Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
b'CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)\nFORMAL COMPLAINT DRAFT FOR SUBMISSION AT consumerfinance.gov/complaint\n\nCOMPLAINANT INFORMATION\n\n\nName: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCOMPANIES SUBJECT TO COMPLAINT\n\n\n1. Barclays Bank Delaware (Barclays US Credit CardsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPRODUCT/ISSUE TYPE\n\n\nProduct: Credit Card\nIssue: Problem with a balance transfer / Missing payment that has not been returned\n\nCOMPLAINT NARRATIVE\n\n\nI am an XXXX-year-old consumer writing to report an unresolved $XXXX missing balance transfer that has caused significant financial harm. Despite nearly XXXX months of repeated phone calls (more than XXXX hours total), written correspondence, and providing all documentation requested by both companies, neither Barclays nor XXXX has resolved this matter or returned the missing funds.\n\nWhat Happened:XXXX XXXX XXXX XXXX I initiated an online balance transfer of $XXXX from my Barclays Old Navy Mastercard (account ending XXXX) to my XXXX XXXX credit card (account ending XXXX, now reissued as XXXX due to subsequent fraud). When entering my XXXX account number online, I made a one-digit transposition error: I entered 5XXXX XXXX XXXX XXXX instead of the correct number XXXX XXXX XXXX XXXX\n\nBarclays confirmed in a written letter dated XXXX XXXX XXXX XXXX XXXX XXXX that the payment was sent via check on AXXXX XXXX XXXX to account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX The total amount was XXXX confirmed in multiple written letters XXXX XXXX XXXX XXXX XXXX payment was ever received. A XXXX representative verbally stated that account number 5XXXX XXXX XXXX XXXX did not exist, and that any payment sent to a non-existent account would be returned to the sender (Barclays). No such return credit has ever appeared on my Barclays account.XXXX XXXX XXXX XXXX acting on advice from a Barclays representative who assured me I had sufficient credit, I initiated a second $XXXX balance transfer from my separate Barclays AAdvantage card (ending XXXX) to my correct XXXX account. This second transfer was received successfully. I now carry $XXXX in new Barclays debt but received only $XXXX in credit leaving me $XXXX out of pocket, paying interest on money I never received.\n\nWhat Went Wrong:\n\n\tBarclays sent a $XXXX check to a non-existent account number. According to XXXX, such a check should have been returned to Barclays. It was not, and Barclays has not traced or recovered it.\n\tBarclays has not conducted or shared the results of any check trace in nearly twelve months.\n\XXXX closed the case in XXXX XXXX citing "insufficient information received," despite the fact that I sent all requested documents repeatedly and have confirmation emails to XXXX XXXX with Barclays\' letters and case numbers attached.\n\tNeither institution has taken responsibility for tracing or returning the funds.\n\nWhat I Am Requesting:\n\n1.\tBarclays must trace the XXXX XXXX XXXX check and determine whether it was cashed, returned, or lost.\n2.\tBarclays must credit $XXXX plus all accrued interest and fees to my XXXX XXXX account ending XXXX must reopen XXXX XXXX and provide written confirmation that account XXXX XXXX XXXX XXXX did not exist on XXXX XXXX XXXX4.\tBoth institutions must communicate with each other and with me in writing to resolve this matter within 30 days.\n\nSUPPORTING DOCUMENTS AVAILABLE\n\n\n\tBarclays written confirmation letter dated XXXX XXXX XXXX (Case XXXX XXXXBarclays Old Navy statement (account ending XXXX) showing $5,000 balance transfer charge\n\tBarclays AAdvantage statement (account ending XXXX) showing second $XXXX balance transfer\n\tMultiple XXXX letters (XXXX XXXX XXXX XXXX) confirming $XXXX payment not found XXXX XXXX\n\tEmail correspondence to XXXX transmitting Barclays letter and reference numbers\n\tPersonal timeline narrative documenting all calls and actions taken since XXXX XXXXKEY REFERENCE NUMBERS\n\n\nBarclays Case ID: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIncorrect account number Barclays sent funds to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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