Date Received: 2021-01-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Debt was originally owned by Barclays Bank Delaware. It was opened on XXXX XXXX and closed on XXXX XXXX XXXX. A new debt collector picked it up and said the original debt was opened XX/XX/XXXX. Now I have no way of getting rid of the original debt after 7 years because this new collector won't acknowledge my attempts to dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I, XXXX XXXX entered two timeshare agreements on XX/XX/2020, entitled XXXX XXXX XXXX XXXX with the provider XXXX XXXX XXXX XXXX XXXX. Per the terms of the agreement, I requested to cancel the timeshare on XX/XX/2020, within the allotted five ( 5 ) business days. The request was made per instructions of clause seventeen in the timeshare agreement entitled " XXXX XXXX '' via a certified letter, signed and notarized. It was faxed and sent via email to my appointed point of contact for XXXX XXXX XXXX de XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX. XXXX XXXX assured me that I was in the right of my contract and that the timeshare would be canceled. Soon after our conversation, I received numerous calls from XXXX XXXX XXXX XXXX XXXX sales representatives pleading with me to downgrade my package instead of canceling. After much debate, I was assured my request would be granted and would cancel the timeshare. Leading up to the cancelation of services, contact between myself and the quality assurance representatives seemingly ceased. Despite numerous calls, voicemails and emails, I was no longer able to contact XXXX XXXX nor XXXX XXXX. I filed a claim twice with Barclay Cards ( whom I opened a credit line with XXXX XXXX XXXX XXXX XXXX to purchase these timeshares ). Barclay cards denied my request twice, despite all my documentation from the company agreeing to cancel the timeshare agreement and reimburse all monies paid. I am now receiving notifications daily. My account with Barclays card is delinquent, and y credit has significantly dropped ( 77 points ) despite a perfect payment and credit history aside from this matter. I am writing with a request to cancel these two timeshare agreements and relinquish myself and others from this unfair, fraudulent practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was told by a representative that the payments were not late and no late fee charged, but credit report states two late payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
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 had submitted a dispute with Barclays ( Luxury Card ) about a charge in the amount of {$860.00}. On XX/XX/XXXX I had received a letter that the credit card company is unable to assist. After speaking to numerous agents on XX/XX/XXXX I was told the case was closed in error and it would be reopened and escalated. It never was. Again, I called and spoke to numerous agents ( call centers ). They can not even locate the case in their system properly, takes 30 minutes each time to explain what happened. Nothing is being done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2020 around XXXX XXXX I received an alert from XXXX XXXX and XXXX XXXX about a new hard inquiry which i do not recognize. It was made to XXXX by Barclays Bank Delaware. I have not solicited any credit services since XX/XX/2020. I tried contacting this bank via phone at XXXX but was unsuccessful after waiting on hold for 2 hours. I already placed a frod alert through XXXX to all 3 credit bureaus. Since i was unable to contact barclays bank delaware, i need a report from ftc so that XXXX can remove the fraudulent hard inquiry from my credit report.
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: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Barclays and Bank of Hawaii have sent me a letter and advertise on their website that I can apply for Covid related payment deferrals, but when I go though their process ( only way is a link through my account ), it will not allow me to submit or process the request. I have been trying to use this link several times since fall but it will not work. When I call Barclays customer service they just say, " sorry you are having trouble, there is no other way ''. Bank of Hawaii customer service tells me I have to call Barclays. Thank you for your time. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96761
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My account with Barclays was charged off and I was trying to pay it so I could close the account. I initially called in XX/XX/2020 and was told the bill was sent to collections and they no longer had it " in house ''. They said my account was sent to XXXX collections. I then called XXXX on XXXX to try and pay the account, she said they had no record of it. I then called Barclay 's back on XXXX and tried to explain the situation and that I really just wanted to pay my bill, I was again told that she could not find my account " in house '' and that it had been sent to XXXX. I was told that someone from Barclay 's would contact me within 7 days-that never happened. On XXXX I had a conference call with Barclay 's and XXXX because after multiple calls no one at Barclays would give me my balance or seem to know where my account was. Barclays confirmed I had a past due amount of {$1800.00} that was verified by XXXX. I overnighted a check for {$1800.00}, which was cashed on XXXX. I then called to get a satisfaction of debt letter from Barclays and was told I still owed XXXX. I asked if they could charge off the small amount because I was told by XXXX on XXXX that I owed {$1800.00}. They said no. I