Consumer complaint received 2025-06-10 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: WA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX XXXX or cult Dear Fraud Team : I want to appeal Barclays ' fraud team 's member decision, named XXXX, last name unknow. Barclays does not accept emails and the telephone number provided is always busy, generally the voice mail feature does not work. Either the fraud team is so small or so busy with a huge workload. 

XXXX membership is a " XXXX XXXX or a cult. '' Once a member, you can not cancel, or quit. It is not an asset that can be sold or given away. Their contract is designed for life, death is the only way to exit this cult. I am surprised Barclays wants to be involved with this criminal enterprise. 

Based on XXXX 's denial, she either did not read my documents or did not understand them. 

I submitted 2 claims with identical paperwork/documents. XXXX, no last name given, reviewed and analyzed my documents. XXXX concluded XXXX by XXXX had committed fraud. Whereas, XXXX did not. 

1st, XXXX had the wrong account number of # XXXX which has been closed. The correct account number is # XXXX. 

2nd, when asked for a copy of the credit card application, XXXX only provided a checklist of items XXXX said we saw. We were not allows to review any XXXX documents by XXXX XXXX, the timeshare agent. Yes, the checklist was signed but by XXXX XXXX, who even misspelled my wife 's name. My wife knows how to spell her name. XXXX did not. 

3rd, my wife is retired and only receives about {$800.00} per month from Social Security, but was approved for {$23000.00} credit. This is predatory lending. Again, I am requesting a copy of the credit card application to verify the income used for approval. 
{$9600.00} income and {$23000.00} credit, which is 240 % or a XXXX factor, predatory lending! 

4th, XXXX said my wife called their number to discuss auto pay options on XX/XX/year>, interesting since no one answers the telephone at Barclays. This is totally false and made up. By XX/XX/year>, we had decided to cancel this timeshare membership. I am my wife 's authorized representative, hence my wife has never had any involvement or communications with Barclays, Since Barclays record telephone conversations, let 's hear this one. 

5th, XXXX says Barclays paid XXXX the initial down payment of {$12000.00}. 
XXXX say no! In fact, XXXX is asking us for {$25000.00}, {$12000.00} given back to Barclays plus {$12000.00} to replace Barclays money. XXXX wants the {$25000.00} plus Barclays {$12000.00}, total {$37000.00}. 

6th, XXXX concluded since XXXX had our identification information it must be legal. 
That's what fraud is all about. Convincing the victum to let their guard down so a crime can be committed. Per XXXX XXXX, it was mandatory for us to provide her with our identification before the mandatory sales presentation could start. 

7th, XXXX did not understand the documents presented, is she new at the job? 
XXXX did. XXXX XXXX, XXXX XXXX, and XXXX XXXX all from XXXX committed fraud and deception. In doing so they created a " XXXX XXXX or cult '' that's a crime.

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