Consumer complaint received 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I initiated a Barclays ' credit card originally for the purpose of moving debt from a credit card onto an account that offers 0 %. On XX/XX/year>, I submitted a single balance transfer request for {$2500.00} through Barclays ' online banking system. I received no confirmation email or on-screen confirmation that the request had been received. Believing the request had failed due to a system error, I submitted the request a second time. My account statement confirms that both requests posted as separate transactions on XX/XX/year> : one balance transfer of {$2500.00} with a {$130.00} fee, and a duplicate balance transfer of {$2700.00} with a {$120.00} fee. Barclays later reversed the {$130.00} fee on the same date, which I believe shows their own system identified the duplicate, but the duplicate principal balance itself was never reversed, and the second {$120.00} fee was never corrected. On XX/XX/year>, I sent a detailed written message through Barclays ' secure online message center explaining the duplicate transfer and requesting a refund of {$2700.00}. I received no written reply. I called Barclays by phone within the following week, and a representative told me the issue would be resolved within two weeks. It was not, and I received no written confirmation of that phone conversation or any resolution. On XX/XX/year>, I sent a second written message through the same secure message center, again explaining the duplicate transfer and stating that I would not pay for a transfer I did not request. I have received no reply to this message either. As a result of this unresolved error, interest has continued to accrue on the disputed balance for over four months, and I was also assessed a {$29.00} late payment fee on XX/XX/year>. My balance, which should reflect a single {$2500.00} balance transfer plus one transfer fee, has instead grown to {$5300.00} as of XX/XX/year>, almost entirely due to the uncorrected duplicate transfer and the interest/fees that have accrued on it since. I am asking that Barclays : 1. Reverse the duplicate balance transfer of {$2700.00} 2. Reverse the associated {$120.00} fee on the duplicate transfer 3. Reverse all interest charges and the late fee that resulted from the duplicate balance 4. Confirm that no negative information related to this dispute has been reported to the credit bureaus and will not negatively affect my credit score. 5. Respond to my dispute in writing, which they have failed to do twice already since XX/XX/year> I have sent a formal written billing dispute letter to Barclays by certified mail in addition to this complaint, but given that two prior written disputes ( XX/XX/year> and XX/XX/year> ) went completely unanswered for over four months, I am filing this complaint to ensure the matter receives a timely response.

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