Date Received: 2021-02-05
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: Barclay card In the United States will not resolve a dispute I filed. I am entitled to dispute my credit card statement under regulation E in the Graham-leahy act. The credit card company has no way to pragmatically file a dispute. The company is dismissive when you call in for a simple charge dispute. I have called on numerous occasions to dispute a charge and no one has been able to accommodate this request nor directed me how they comply with regulation E.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sent a letter to Barclays Bank Delaware to close account XX/XX/2020, they sent bill for the next 4 Months starting in XX/XX/2020 I kept getting billed. tried to call and never could get anyone on Phone, wrote another letter. Finally I gave up, I am asking that this gets taken off my credit report because this is a blemish I should not be responsible for. Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Credit Card ( Barclays ) informed us of suspicious fraudulent activity on the card via phone call in XX/XX/2020. We reviewed the statement and outlined the fraudulent charges and sent back to the Credit Card company as requested. A few months went and nothing happened, we contacted them again in XXXX we contacted them and they told us that the case was closed. We received no written notification of this or the investigation into the fraud. I have been a customer of Barclays for 17+ years. No incidents They also informed us that they had no record of the statement we provided with fraudulent charges identified. We saved a copy and resent it to them. Since then we have called the company several times and can not speak to them after waiting on the phone for 2+ hours. The company keeps informing us that it's our fault, their fraud department is too busy to speak with us and nothing happens. During this time they have charged me interest and penalties for not paying the fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27518
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
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 or about XX/XX/2020 we made a reservation for a XXXX in XXXX, XXXX and paid a deposit of XXXX to reserve the place which was going to be used to celebrate my XXXX birthday on XXXX XXXX. Then XXXX happened and we could not travel. We disputed the charge with my credit card company ( Barclays Credit Card Account # XXXX ) and the bank said that they could not dispute this amount because the merchant had no refund or cancellation policy that dealt with XXXX. While I understand that the merchant had a no refund cancellation policy that dealt with XXXX, I would like to appeal the rejection of this dispute on the grounds of extreme unforeseen circumstances, since no one really could predict this pandemic and no company was having a clause for this item back in XXXX when I booked the place. Given the current pandemic, there is no way we will be able to travel to XXXX for the foreseeable future. We have contacted the merchant on several occasions and were informed we would have a year to claim our credit. This seems extremely unfair and a breach of the original contract, considering that there is no telling when we will be able to travel in the near future, let alone to an international destination, that is currently devastated by an ongoing and uncontrolled pandemic. As you may know, Mexico has seen an increasing rise of COVID cases totaling around 408,499 confirmed, with some experts estimating the real figures closer to 7 million, given testing limitations. It is unreasonable to expect anyone to travel to this destination safely within a years time and therefore we will not be able to claim our credit and forfeit the full amount of our deposit. We sent a letter appealing the credit card company decision on XX/XX/2020 and Barclays Bank has not responded or resolved this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I complained about this credit card Company back in XXXX about proving that I made payments on this account and on time. I thought it was all settled when I informed you before. I now discover that Barclay charged me another late fee of XXXX and added XXXX to my account when it states payment and they charge the payment instead of crediting it. On my Current statement and last Months statement it states I owe XXXX for a pmt As you can see, I made XXXX pmts. Now they tell me that I own over XXXX in pmts. I have never been late on this account yet they have my account stating it is late again. This has been going on since XXXX 2020. I have sent them notices about this and they state someone will call me. NO ONE has ever called and my phone # has been the same over the last 5 years. I have tried to call them several times and they place me on hold and never return. Please see attached proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32967
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2018 a settlement agreement for my Barclays account was made. The agreed settlement amount was {$910.00} and the payment needed to be made by XX/XX/2018. Payment was mailed ( by my sister ) check # XXXX, on XX/XX/2018 and check was cashed by Barclays. Account number was posted in the Memo as they had requested to ensure it was applied to the correct account. I disputed the charges and XXXX XXXX XXXX connected with Barclay 's and they refuse to acknowledge payment and this is still showing on my credit report as in collections owing the full amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58554
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My wife 's credit card with Barclays, for which I am an authorized user, was closed on XX/XX/2020 with no prior notice. She did not have a balance on the card and it was closed for non-usage. Once she became aware of the closure, less than a week later, my wife and I immediately contacted Barclays where they informed us that it could not be reopened and suggested that she reapply. Barclays stated that one notice was sent informing us of the upcoming card closure, a notice we did not receive. The unreceived notice should not come as a surprise because of the current pandemic, it was at the height of the holiday season coupled with known issues with USPS. Simply reapplying would not be sufficient because my wife loses all the positive history she has built on her credit reports when they hastily closed the card and that can not be regained on a new card. I attempted to contact upper management with limited success via email. I sent emails to XXXX XXXX and XXXX XXXX with Barclays. I received a response from the Office of the President at Barclays who was overseen by XXXX XXXX. The response indicated that further correspondence would continue through XXXX, which provides mediation software. The email that I used was not compatible for XXXX so I reached out to Ms. XXXX to see if the resolution could simply be sent to another email address of mine. Ms. XXXX and no one else at their XXXX, Delaware location never replied to my emails after that moment. My wife and I still simply wish to have the card reopened with her continued history. If she had not been a minority and other protected classes I severely doubt her card would have been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern : This letter is after exhausting all avenues on a current/past situation with Barclay card Frontier credit card. XXXX of XXXX I traveled to Florida for vacation. In order check in my return flight I had to pay with a credit card. I used my XXXX card and paid {$120.00} dollars. When I received my Frontier Barclay Card statement in XX/XX/XXXX, that is when I saw that they auto charged my account for the same amount of {$120.00}. I called Barclay to dispute the charges, sent the statement for my credit card that I used to pay for check in. Called to follow up with Barclay and they said they never received the fax. So I sent it again, this continued for months- with sending the fax statements and being told that they never received the proof. Barclay also advised me to go dispute charges with the other credit card company and I refused that, because I personally paid with that card ( I was not going to dispute something that I paid for ). This continued, within that time I also paid off the balance with Barclay of over {$2000.00} minus the {$120.00} just to close the account and continue to dispute the charges. In XX/XX/XXXX, while this was still going on, I faxed again the statements and Barclay sent a letter to tell me that they received the statements but unfortunately it was past the dispute range and expired. As you can see that I was beyond frustrated- why would I pay a huge lump sum and leave {$120.00} on the account if I owed that. I still call about every 6 months, because now, they put me in collections for {$400.00} and yet I can't even settle that because it has been charged off and they have no way to apply a payment. This has gone way too far on the credit cards part and I feel that proof and faxes were intentionally disappearing or they were giving me the wrong fax number- to where the statements and proof just got dismissed, until they saw that the faxes and the dates of my dispute went out of the range. I would like for this case to be settled and off of my credit report, as it has not only been an emotional mess - when you would be able to see that I have an excellent history of paying bills and not debt with credit cards whatsoever. This whole situation has sabotaged me with lenders and prevented me being able to buy a house with the best credit score I can have if this was not on the report. Please consider reviewing and settling this account in any way to release what is not even my liability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX, 2020 my bill did not go through BARCLAYS BANK DELAWARE - account with 1 missed payment. I am kindly requesting BARCLAYS BANK DELAWARE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/20 : Barclays Bank Delaware XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( Factual Data I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A