Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I paid off my XXXX XXXX credit card and the auto pays were not stopped. So XXXX XXXX keeps processing payments and charging me return fees. When an account is closed, all activity should cease when no balance is due. I just received a new email today, XX/XX/XXXX, with additional fees added. 
-- -- Your statement is available Hi XXXX, Your statement for the XXXX XXXX Credit Card is now available online. 
Your Statement Summary Statement Balance : {$64.00} Minimum Payment Amount : {$64.00} Payment Due Date : XX/XX/XXXX by XXXXXXXX XXXX XXXX -- -- Hi XXXX, Were confirming your recent payment of {$86.00} was posted to your Navyist Rewards Credit Card account on XX/XX/XXXX. 
To review all your payment activity, please log in to your account online and select Payments. 
-- -- Credit Balance Refund Message to Old XXXX XX/XX/XXXX, XXXX XXXX Hello, Why am I being charged on Mon XX/XX/XXXX, RETURNED PAYMENT FEE {$30.00}, and a Mon XX/XX/XXXX MINIMUM CHARGE {$2.00}??? 
I sent a payment via bill pay on XX/XX/XXXX for the balance due of {$86.00}. I want this cleared up from my account. I do not have a balance with this account. 
Please clear this up with immediate effect. 
Thank you. 

Barclays customer service XX/XX/XXXX, XXXXXXXX XXXX  Hi XXXX XXXX : Please be aware that anytime a payment is returned for account closed, a service fee will be charged. If the check is returned a second time, you will not receive a second returned payment fee. 

We are charging you with a returned payment fee as described in your " Cardmember Agreement ''. The returned payment and any fees that may be assessed to your account will show on your next billing statement. If any fees post to your account, they can be viewed online by selecting the " Transactions '' link located under the " Activity & Statements '' heading. In the drop-down menu, filter the time frame and select to view either " Since XXXX XXXX '' or a previous statement date. 

For your future reference, please verify the banking information we have on file. We also suggest you verify with your bank the correct account information to use and that they will accept XXXX XXXX XXXX  ( XXXX ) withdrawals. 

We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  Why would you charge me when a payment has been made? Why would you put thru a payment that is Not due? I want this account Cleared and zeroed out. I do not want any further business with XXXX XXXX. XXXX out the account accordingly. ASAP. Thank you Barclays customer service XX/XX/XXXX, XXXX XXXX  Hi XXXX XXXX : Thank you for contacting us about your XXXX XXXX Credit Card. 

We are sorry to know about the inconvenience you have experienced due to the returned payment fee assessed on the account. Upon review, we have verified that the current balance on the account is amounting to {$32.00} is the result of having minimum charge of {$2.00} and returned payment fee on the account for {$30.00}. 

We appreciate you making payment amounting to {$110.00} on XX/XX/XXXX. However, the said payment has been returned on XX/XX/XXXX because the account has been closed, and a returned payment fee of {$30.00} has been assessed associated with it. 

In relation to this, please be informed that we have sent you communication on XX/XX/XXXX that the payment has been returned by your bank for Account Closed. As a result, we have removed this external bank account information from our system and the payment has been reversed. Please be aware that you may be charged a fee as described in your Cardmember Agreement. The returned payment fee has been charged to your account. 

Please be advised that we have waived the minimum charge assessed in the amount of {$2.00} posted on XX/XX/XXXX. This credit will be reflected on your next statement and can also be viewed online once it posts to your account. To view this credit online, select the Activity & Statements tab displayed on the account homepage and from there, select the Transactions link. We highly recommend that you call the bank you will use to make the payment to ensure funds are available on their end, and to check possible option on removing the returned payment fee. 

If you have any other questions or concerns, please reply to this message. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  NO YOU HAVE NOT BEEN HELPFUL. PLEASE ZEO OUT ACCOUNT AS A COURTESY. MY ACCOUNT IS ALREADY CLOSED. CHARGING ADDITIONAL agreement fees IS OVERKILL. AND XXXX! 
XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX : I will be filing a complaint with Consumer Affairs. 

Barclays customer service XX/XX/XXXX, XXXX XXXX  Hi XXXX XXXX : Thank you for contacting us about your XXXX XXXX Credit Card. We understand your concern and apologize if we fell short of providing you with outstanding service. We strive for excellence and appreciate your time in bringing this matter to our attention. 

We are unable to waived the returned fee as described in your Cardmember Agreement. Rm set a manager callback for more assistance that it will be XXXX to XXXX hours to be called at the number we had on the file. Filed complaint in behalf of the Cm. 

To help you manage your account, we offer several email and text alerts that can remind you of upcoming payments due and more. To set up or change your account alert settings, select the Services tab and click on the Alerts option and then next to the section entitled Alerts click on the Edit link. Once you select the alerts you would like to have active on your account, please click the Save button on the bottom to save your changes. We hope you find this information helpful. 

It's a privilege to be your credit card provider. We look forward to doing more business with you. 

If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care

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