Consumer complaint received 2026-03-18 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: FL

Complaint narrative:
I am filing this formal complaint against Barclays Bank Delaware regarding their handling of a disputed transaction in the amount of {$3500.00} charged on or around XX/XX/2025, to my XXXX XXXX Background of the Dispute The merchant, XXXX XXXX XXXX, engaged in deceptive marketing by promising to facilitate a {$100000.00} loan. They verbally assured me via a recorded call that funds would be available within five days. Under pressure, I was directed to sign a contract that they claimed was a " mere formality '' and did not reflect our verbal agreement. Upon discovering that XXXX XXXX XXXX was actually performing " credit card liquidation services '' a practice I learned was predatory and inconsistent with my request for a standard loanI immediately requested a cancellation and a full refund. Bad Faith Merchant Conduct Rather than honoring my cancellation, XXXX XXXX XXXX intentionally ignored my refund requests. They continued to contact me, but only to offer alternative services for which I had no contract and no desire. This " bait and switch '' tactic was clearly designed to move the clock forward and avoid returning my funds for a service I never authorized or received. Supporting Evidence of Non-Performance Affiliate Refund : An affiliated partner of XXXX XXXX XXXX, who had processed an additional charge, proactively issued a full refund after discovering they could not be of service to me. XXXX XXXX : Both XXXX and XXXX conducted investigations into the same merchant and the event ( 3 cards were used in total, 2 from other banks, XXXX and XXXX ), recognized the deceptive nature of the transaction, and successfully resolved the disputes in my favor. Procedural Failures by Barclays Bank Barclays has consistently failed to provide a reasonable investigation : Administrative Obstruction : Barclays provided no digital way to upload evidence, insisting on physical mail that they repeatedly claimed was " lost, '' causing significant delays. Negligence of Substance : Barclays denied the claim based solely on a " non-refundable '' clause in a contract for a deceptive service. They failed to address the fact that the contract was predicated on the false promise of a loan. Timeline Issues : Barclays has now closed the case, citing that the time period has passed, despite the fact that the timeline was extended solely due to their own internal processing errors. Requested Resolution I am asking the CFPB to compel Barclays to : Re-open the investigation and acknowledge the bad-faith behavior of the merchant. Recognize the transaction as a deceptive service under the Fair Credit Billing Act ( FCBA ). Issue a permanent credit of {$3500.00} to my account and refund any interest charged on this transaction. Sincerely,

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