Date Received: 2021-02-01
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 purchased a laptop from XXXX on XXXX XX/XX/2020. The laptop arrived on XXXX XX/XX/2020. After trying the product, I initiated a return within the 30 days as stated on their return policy. The return was initiated on XXXX XX/XX/2020. The laptop was sent back and they received it on XXXX XX/XX/2020. They sent an email saying that the money would be sent back to my credit card, and would show after 5 days. I'm still waiting for the money. I spent three hours on hold to their customer service line before they hung up on me. I've sent them around 100 emails, each time they reply that it is the bank 's problem. I contact my bank, Barclays, to file a dispute. They said to post them documentation. I posted it, using USPS next day delivery. But the bank claims that they did not receive the documentation and closed the case. I'm still waiting for my refund, which is for the amount XXXX. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78744
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I contacted Barclaycard to dispute several late fee assessments on my account and their failure to reply to email and written disputes of said amounts on XX/XX/XXXX and XX/XX/XXXX. My account due date is the XXXX of each month and the fees that I'm disputing are characterized as late fees : XX/XX/XXXX ( {$40.00} XXXX despite payments : XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$160.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$170.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$100.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$200.00}. I spoke with representative XXXX on XX/XX/XXXX, as the phone lines were closed the majority of the year due to COVID and I had been unable to reach anyone by phone, email or letter until this date. XXXX advised that Barclays closes their billing cycle on the XXXX of every month and as such will apply any payments made prior to the XXXX to the prior month 's billing. I advised that I make payments exclusively online through my In Home Support Services worker because I am disabled and pay someone to come in to handle my legal affairs at the beginning and end of each month. At no point in time did the website indicate that payments made on that day would not apply to the monthly payment. In fact, the minimum payment for the month showing as owing is always listed and gives the account holder the belief that it is being paid. I asked XXXX to transfer my call to manager XXXX XXXX XXXX, as I disagreed with their policy of assessing late fees for timely payments without providing any type of notice, as well as their failure to answer emails and written complaints regarding previous late fees, as I would've been apprised of their policy had they responded to my earlier disputes. XXXX refused to apply the payment that I made today for {$77.00} to my XX/XX/XXXX due date despite the fact that I told her that the payment was made online XX/XX/XXXX for my XX/XX/XXXX due date and that COVID has left me unable to make additional payments. Additionally, she refused to refund any late fees from XXXX despite their failure to respond to my previous disputes and only promised to provide a credit for the {$40.00} late fee assessed on XX/XX/XXXX in a future billing cycle. In most months, I make between 2-3 payments to help pay off my card sooner. At no time did their website alert me to the fact that my payments were not being recorded appropriately and they never responded to my inquiries to clarify their policies to allow me to make any changes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
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: In good faith I used my XXXX credit card to pre-pay for a car ( rental ) using their website last weekend. Once I arrived at the XXXX XXXX place I was then charged {$300.00} additional dollars, and told that XXXX had only sent them {$50.00} of the {$200.00} that I pre-paid them for the car and the Insurance. When questioned, the gentlemen at the XXXX XXXX placed mentioned that I should call XXXX because they are fully aware that the insurance that the offer does not work in Colorado, does not cover the entire amount needed. I called XXXX at least 3 times and was informed by three different agents that because the " rental '' was non-refundable I would not be able to be refunded. Due to the contract not being honored, the manager at the XXXX XXXXr place refunded me and I never accepted the car rental. I was not to have to pay anything for the car since it was pre-paid, and since they required me to purchase additional insurance because as they put it XXXX knows that their insurance is not sufficient, I was refunded and let out of the contract and was forced to rent somewhere else. They sent me off with a receipt showing me that XXXX failed to pay them the entire amount for the car and that they refunded me what they could. Since the contract was not honored, and I was forced to rent otherwise I believe XXXX should refund me for the pre-paid purchase of a rental car. Since XXXX is not an honorable company I will like the full refund, placing the card back to a zero balance so I can close out the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
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/2020, I purchased two shore excursions from XXXX based in XXXX, Wi to be used on a XXXX XXXX while visiting XXXX XXXX on XX/XX/2020, and XXXX, XXXX on XX/XX/2020. These were each paid in full {$230.00} for the XXXX XXXX excursion and {$240.00} for the XXXX excursion. Each was paid with my Barclay Card account ending in XXXX as shown on the attached copy of my billing statement ending on XX/XX/2020. At that time XXXX had a published policy that stated that a Shore Excursion could be canceled at any time prior to departure and a full refund would be issued. A short time later XXXXXXXX XXXX canceled the cruise due to COVID-19 travel restrictions in the U.S. and XXXX. I contacted XXXX via email and requested a full refund as outlined by their published terms. I did not receive a response to my request until XX/XX/2020, when I was contacted by email ( attached ) and offered the ability to re-book the excursions to a later date or receive a Gift Certificate for a future booking but no refund despite their published terms. I responded to them via email on XX/XX/2020, rejecting their offer and reminding them of their published terms. I waited approximately 60 days and did not receive any further communication from XXXX. I then contacted Barclays and filed a complaint online about these transactions. Several months went by and I finally received a letter about Case Number : XXXX dated XX/XX/2020, in which they stated " Due to the length of time that has passed since the charge posted o our account, we are unable to take further action on this disputed charge. We encourage you to continue to pursue credit by contacting the merchant directly. '' That letter did not contain any information on how the file an appeal to their decision. I continued my attempts to contact XXXX as suggested by Barclays by phone and email. All phone numbers on their website either rang but with no answer or were disconnected. My emails went