Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was erroneous charged for purchase I did not make. The company originally corrected the charge, erased it, canceled the card, sent me a new card, reversed the charges, and started a fraud claim in XXXX of XXXX. Then the company put the charge back without my knowledge on my new credit card acct which had a XXXX balance. Then they charged me late fees along with interest fees for XXXX, XXXX and XXXX. Then reported the fees to my credit bureaus. My credit dropped as a result and I was informed by my mortgage lender, while I was under processing for a home loan that I no longer qualified for lending because my credit score dropped due to late fees from Barclays. I called Barclays reported the error and horror and horrendous actions they committed. Barclays then lied stating I never had a fraud claim in XXXX filed with them ; which they definitely have record of, including the time it was made. Barclays reversed the fees and interest charged to me in XX/XX/XXXX, but refused to give me their names and representative ID numbers, refused to give me my statement from XX/XX/XXXX to XX/XX/XXXX. Denied having an email that I could use to initiate a complaint, despite them stating if I had questions I could contact them through a " secured email by going to the website '' in a letter they sent to me. By phone they later denied having an email. They refused to give me my requested statements saying due to no activity, no statement is available to me. They denied receiving and processing my complaints, they refused to have the fraud department call me back and they refused to issue letters outlining this activity. They continued to claim falsely that they emailed me when they never did. I requested formal letters in the mail, which they denied, then sent letters detailing actions that I never sought out. They changed my acct number 3 times then charged me the fraud charges on my new acct number. They misrepresented themselves stating to have a " real '' name and a " company '' name for the same person. They refused to issue any correspondence to me through my online account dispute page despite my repeated pleas. They gave me a run around. I had to pay an erroneous debt just to take my acct to a XXXX balance to satisfy my lender, then they refused to send me a current statement balance letter. They stated it would take them up to 3 billing cycles to investigate my claim and confirm the fraud, despite the fact they already initiated and settled the fraud last year in XXXX. After the incorrect charges were paid ahead of time, they committed further injury by charging a interest fee on my acct and stating it was due by XX/XX/XXXX, XXXX despite the fee being made in error and with a XXXX balance and XXXX  charges made on the account. They confessed to the haphazard and damaging error, removed it on their end and assured me over the phone that it would be corrected- but kept reflecting the incorrect information and charge on all paperwork that both the lenders and credit bureaus can view. They listed on my statement letters " balance subject to interest rates despite me paying my balances off in full each month and they refused to correct the false incorrect late payments that they reported to my credit bureaus, despite the error being caused by them. The also sent me the same card twice, despite holding 2 accounts under my name with false charges attached. They refuse to give me my requested information regarding my account and the record of my purchases. then they lowered my credit limit available on my card after they put fraudulent charges on my credit card account. They stated they lowered my credit line due to delinquencies on my credit bureaus- but they participated in the delinquencies and the erroneous, false reporting. They reduced my credit limit from {$750.00} to {$500.00} XX/XX/XXXX for errors they did, even though my limit was still at {$750.00} after the originally completed the first fraud reporting

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