Date Received: 2023-05-14
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I attended Timeshare presentation in XXXX XXXX New york on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New york XXXX Phone : XXXX They requested ssn details to check my credit score to make sure if I am eligible for financing. Later I got email from Barclays Bank Delware that my credit card is approved. I called them to cancel and it is not yet done, I still see that account in my credit report. Now there is one more credit card is open from XXXX XXXX I see they misused my ssn details to open multiple credit cards which is directly impacting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2023, I tried to close my account with Barclays. I have asked multiple times to get a confirmation email from them but just as before in my previous complaints, they will not send me a confirmation email for proof of termination or any other request I have made. I made a final payment of {$3200.00} that cleared my bank on XX/XX/2023. I called them on XX/XX/2023 to check on any other interest charges and make a final payment. They claimed I now owed them {$49.00} and some change. I made the payment on the same day on the phone with their operator. Then I requested to speak with management and have this account closed once and for all. The operator out of XXXX XXXX, Nevada # XXXX who's name is XXXX gave me a confirmation # XXXX verifying the last payment, but did not send me a confirmation email of proof of termination of this card and account as I requested. Due to my suspicion of fraudulent activity with this company, I do not trust their hear say at this point and would like them to send me a confirmation of termination without any credit penalties as per my request. They agreed to do so on the phone but nothing has been sent. At this point all I have is proof of the transaction through my bank. Please help me resolve any further issues with Barclays once and for all. I have been through enough aggravation and poor customer service for one lifetime. Thank you for your help! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76401
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: During the Pandemic my wife received a letter stating that she would be let go from her job because of the pandemic, In turn I could not pay on time 4 of my accounts, from credit cards to installment accounts. I submitted prove of documentation that they can see that not only did I missed past 30 days but there after I paid them i=on time and eventually I paid them in full. I explained that this dropped my score significantly and because of it I could not afford to purchase a home for me and my family. The reason I submitted to have to negative reporting removed from my reports was because I read online that if you had difficult paying on time because of the pandemic that they would work work with you if you can provide proof of what had taken place in your life like loss of employment. I want to also let you know that they took about 6 month to respond with letters sayin that they could not help me. The Dates that I missed payments past 30 days were after the lay off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: . Have a balance transfer option to pay an outside loan or credit card for a promo rate. You go to use that offer instead of transfer out to pay a bill. They want to take funds from from the credit cards and loans vs transferring funds to to take advantage of offer. They trying to steal have a screen shot of that scenerio Second thing i used a check that barclay bank sent me to use as needed XX/XX/XXXXXXXX XXXX XXXX I had confirmed with credit card company i could write in the amount of XXXX they they said yes i could write for that amount on XX/XX/XXXX ( screen shot from bank shows barclay declined and blocked account for no reason ) t When the bank was cashing they put a stop payment on check and caused my other accounts to freeze up i. I called barclay bank and explained there was an error they said there should not be and was instructed to rewrite a new check for XXXX and submit again to XXXX this time i put in a different account at XXXX barclay denied for a second time they said that one was no good to write a new check and submit to outside bank that was XXXX XXXX XXXX They rejected again XXXXXXXX XXXX spoke directly to XXXX at barclay bank and she told XXXX and myself 3 way call for bank to resubmit check that it is all fine they still will not honor without answers seems like customer service does not know. Several phone calls to fix they say its fixed but will not pay out check submitted and no answer as to why im told its fixed but it is not. Meanwhile they have lowered my cash advanced limit after their bait and switch verbally on the XXXXXXXX XXXX and verbally on the XXXX XXXX from customer service at barclay crediit card. This company is doing a bait and switch and mis representing causing their customers huge problems. I am singled out for no good reason. They offer it but do not honor i understand all terms and credit card terms this is not good practice have an XXXX Credit score a XXXX XXXX cred lmt. And a XXXX balance due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On XX/XX/XXXX, I received a statement for my Banana Republic Card from Barclay Bank. I went online on XX/XX/XXXX to make a payment ; however I noticed that both a late fee and interest were charged on the purchase. The statement I received on XX/XX/XXXX was the ONLY statement that I received from them. I always pay my cards in full and on-time, but as this is a card I rarely ( if ever ) use this is not on autopay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX {$90.00} & {$750.00} I purchased passes for a convention that was in XX/XX/XXXX & it was cancelled and the company did not give any refunds so I disputed this. Barclays said that the merchant responded saying they did not break terms and conditions - at the time I also disputed three other charges for the same event but used 3rd party payments so I learned I have to dispute through them & I believe they were the merchant that responded stating this. XXXXXXXX XXXX does not have any active emails or phone numbers so there is no