Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid 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: GA

Complaint narrative:
I would like to file a formal complaint against Barclay US and their business practices. 
I had two credit cards with Barclay through XXXX XXXX. On XX/XX/XXXX, I called to pay off the balance on the credit cards with Barclay then subsequently close the accounts. The Barclay representative took my payment information, transacted the payment ( {$2400.00} and {$3200.00} ), and then told me that both accounts were closed. 
Evidently, one of the accounts was closed but the other was left open. In XX/XX/XXXX, a charge of {$49.00} ( credit card annual fee ) was placed on the open account. I had paperless billing so received an email that a statement was available but my online access had been terminated so there was no way to access the account to see the transaction or the balance. I did not pay much attention to it since I believed the accounts had closed. I had no way of knowing that a charge was on one of the accounts. 
In XX/XX/XXXX, I received an email indicating that my account was seriously delinquent. I called the number on the email and found out from the Barclay representative about the XX/XX/XXXX charge AND that I had been subsequently charged {$30.00} late fees for the past six months. I explained that I did not know about the charge nor the late fees and that I did not have online access to even review the transactions. I was assured by the Barclay representative that the late fees would be adjusted. 
In XX/XX/XXXX, I found on my credit report that a balance ( {$310.00} ) was still outstanding and that I had delinquent notations with the Credit Bureaus for the past 8 months. I called Barclay and was told by the representative the fees that I had been told were adjusted in XX/XX/XXXX were replaced by a debit for the same amount. The Barclay representative could not explain the debit and said they could not help me any further. I requested to speak to the manager ( XXXXXXXX ) who told me that not only could he not explain the account but that the account has been referred to a collection agency and that I would have to wait a week before I could call back and pay the balance. 
I am furious. As a consumer, I feel that I have no power except to simply pay their ridiculous fees. Barclay failed to close the account. Barclay failed to provide adequate means of notice. Barclay told me they adjusted the fees but then subsequently put them right back on without notice or explanation. Barclay is now unable or unwilling to resolve the account. Barclay holds the health of my credit hostage and we, as consumers, have no power to affect the outcome except to simply comply with their business practices. I could hire an attorney and try to affect some change but have little confidence that it would have any affect with this giant, XXXX dollar corporation. 
I appeal to your agency to hold large organizations like Barclay accountable or at least keep consumers informed of others experience.

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