Consumer complaint received 2026-06-11 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: CA

Complaint narrative:
I am filing this complaint regarding Barclays Bank Delaware 's handling of a billing dispute involving a transaction with merchant XXXX XXXX in the amount of {$440.00} dated XX/XX/XXXX. Barclays denied my dispute on XX/XX/XXXX, stating that : 1. The claim was outside permitted dispute timeframes ; and 2. There was insufficient proof that the merchant violated the terms of the transaction. I dispute both conclusions. I originally initiated the dispute within the applicable timeframe and repeatedly submitted additional documentary evidence throughout the investigation and appeals process. Barclays continued accepting documentation from me but ultimately issued a generalized denial without specifically addressing the evidence I submitted. The central issue is that the merchant falsely characterized a {$110.00} payment/credit as a refund related to the defective merchandise. However, the written communications I submitted clearly demonstrated that this amount was not a refund for the defective product, but instead a separate courtesy concession related to shipping delays. The documentation I provided established that : 1. The {$110.00} amount was issued because of delayed shipment ; 2. The defective merchandise issue remained unresolved ; 3. The merchant separately acknowledged problems with the product ; 4. Thhe merchant continued representing that further resolution or refund would occur ; 5. The merchant later became unresponsive and the website subsequently became unavailable. I provided Barclays with documentary evidence directly contradicting the merchant 's representations. Despite this, Barclays failed to explain : 1. Which evidence was considered insufficient ; 2. Which exact dispute deadline alledgedly expired ; 3. When that deadline expired ; 4. Why my contradicotry documentation was disregarded. I believe Barclays failed to conduct a reasonable investigation and improperly relied upon inaccurate or misleading information supplied by the merchant while disregarding documentary evidence submitted by me. I am requesting that Barclays : 1. Reopen and reconsider this dispute ; Despite the expiration because I submitted the initial dispute within the allowable timeframe. 2. Conduct a full review of all evidence submitted 3. Provide a detailed written explanation identifying the specific timeframe they believe expired and the basis for concluding my evidence was insufficient. 4. Correct any inaccurate reporting associated with this disputed transaction while the matter remains contested. I am prepared to provide supporting documentation including merchant communications, screenshots, dispute correspondence, and additional evidence demonstrating that the merchant 's claims were contradicted by their own written communications with me.

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