unanswered. Today, doing further research I discovered that XXXX has been placed in receivership owing 4.76 million in customer deposits for trips that have been canceled. It appears that this company took money that I and others paid them for excursions and never passed those funds to the excursion vendors who provide the excursions at the ports. I would expect that would be a criminal offense. ( copy attached ) I believe that Barclays has failed to protect the Credit Cardholders from merchants who have either acted in bad faith or have broken the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, BARCLAYS BANK DELAWARE add a hard inquiry on my credit reports. On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I used my credit card to purchase something online which turned out to be a scam. Immediately, after submitting my payment, I realized it was a scam. I logged into the Barclays online account to find that I was not permitted to dispute the issue for 2 weeks. I tried calling their customer support but gave up after 60-120 minutes on hold. I tried calling back over the next few days but kept running into long hold times. I eventually submitted a dispute on this charge online after the 2 week window opened up and allowed me to submit the dispute. Credit Card : Barclays Master Card Purchase Date : XX/XX/XXXX Amount of Dispute : {$130.00} XX/XX/XXXX : On XX/XX/XXXX, I received a letter from Barclays. You will see the attached mail from Barclays - Barclays did not believe me and sided with this vendor stating that I supposedly received a package. No package was received. I called the USPS but they had no proof either. I have been a great customer since XXXX. I have good credit with no issues paying my credit card consistently. I always pay off my balance - perhaps that's the problem? Even though I knew it was a scam and I never received any merchandise for the purchase, I paid Barclays the {$130.00} since again, I always pay my bills on time. I disputed the case again, in writing. XX/XX/XXXX I submitted documentation to Barclay again to fight for my case. Finally, you will see that Barclays believed me and said they will issue me credit of {$130.00}. XXXX XXXX. I am still waiting for my money. I have been calling Barclay many times since XX/XX/XXXX. I do not have it all documented but I called a few times in XX/XX/XXXX. I have documented that I called XX/XX/XXXX and XX/XX/XXXX. Each time the customer service says that I will get my money back and that I should just get it back in 5-10 business days. This has all turned out to be false. So, I submit this in deep frustration and disgust with Barclays customer support and handling of this issue. So, since XX/XX/XXXX, Barclay has held onto my {$130.00} and not returned it as promised after all this hassle. I have closed my account with them in disgust. I expect better customer service and trust in their Customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, per a court order, I have been paying on two accounts from Barclay Bank Delaware to XXXX XXXX, Attorneys at Law. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two Barclay Bank Delaware accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors Barclay Bank Delaware. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to Barclays Bank Delaware. Since the beginning of this, Barclays Bank Delaware has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Good morning, I have a concern and an issue I am dealing with and I would appreciate your help. I have a credit card through XXXX XXXX in which I am having the issue. The issue : In approximately in XXXX, they reached out to me and asked if I would be interested in 3 months of deferred payments and if that would help me out during this strange time we are in. I did accept their offer as it definitely would help me out as the monthly payment was about {$400.00}. They did say my card would still earn interest, which I was ok with. I was told that my next payment would be due on XX/XX/2021 in the amount of {$390.00} but I did need to get my account up to date as I was behind {$77.00} in which I was able scrounge up and get to them within a couple of days. I was told to ignore any automated phone calls and the billing statement as we go through the next 3 months. Within the 2nd month XXXX XXXX week of XXXX ) I was getting multiple phone calls and decided to give them a call to see what was going on. I was told that they were going to send my information to collection if I did not pay my credit bill. As the gentleman that I was speaking with looked into the situation, he saw that I shouldnt have not been receiving calls and fixed the issue, also explaining to me that my next payment is due on XX/XX/2021 needs to be in the amount of {$390.00}. I did receive a bill showing this amount early XXXX. I now received a phone call saying that I have a late payment and the {$390.00} they received on XX/XX/XXXX was short. I need to make an additional payment of {$800.00} XXXX and change ) for interest and late charges. I asked to speak with a XXXX as this made no sense to me. Why would you defer my payments for 3 months and then hit me with a huge payment at the end of three months. I did miss a phone call from Barclays bank XXXX XXXX XXXX ) but could not talk with them at the time they called yesterday. I am getting nowhere with the multiple people I have talked with and keep getting the run around. I requested to talk with a manager and still have not been able to talk with one. Each time I talked with anyone I asked if they could look at my notes on my file and even though they say they add notes, nothing is there. I did mention to the last gentlemen that I talked with to add the note that I need to speak with a manager and as they say we record our phone calls I asked to pull the recorded phone call prior to the manager calling me. At this point nobody has returned my call. I did ask that they take me off the list for the repeated phone calls and will wait for a manager and he said we would. My concern : I have never asked for any help in these times, and my family and I worked hard together, matter of fact my son wanted to start unemployment and we had a long talk and worked together to get thru a major bump in the road and to get him working again. I understand the hardship, but I can only imagine what the banks are telling you and what they are really doing. The additional stress they are putting on myself along with other people ( I would assume ) is unnecessary. I really need your help in this matter. Thank you in advance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Two credit cards were fraudulently opened in my name without my request on XX/XX/XXXX and XX/XX/XXXX at the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, SC XXXX. One card had a {$2000.00} credit and the other a {$6700.00} credit. The employees at the timeshare presentation took my personal information provided and forged my signature on credit card applications while I was attending a presentation on a timeshare, which I denied. I was neither made aware of any credit card applications or products during this timeshare presentation. All employees involved should be criminally charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A