provide updates, and management has failed to return my calls. Offshore representatives are stalling my file and asking irrelevant questions about "partial service," forcing me to wait out an automated XXXX merchant response clock even though the merchant has already formally surrendered the fight.DESIRED RESOLUTION:Under Fair Credit Billing Act guidelines for undisputed merchant errors and services not received, Barclays must accept the merchant\'s written concession. I demand that a Barclays Executive Supervisor manually review this file, bypass the automated waiting timelines, and immediately process the permanent, 100% full credit reversals of XXXX XXXX XXXX back to my respective lines of credit.\n\n IMPORTANT EVIDENCE: COPY-AND-PASTED EMAIL EXCHANGE BELOW.Please note: The very first message from XXXX XXXX (Customer Service) is her direct corporate response to my formal email demand pasted at the bottom.[XXXX XXXX RESPONSE TO MY EMAIL]:\n\nGood Afternoon,\n \nAs per our conversation yesterday, I am responding in writing.\n \nFirst, I can confirm that we are able to remove your feature from the current edition. Once removed, the content will eventually be de-indexed by XXXX; however, we are unable to provide a timeline for this process, as it is determined solely by XXXX and is outside of our control.\n \nAs discussed, I reviewed the call between you and XXXX and can confirm that she stated on multiple occasions that you would appear on a custom cover.\n \nThis appears to be a genuine misunderstanding, and we understand your disappointment. With that in mind, we would like to offer a refund for the plaque and press release, as neither has been completed or distributed. The total refund amount would be XXXX.\n \nWe recognize that you were excited about this opportunity and would like to work toward a resolution. To make amends for the misunderstanding, we would like to offer you placement on the standard cover of our upcoming XXXX edition of XXXX XXXX at no additional cost. This edition is expected to be released digitally in XXXX, with the print edition following in XXXX In addition, we would include your one-page feature within the magazine.\n \nThis means that all readers who receive the standard edition of the XXXX than a personalized custom-cover versionwould receive and see the edition featuring you on the cover.\n \nWe hope this proposal demonstrates our commitment to finding a fair resolution and look forward to hearing your thoughts.\n \nI will await your response.\n \nKind regards,\n \nXXXX XXXXCustomer Service Representative\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0XXXX XXXXMY EMAIL DEMAND SENT TO XXXX XXXX XXXX (Transaction Date: XXXX paid specifically for the PUBLIC front-facing cover and feature.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) paid for the press release distribution.\nInstead of delivering these services, your office executed a total bait-and-switch. A live, publicly indexed search result for my name pulls up this specific XXXX XXXX XXXX XXXX XXXX XXXX face and name command the actual XXXX XXXX cover, while my paid feature is buried entirely on page XXXX of the XXXX XXXX Furthermore, you failed to issue my press release as promised.\nFollowing my discovery of this, XXXX XXXX and customer service representative XXXX XXXX have attempted to mislead and stall me with claims of a "soft launch" and promises of a hidden "personalized link." Furthermore, on an officially recorded corporate line, XXXX XXXX explicitly stated that she would issue a refund if I was not satisfied with her resolution. I am completely unsatisfied with this failure. XXXX XXXX then immediately backpedaled on that recorded commitment, stating she would provide a resolution in XXXX days.\nThis corporate stalling is entirely unacceptable. Let me be entirely clear: I did not get what I paid for, and I completely reject any personal links, soft launches, or delayed XXXX-day timelines. A hidden link or a shared XXXX XXXX that attaches my high-profile name to XXXX XXXX digital cover is a completely unacceptable and inferior service.\nYou have committed misrepresentation of likeness and identity hijacking by hardcoding my exact legal name and CEO credentials into the metadata tags of this specific XXXX XXXX file. This unauthorized action forces XXXX XXXX to publicly index my distinct identity directly to XXXX XXXX XXXX XXXX XXXX manipulating my name solely to drive search engine traffic to your file.\nTake notice of the following non-negotiable actions already underway:\nFraud Disputes Filed: I have initiated aggressive chargebacks with my credit card company for both the XXXX XXXX XXXX charges for Services Not Rendered.\nAttorney General Escalation: A formal consumer protection complaint has been logged with the XXXX XXXX State Attorney Generals Office detailing this bait-and-switchXXXX and XXXX Actions: Regulatory reports have been submitted to the XXXX XXXX XXXX, and a formal removal request is currently "In Progress" with XXXX Privacy Team to break your index.\nTHE ONLY ACCEPTABLE RESOLUTION:\nI demand a 100% full refund of all funds totaling XXXX and the immediate removal of my name from this specific XXXX XXXX file within XXXX hours.\nIf my name is not completely scrubbed and un-indexed from this specific domain file within XXXX hours, I will hand this entire fileincluding XXXX explicit promises, XXXX recorded verbal agreements, and subsequent correspondencesto my legal counsel to escalate this to an active civil suit for damages to my brand.\nProvide written confirmation that my data has been permanently deleted from this specific file and the full refund has been processed immediately.\n \n \nSincerelyXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation