Consumer complaint received 2026-01-22 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: NY

Complaint narrative:
This complaint involves multiple interrelated issues, including billing disputes arising from unauthorized charges, improper assessment of fees and interest, servicing errors related to address corruption and statement delivery, inaccurate credit reporting, and wrongful forfeiture of rewards. 

In XX/XX/year>, my GM Rewards credit card account ( then serviced by XXXX XXXX XXXX XXXX XXXX XXXX ) reflected a statement balance of {$1400.00} with a due date of XX/XX/year>. Prior to the due date, on XX/XX/year>, I made a payment of {$810.00} and contacted the issuer to dispute unauthorized charges on the account. I was advised that the unauthorized charges would be credited and that a {$29.00} late fee already reflected on the statement would be waived as a courtesy. 

After that call and payment, I stopped using the card entirely. However, the issuer failed to fully credit the unauthorized charges, failed to reverse the promised late fee, and continued to assess interest and fees derived solely from disputed transactions. As a result, small balances accrued that were not caused by my spending. 

A critical servicing failure in this matter is the unexplained and unauthorized alteration of my mailing address by the issuer. For years, my correct address was on file as XXXX XXXX XXXX XXXX XXXX, NY XXXX, and I consistently received billing statements at that address. At some point without my authorization or knowledge, the issuer altered my address to XXXX, NY XXXX, which is an invalid and non-existent address. Due to this internal error, I did not receive billing statements, delinquency notices, or other required communications during the period when disputed balances were accruing. 

I am requesting that the companies be required to produce records showing when the address change occurred, how it was initiated, and what verification exists authorizing that change. This address corruption directly caused the alleged delinquency and deprived me of the opportunity to timely address the account. 

In XX/XX/year>, the account was transferred to Barclays XXXX. Barclays continued assessing fees and interest, charged off the account, reported multiple late payments ( 30/60/90/120 days ) to credit bureaus, closed the account, and confiscated over {$900.00} in accumulated GM Rewards points. Barclays later partially reversed some late fees, acknowledging error, but failed to reverse all interest, fees, and residual balances tied to the unauthorized charges and servicing failures. 

The balance reported and charged off arose entirely from unauthorized transactions, improper fees and interest, and servicing errors. The resulting credit reporting and forfeiture of rewards are inaccurate and unfair.

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