Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I am writing today to provide a detailed series of events that lead me to argue that XXXX XXXX is designed to fleece their clients. 
In XX/XX/year>, I was sponsored by my current brokerage company, XXXX. Shortly after, I started to get bombarded with companies that claim they can set appointments with potential clients. Most of them, I just ignored. 

XXXX XXXX sent me an invitation to attend a one-on-one zoom meeting. I reluctantly accepted ; they provided me with all the links I needed to find out more about their program. XXXX Website, rerecorded presentation with paid testimony and such. I was impressed if they could do what they promise, I would be able to stay busy talking to potential clients. One point they were pushing both on their website and in conversations was their guarantee. It was repeated that they offer a four-month guarantee to produce XXXX appointments. If they didnt, they stated they would work for free until they did. 
I became concerned and requested a meeting with my account representative towards the middle of the fourth month. At that point I had only received around XXXX appointments and about half did not meet with the qualifications that we set up together. I started asking the representative XXXX XXXX ) why we were not getting what was told I would be getting and asked how the guarantee works. He started getting nervous and said they dont really offer a guarantee. But reiterated that he would do everything to make sure I would get the appointments they ( XXXX  XXXX and every rep I spoke with during the sales process ) said I would get. He said he would check into the guarantee with management. A few days later, I was told that XXXX was terminated along with his promise to make it right. 

At this point I was assigned to XXXX, whom I discussed my concerns with, and he reassured me that he would make things happen but went on to say they dont offer that guarantee. He stated that he would stop the charge for {$900.00} ( ad Spend ) and the {$400.00} service fee. He said the guarantee was nowhere in the agreement. I asked for a copy that I could see, and he sent it to me. 
You see, they sent me an agreement to my email and pressured me to e-sign or lose the promotional rate. They were good at selling me on this service and earned my trust. I felt that if they offer the guarantee of XXXX appointments, I was sure I could do a mortgage for at least XXXX, which would have paid for the upfront cost of {$9500.00} and the $ 900 monthly ad but and the $ 400 monthly service fee that started after the fourth month. 
Besides, I made sure that I paid this on my credit card for added security as I know that or thought that my credit card company would add a layer of security if they were a scam or fraudulent. It became clear that they were a fraudulent company. When I contacted them about my concerns that they werent producing the appointments, they stopped all activity when I told them that they needed to honor the guarantee. This guarantee was both verbal and in writing on their website in XXXX places XXXX in their verbiage of the program and the FAQ. I will include a screenshot of this from their website. 
When they stopped all activity, I could no longer contact them, they closed their website and I was told they filed bankruptcy. Even if the bankruptcy part did or didn't happen, the fact that they closed shop leads one to believe that I am but one client that got scammed by them, how many others fell for the same scam. 
All total, I had paid close to $ XXXX on different credit cards. I have disputed it with my XXXX, and XXXX XXXX and they since have been resolved in my favor. Barclay 's originally found in my favor and credited me the {$6000.00} and {$900.00} transactions. They sent me a letter that they had found in my favor. Last month they turned around and put the charges back on my credit. I appealed the dispute. 

Barclays keep asking if I signed the agreement and authorization. My answer is Yes, when I thought they were a legitimate business, I did. For example, If I hired an air conditioning company to come in a replace my unit with a brand new name brand unit, signed and agreement and authorized the transaction, the company then disappeared and did not replace my unit but kept my money, by their ( Barclays ) logic I would not be entitled to recover via chargeback. 
I know that consumer protection laws are in place to protect people that have been defrauded, this is what gives us certainty, security and confidence in the market. Once we are no longer protected the markets will suffer. 



Sincerely, 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 monetary relief