Date Received: 2021-09-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This summer my card number was stolen. XXXX fraudulent charges were made before it was detected. I told the card company that I had not made any of those charges and they closed the card. Only XXXX of the charges were reversed. XXXX has remained on there despite me calling to file complaints at least XXXX times and also submitting online fraud form XXXX other times. Finally it was dropped off after all of that activity. Today I received a letter that they had completed their investigation and found that the activity is valid. Now they are rebilling the charge THAT I DID NOT MAKE again. The card was not physically present since I had it in my possession. And it was consistent with the other charges made that were reversed.
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: 2021-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Honestly, I don't even care if Barclay 's responds back this time. After the whole XXXX before where they lowered my credit limit for some garbage reasons, they did it ago and in the 7 years I've been a faithful customer, I have gone from a {$2500.00} credit limit, down to {$500.00} when I just logged into their portal. Have nothing positive to say about Barclay 's. Honestly, CFPB, I wish the Fed Govt would just pull their operating license in the US. They don't deserve to have US consumers as customers. I could care less if they responded to this or not because their answer, or excuse, would be meaningless. They can claim validity all they want in what they are doing, but I have credit cards with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX, and not one of those other companies has done this XXXX. They are complete garbage! And I hope JetBlue pulls their branded credit card from them and gives it to a XXXX. Honestly, JetBlue customers would be much better off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone used my information for fraud and obtained different things in my name. Including credit cards that I did not use from Barclays Bank. I shoes as 2 different Credir cards opened same day from the same company. I have no knowledge and it is effect my credit and my life and stopping me from buying things are obtaining credit. One card in amount of XXXX One card in amount of XXXX Every month this debt collector reports a balance increase on this debt which is effecting me. It has caused a lot of problems in my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am trying to apply my {$17.00} rewards to the Barclays Mastercard as cash back. I tried doing it online but it does not give me that option. I opted out of the terms and conditions which should have also prevented my balance from being transferred to Barclays. Opting out resulted in both the new Barclays Mastercard account and my XXXX VISA card being closed on XX/XX/XXXX which is 3 days before the date I was told my XXXX VISA account would be closed. I opened a new account with XXXX and would have transferred the balance to my new account. I am sure hundreds of other people are being cheated out of their rewards dollars. I was on hold waiting for customer service from XXXX XXXX today to XXXXXXXX XXXX today before I was disconnected. I called back and have been on hold since XXXX XXXX I hung up at XXXX and gave up. It is a well known fact that Barclays customer service is horrible. The manner in which this business decision was implemented has been an absolute disaster on both the part of XXXX and Barclays. Only XXXX XXXX and XXXX XXXX could have XXXX it up more. Perhaps a class action suit is in order against both Barclays and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Barclay Bank lowered my credit limit and drop my score down XXXX points because I opened an new credit card to consolidate my other cards. It went down from XXXX to XXXX cause I had another credit card. I have never been late, was over my credit limit and it took me 8 years to get that credit limit. It discrimination that they looked at my XXXX and said I wasnt eligible to have their card due to what, my financial situation, i have no negative marks, i am not maxed out on any of my cards, and make more than enough to pay my bills. When talking to a representative, they have nothing to say but it is what the company wants and there isnt an option for a review or reverse of the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
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 I bought what I thought was a real XXXX XXXX phone case. Its fake I found out and its never been delivered so I want a credit but Barclays cs wont when I dont have the item and the item to be delivered is fraudulent and fake anyway
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a MasterCard with Barclays Bank they have blocked my access to my account the reason they give me that in XX/XX/2021 the word lawyer somehow got out of my account I never hired a lawyer I never talk to a lawyer I never talk to them about a lawyer this is XXXX they have no letters from a lawyer no contact from a lawyer I explain to them thats crazy if I had hired a lawyer for something they certainly wouldve contacted them at some time from XXXX until XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. I've had this card since XXXX. I received my statement by mail in XXXX and when I attempted to log in and make a payment ( like the prior 12 years ) I was unable. I called XXXX ( Barclays ) and asked to make a payment over the phone, also said NO. Something about their system being down and the business cards are being transitioned to a different system. So, as of today ..... I've bee unable to log into my account online so see transactions or be notified if there is a fraudulent sale. I'm unable to make a payment over the phone. The customer service people say they can't see my account????? The card seems to be working but I'm very concerned Barclays will charge me late fees or interest. I never carry a balance on my cards. Please help me push Barclays to get my online access and online payment option available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received offers by email for " 0 % APR for 7 months ; 0 % promotional APR on all your new purchases including online purchases, made between XX/XX/2021 and XX/XX/2021 with your Wyndham Rewards Visa Card. Use your card and save on everythingfrom everyday purchases to big ticket items. '' However, after making purchases during this time period the company is saying it wasn't 0 % by transaction and that even if I bought something on XX/XX/XXXX to avoid interest I would have to pay the purchase in full by XX/XX/XXXX to avoid interest. I asked how does this correlate with 7 months of no interest as the promotion stated. I made the purchases during the promotion period with the understanding that I would have 7 months of no interest on the purchases and on all purchases not just the ones made in XXXX. This is extremely misleading since the offer, as they have now explained, really just meant only purchases made in XXXX would get the 7 months of the 0 % promotional APR. I had even called on 2 occasions before expecting this offer before the deadline to accept it in XX/XX/2021 and the offer was not explained in the manner they are now saying it was to work. This offer was very poorly written based on the way they are now enforcing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2021 I requested a credit line increase for my XXXX XXXX XXXX card. The system did a hard inquiry on my credit without my consent. If I knew that XXXX XXXX would do a hard inquiry, I would not have requested a credit line increase. I have worked with XXXX and XXXX XXXX for credit line increase. They clearly communicated to me regarding what type of inquiries they will do before they approved my credit line increase request. In case of XXXX XXXX XXXX card, the website asked me to enter an amount for my credit line increase request and when I pressed next button, it automatically did a hard inquiry without my consent. It was a surprise to me and my wife. I tried to work with their customer service several times but they were not helpful and said they can not do anything to help me. I am a first time homebuyer and I can not afford to have this hard inquiry on my credit report. I did not consent to this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A