Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am filing this complaint due to Barclays Banks ongoing failure to address multiple serious issues : mishandling of my dispute, repeated denial of legitimate transactions, and reporting inaccurate information to credit bureaus.

Summary : 1 ) Mishandling of Dispute Truth in Lending Act ( TILA ), Regulation Z 12 CFR 1026.13 Barclays improperly closed my dispute, claiming I failed to provide new evidence and that the transaction was face-to-face. This is factually incorrect. The merchandise was not received during any face-to-face transaction ; it was shipped from the merchants warehouse, and upon delivery, was not the merchandise I purchased. This can be verified by the document being submitted titled Document for Dispute Claim. Barclays also failed to provide me with a method to submit this documentation, which later Barclays stated in their response, it could have been mailed or faxed, which was not given to me when this case was opened, else I would have done so.

Under TILA ( 12 CFR 1026.13 ), Barclays is legally obligated to conduct a reasonable investigation of billing error claims and resolve disputes fairly and promptly. Their failure to review my evidence and their reliance on inaccurate merchant information violates these obligations. Furthermore, the merchant breached their own contract by failing to deliver the agreed-upon merchandise, as shown in the attached email correspondence. 



2 ) Denial of Legitimate Transactions TILA + CFPB UDAAP ( 12 U.S.C. 5531 ) I am paying an annual fee for a credit card that I have been repeatedly unable to use due to excessive false fraud alerts and declines of legitimate transactions. This includes situations where I was actively on the phone with Barclays, attempting the same transaction multiple times after completing all requested identity verifications. Barclays own call logs and transaction timestamps will confirm these simultaneous events. 

Under 12 U.S.C. 5531, it is unlawful for a financial institution to charge consumers fees while failing to provide the contracted service. This continued inability to rely on my card, despite paying an annual fee, is unacceptable and constitutes an unfair practice. 



3 ) Inaccurate Credit Reporting Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Barclays is also reporting incorrect information to credit bureaus, affecting my credit profile. Specifically, I am attaching documentation showing an authorized user account appearing on my credit report as proof of the accounts existence. Barclays has failed to correct this inaccurate reporting and stated we were not able to locate an account in which you are an authorized user.

Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit data must provide accurate information and promptly investigate disputes. Continuing to report inaccurate information without correction violates these obligations. 



Additional Concerns : During one of my calls with Barclays, a representative, XXXX, assured me they would call back to continue our discussion, as the initial call came at an inconvenient time. That follow-up call never occurred, further demonstrating Barclays lack of customer care and communication. 

I have complied fully with my cardmember agreement and attempted to resolve these issues. Despite my efforts, Barclays has failed to provide any meaningful resolution. If Barclays refuses to properly address these issues, I am prepared to escalate this matter through arbitration. There has been more than enough back and forth without resolution. Resolving these matters is now more important to me than maintaining a relationship with Barclays.

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