Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I moved from Florida to NC and had to discontinue my XXXX security services. After 25 years of faithful payments XXXX wanted me to pay {$690.00} because I was closing our service before the contract ended. They tried to blackmail me into moving my service to our other home in North Carolina or said they would enforce this payment. Some time later I found XXXX put a charge on my Barclays credit card account # XXXX XX/XX/XXXX for {$690.00} - without my permission for them to use the credit card. They had gone back into our account and found a credit card I previously used for auto pay but had revoked the auto pay for months before they used it for this disputed amount because they often charged incorrect amounts. I have disputed this charge several times with the Barclays credit card company but they keep rejecting the dispute, based on XXXX showing them an old contract we signed. But this is not the point. My concern is that WITHOUT any current authorization from me and in violation of the contract language I will quote below, they put this charge on a credit card I previously gave them. The authorization to use this credit card was revoked many months before they used it to charge this {$690.00}. Is this legal or is it a fraudulent charge for a company to use old, previously revoked credit card information to charge an amount I told them I wouldn't pay? I have a contract copy from XXXX dated XX/XX/XXXX which says in the " XXXX  Authorized Approver section that, " I authorize XXXX to withdraw all recurring charges for the equipment and installation and XXXX services, as well as any contract termination charges and other charges and amounts for which I am liable under my XXXX contract, from my bank account or credit card provided to XXXX, through an Automated Clearing House ( ACH ). This authorization will remain in effect until the termination of my XXXX contract OR UNTIL I CANCEL THE CONTRACT, WHICHEVER OCCURS FIRST. '' I canceled the contract on XX/XX/XXXX. Therefore, based on the language above in capital letters, since I canceled the contract on XX/XX/XXXX, XXXX no longer had any authorization to use my credit card when they processed the {$690.00} on XX/XX/XXXX. Finally, it is my understanding that any ambiguities in a unilateral contract such as this are to be construed against the party that drafted the contract. This dispute should have been handled and resolved between XXXX and me without the un-authorized amount being charged to my credit card. Please let me know if my concerns are reasonable as this is a huge amount of money not earned by XXXX and taken by them under questionable circumstances which frankly feels like theft to me. This disputed amount should have been resolved between us without involving the credit card company in violation of XXXX 's own contract language quoted above.

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