way Barclays could have contacted the company- so that the merchant responding does not make any since. I have been trying to receive my money back since XXXX and now they say its out of the period when I just found out in XXXX about the 3 that I have to go through the third party. The other 2 were not through a third party and Barclays directing paid XXXX XXXX on my behalf. Again since the convention did not happen I did not receive anything for my payments & I do not believe these two charges of {$90.00} & {$750.00} are being looked into enough to deny me my money back. I have attached my letter from Barclays shouting the difference in names of charges & the email about the event being cancelled ( although it does say refunds would be happening they have not and its been Six months )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, XXXXXXXX XXXX Loans sent an {$8000.00} payment to Barclays for my " Old XXXX XXXX XXXX Card ''. According to XXXX, this payment came through " XXXX XXXX '' as a paper check and was cashed by Barclays on XX/XX/2023. After this payment had already posted and been taken out of the personal loan, Barclays recanted the " paid '' status on the payment and revised it to a " provisional credit ''. On XX/XX/2023, I reached out to Barclays for more information on this change. Upon that conversation, they opened an " investigation case '' and told me that it could take up to two billing cycles for the investigation to be completed and I would not be responsible for interest or other fees during the investigation process. On XX/XX/2023, I reached back out to Barclays with more information, providing them with the account and routing number of the check. Barclays gave me a case number for the investigation at this time. On XX/XX/XXXX, I reached back out to Barclays ( after receiving a threatening letter in the mail that my account was not in good standing and I needed to contact them immediately ). I reached out to XXXX XXXX Loans at this time and had them fax an official declaration of payment, showing that Barclays had cashed the check and applied it to an account. It had not been returned to XXXX XXXX Loans. On XX/XX/XXXX, I got a call from a collections bureau, once again telling me that my account is not in good standing and I need to make a payment immediately. I have asked where the payment is at this time and they have no answer. You can not speak directly to the investigations team. There is no avenue for that. I once again started chatting with the online chat help and they stated that they could not really do anything without me calling into the customer service department. Barclays has only reached out to me twice, once through a written and mailed letter and now once through a debt collections bureau. I still don't have an answer to where this money is now or when it will be located.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I received a promotion offer of convenience checks from Barclays Bank in XX/XX/2021. At that time, I decided to use XXXX of the convenience checks to pay off my XXXX account. On XX/XX/2021. I used check # XXXX XXXX department store for {$750.00}. XX/XX/2021. I received an alert on my phone stating a {$750.00}. transaction was posted to my Barclays Bank, not realizing I had written the check in XXXX. I panicked and called the fraud department to dispute the transaction. The transaction was reversed on my XXXX account XX/XX/2021 for {$750.00}. According to my Barclays account statement, the transaction was credited back to my Barclays account on XX/XX/2021. But unfortunately, the transaction was never credited back to the XXXX account. Ive made several attempts in the last last 19 months to correct the error on my account. Ive sent registered letters copies of check, statement showing where the error was made with no resolution. Attached, you will find the statements indicating when to error took place. Please review throughly. My last complaint was not resolved due to investigation of information. I know the check cleared. The problem is, it was never credited back to the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX I received my billing statement from XX/XX/XXXX ( Jet Blue Credit card ) Barclays ; with charges up to {$5000.00} from XX/XX/XXXX thru XXXX, XXXX, not authorize by me or anyone I now. This were made at various XXXX XXXX in XXXX NY, XXXX XXXX, XXXX NJ, in the amount of {$2000.00} XXXX NY, {$450.00} XXXX XXXX in XXXX NY, {$38.00} XXXXXXXX XXXX XXXX NJ, {$210.00}, XXXX NY, {$120.00}, XXXX XXXX XXXX XXXX {$75.00}. I reported this charges to the credit card and they claim that they did an investigation and made me responsible for the charges because the card was in my possession. I did not made this charge. I gather evidence of my whereabout on the days os the charges. I went to the police and made a report, went to court for advice and they were not able to help me also went to the DA 's office, consulted a lawyer and no one was able to help. I had tried for month to clear this and it's had been impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2023 I opened a Credit card with Jet Blue Plus and indicated that I wanted a balance transfer to my XXXX account. The balance on the XXXX account at the time was {$1300.00}. I paid the balance on the XXXX card on XX/XX/XXXX, as Jet Blue was taking a while. Jet Blue transferred {$20000.00} to XXXX on XX/XX/XXXX. After many phone calls the {$20000.00} was credited back to my Jet Blue account on XXXX but they charged me a {$1000.00} transfer fee. They also reversed the fee. The fee then reappeared on my XX/XX/XXXX Jet Blue statement. I have spoken to customer service many times and have gotten agents that completely under and see the problem. On XX/XX/XXXX I spoke with a supervisor ( XXXX ) who agreed that I was a mistake. I had said that I would pay the 5 % balance fee on the {$1300.00}, which I believe is {$69.00}. She felt that this made sense, I am still waiting to hear from Jet Blue Master Card and to add injury they are charging me interest on the {$1000.00} balance. Otherwise I pay my account in full every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01701
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A