Date Received: 2022-09-09
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I opened an account with Barclays in XXXX. I have ALWAYS paid my bill on time using autopay, never been late, and paid more than the minimum balance of $ XXXX & periodically paid down the balance significantly. In XXXX, I paid off my acct in full. Then they sucked me back in by offering 3.99 % on purchases until XX/XX/XXXX. I was a sucker and took advantage of it & started using it in XXXX. I then set my acct up for autopay again to pay the minimum due. However, in XXXX, Barclays took my full amount due. I contacted them & stated that was not what I selected & their system mistake. The rep said she couldn't do anything about it although they had not taken the payment from my bank acct yet & that it would take up to 3 months to resolve. I said the whole point of contacting them was bc I could not afford to pay off the full balance at that time & needed my money. The rep said I needed to go through my bank so I did. My bank refunded the money to me & then Barclays refunded the money stating that I did not agree. I contacted them & stated I was not trying not to pay & immediately returned the payment it credited to me. Next thing, I get a notice a few days ago that my acct is late. I contact them & stated I had autopay on my acct but apparently they removed autopay when there is an issue. I contacted them XXXX bc I don't pay my bills late EVER! So I paid them almost {$1000.00} so that I am at 60 % of my credit limit of {$3200.00}. They XXXX me & REDUCE my credit limit to {$2200.00} when all I had to pay them was below {$50.00} minimum payment. THIS IS WRONG AND UNETHICAL! They are trying to ruin my credit profile with the credit agencies and limit my credit! Why? They got their money! I have been a card holder for 9 YEARS. Credit card companies should not be able to do this. If I had only paid {$50.00}, I'd have {$3200.00} credit limit. I told them I was going to report them and they committed revenge on my credit! While writing this I received a message from Barclays after an earlier message to them calling them out, and they have now reduced my limit to {$1700.00}. so now I have an outstanding balance over the limit which I have never had. SO UNETHICAL!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I tried to close my account due to an upcoming annual fee, so I contacted the credit card issuer for this matter. They said they will close it and clear the balance, so I didnt need to do anything and worry about anything. This initial communication happened in XXXX, and I was just informed by the credit reporting bureau that my account is past due and my debt was sent to collection. Ive tried to contact the Barclays XXXX for the last 2 months, and each time they told me the same thing : dont worry about it. We will take it off in 1 billing cycle, but now they want me to pay in full + interest. Customers please be aware!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I went for a timeshare presentation with Wyndham. They told me they will be checking my credit, but instead they used the information to open not one but two credit card accounts with over XXXX in credit. One credit card with Barclays, and another one with XXXX XXXX. This is absurd!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Card is not mine, I never applied for it. Card belongs to spouse and are currently separated. I would like proof on where I applied and signed for that card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I was involved in a romance scam. As soon as I found out that I was being scammed, I went to my bank, closed my checking account, went to the police department, filed a report with them, came home and began calling credit bureaus to put a freeze, other accounts to close them down, etc. this all started the last week of XX/XX/2022. I ended up getting everything taken care of due to the fraud except for a Barclays Personal loan for {$15000.00}. It is now at {$15000.00}. I even had a barclays credit card that was written off as fraud. As of last week, I was told that I had to pay the personal loan because I had given this person my personal information. I DID NOT give this person permission to take out all of the money. Barclays told me that they couldnt do anything for me. That i was responsible. I contacted XXXX and spoke to a credit counselor. I was advised to contact you. Please help me. I feel that this is unfair! I was a victim of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for, and was approved for, the Barclays XXXX XXXX business card on XX/XX/22. The promotional offer for the card was advertised as : spend {$2000.00} in purchases in the first 90 days after approval, and then receive XXXX XXXX XXXX miles and a {$99.00} statement credit. The card has a {$99.00} annual fee, which is not waived, but it is effectively cancelled out by the statement credit ( assuming that it posts correctly ). I met the minimum spend requirement with a single transaction on XX/XX/22, and was given the XXXX XXXX XXXX miles, as shown on my XX/XX/22 statement from Barclays. That statement did not include the {$99.00} statement credit. On XX/XX/22, I initiated secure message correspondence to ask about when I would receive the promised {$99.00} statement credit. After some back-and-forth, I was told " [ o ] nce qualified, bonus offers will typically take 4-6 weeks for completion. '' On XX/XX/22, I decided to try my luck again and send another secure message asking about the {$99.00} statement credit. I was told " Upon reviewing your account the {$99.00} statement credit should be deposited into your account [ in ] 1-2 weeks. '' On XX/XX/22, with no statement credit in sight, I started another round of secure message correspondence. I was told " Upon review of your account, we show that you have met the requirements to earn the {$99.00} statement credit. Regrettably, we have identified an issue that prevented the statement credit from posting to your XXXX XXXX XXXX XXXX XXXX XXXX and are correct [ ing ] it as quickly as possible. We apologize for any convenience this may cause. '' I inquired about a specific timeline for resolution but was not given a clear answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91803
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a cash withdrawal with my AAdvantage Mastercard from Barclays and they charged me a {$25.00} fee for the withdrawal. This is on top of the fee by the ATM 's bank. I understand that they have to charge a fee but this is 5 times the maximum that other companies charge. I attempted to address with them directly and sent a chat and an email on XX/XX/22 and they never responded. I called on XX/XX/22 and they told me that this is due to the amount of the withdrawal and the location because it was an international withdrawal from XXXX XXXX, XXXX XXXX. But, I've withdrawn money from my XXXX XXXX and my XXXX cards before and they both charge around {$5.00} for the transaction, so there is no earthly explanation why their cost is 5x higher. This is high-way robbery in my opinion. I requested they reduce they fee and they said it can not be done. I suggested they offer me a partial credit for {$15.00} towards the next billing cycle and they said no and that they could NOT escalate to a supervisor or another department. This is NOT about the money, it is the principle that they are charging such a high fee for a simple transaction on top of the airlines ' constantly increasing costs, decreasing amenities, limited schedules and options and after a massive taxpayer bailout.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclay 's Bank took over my XXXX XXXX XXXX XXXX DURING THE TRANSITION i STOPPED USING MY XXXX XXXX SOMEBODY USED MY ACCOUNT NUMBER ON XX/XX/2022 at XXXX Stores in XXXX. there are charges on this card that are fraudulent, I want them removed and CANCEL THIS CARD. I CAN'T GET ANYONE ON THE PHONE WHO SPEAKS CLEAR ENGLISH I NEED HELP AND BARCLAY 'S BANK, XXXX WILL NOT HELP ME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Banana Republic issued new credit cards. When the new card arrived, I went online to activate the card. My online account was automatically updated with the new Card information. However, my automatic payment information was not transferred to the new Card. As a result, automatic payments were not made for two billing cycles. I was charged {$80.00} in late fees and interest for two months due to lack of payment. I called on XXXX/XXXX/22, they stated they would credit my account for the fees given their error in conversion. However, the credit would not appear until the next billing cycle. I would continue to accrue interest on the {$80.00} fees if I did not pay the fees. I should not be required to pay for invalid fees and then receive a credit a month later, the fees credit should be processed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A