Consumer complaint received 2026-05-14 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: CA

Complaint narrative:
Barclays XX/XX/XXXX response raises new billing-error and proof issues that were not resolved in its prior CFPB responses. This complaint is limited to the XXXX XXXX account Barclays identifies as ending in XXXX and the balance Barclays continues to claim on that account. Barclays XX/XX/XXXX response is internally inconsistent and does not provide the documentary basis required to support the balance it says is valid. First, Barclays states that my XX/XX/XXXX billing statement reflected two XXXX XXXX XXXX XXXX transactions on account ending in XXXX. However, the XX/XX/XXXX statement Barclays provided shows those transactions on card ending XXXX, not XXXX. The later XX/XX/XXXX statement on account ending XXXX still shows the disputed foreign purchase activity under card ending XXXX. Barclays has never provided the replacement-card or reissue history necessary to connect those card endings and prove the balance chain. Second, Barclays XX/XX/XXXX response states that the XXXX XXXX foreign transactions were credited back on XX/XX/XXXX, while also stating that those same transactions were posted and credited back in the same billing cycle from XX/XX/XXXX through XX/XX/XXXX. Those two statements can not both be correct. This internal contradiction alone shows that Barclays has not provided a reliable account-level reconstruction. Third, Barclays now says that no payments posted during the XX/XX/XXXX through XX/XX/XXXX billing cycle because three payments were returned : one for CUSTOMER ADVISES NOT AUTHORIZED and two for INSUFFICIENT FUNDS. Barclays also imposed a returned payment fee and later continued adding late fees and interest. I specifically dispute Barclays treatment of those reversals and all fees and interest that flowed from them unless Barclays can produce the documentary basis for each reversal. The disputed items include : The XX/XX/XXXX payment reversal of {$6900.00} labeled CUSTOMER ADVISES NOT AUTHORIZED. The XX/XX/XXXX payment reversal of {$7400.00} labeled INSUFFICIENT FUNDS. The XX/XX/XXXX payment reversal of {$6600.00} labeled INSUFFICIENT FUNDS. The XX/XX/XXXX returned payment fee. All later late fees and interest that Barclays assessed on the balance after those reversals. Barclays conclusion that the XX/XX/XXXX XXXX XXXX transactions are established as valid, despite Barclays refusing to provide the alleged call recordings, transcripts, agent notes, or documentary evidence of authorization. This is a billing-error dispute under 15 U.S.C. 1666 and 12 C.F.R. 1026.13. Under those provisions, a billing error includes a failure to properly credit a payment, an accounting error, and a request for additional clarification including documentary evidence. If a creditor concludes that no billing error occurred, it must provide a written explanation after a reasonable investigation and, upon request, furnish documentary evidence of the consumers indebtedness. Barclays has not done that here. This also implicates 15 U.S.C. 1643 ( b ), because Barclays and its law firm are attempting to enforce liability while Barclays still has not produced competent evidence showing that the disputed use was authorized or that the remaining balance was calculated correctly. Barclays refusal to provide call recordings, transcripts, internal notes, payment trace information, bank return codes, and a line-by-line balance reconstruction is not a meaningful investigation. Instead, Barclays is asking me to accept conclusory statements such as the transactions remained valid and the balance remains valid, while at the same time refusing the very records needed to test those conclusions.

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