then sent them a check for XXXX that they received on XXXX verified by the USPS. I called XXXX on XXXX and XXXX and no one there can find the check for XXXX even though it was certified, nor will they write off the XXXX cents. I asked them to please obtain the recorded conference call from XXXX and was told they would work on it but it could take some time. I asked them to please send me a satisfaction of debt letter and was told they could not as long as I still owed XXXX cents and when I tried to explain I paid it and they signed for receipt of it, I was told I would have to track the check through my bank. Please help me, I don't know what else I can do to get the debt paid and satisfied. I feel like I am being bullied and my account held hostage over XXXX cents I do not have a recent statement, so I will enclose an old one for informational purposes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83201
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been unfairly charged finance charges and a late payment fee by the credit card issuer. My first payment was delivered on time on XX/XX/2020 in the amount of {$1300.00}. However, the credit card statement was not clear where the payment should be sent, as it listed two addresses. I sent the payment to the " Customer Service '' address at the bottom of the statement, which was listed more prominently on the statement. I later found out that the payments should have been sent to the other ( less prominent ) address, which did not disclose that it should be used for payments. This caused my payment to be misdirected to the wrong department, and ultimately processed several days late on XX/XX/2020, incurring a finance charge of {$19.00}. The same issue repeated on my next bill, and I incurred a late payment fee of {$39.00}, in addition to an {$8.00} finance charge. When I called to complain over lack of disclosure regarding which address to use on the statement, I was told that only the {$39.00} and {$19.00} charges could be refunded ( due to a policy of one waiver per customer per year ). I am requesting a refund of the {$8.00} charge, which was directly caused by the credit card company not disclosing which address should be used for payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
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 XXXX/XXXX/202 I received a call from XXXX XXXX XXXX, XXXX, Offering me a XXXX XXXX with Zero percent interest for the life of the card. I received a XXXX XXXX with Zero percent interest for only Two years, not what they offered. I called XXXX XXXXXXXX XXXX and their number was not in service I called XXXX and they had no affiliating with XXXX XXXX XXXX. I attempted to dispute the charges with my credit card /Barclay and they said the charges stand because I gave them my information I am responsible even though, XXXX XXXX about the interest free card and their affiliation with XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have disputed the same credit card charge several times with Barclay Arrival+ Credit Card company. I charged 2 tickets through XXXX for airline tickets to XXXX on XXXX. XXXX charged my card ending in # XXXX {$440.00} for each ticket ( 2 tickets totaling a charge of {$880.00} ). XXXX is an XXXX airline that my wife and I booked ticket on for a vacation ; subsequently due to Covid-19 the carrier suspended all flights and did not give us a credit. I tried to contact the airline but they were not accepting calls, and are now in financial trouble and not offering air service in the United State or XXXX. I disputed the charges with Barclay and explained the airline has cancelled all flights from the airport we were using and we did not get a refund. Barclay claimed they did not have enough information to rule against the airline even though the airline was no longer provided service ... .. I called Barclay and challenged their decision via telephone call, but due to the Covid the agent said they only would communicate via fax, or written interaction. On XXXX, XXXX XXXX I sent Barclay a 43 page FAX with supporting documents about XXXX. On XXXX XXXX I called the dispute center at Barclay XXXX XXXX XXXX to verify they were working on my complaint and the agent said " they received my complaint and sent my materials and a letter from Barclay to XXXX on XXXX XXXX. The agent said the airline ( XXXX ) had 60 days or XXXX XXXX, XXXX to respond. If the airline ( XXXX ) did not respond, Barclay would rule in my favor. The agent gave me the Case ID numbers which are XXXX XXXX and XXXX XXXX assigned to the disputes for my reference. Below is the text from the cover letter attached to the FAX sent on XXXX XXXX. Dear Barclay ; This is the third time I have contacted Barclay disputing the XXXX charges ( two charges of {$440.00} each for a total refund request of {$880.00} US dollars ) on my XX/XX/XXXX credit card bill. Please add the attached additional documentation to my on-going dispute under consideration as this company has attempted ( documented ) fraudulent practices against it's customers as well as going into financial ruin without refunding customers for flight 's that they themselves canceled and not issuing any credits to it's customers. I am requesting a full refund for for the 2 charges of {$440.00} each for a total refund of {$880.00} us dollars. Please call me at XXXX for additional information or to discuss this dispute. On XXXX XXXX XXXX I call the dispute center again to see if the airline responded yet and the agent checked the case numbers and said there was no response at this time, but the airline had until XXXX XXXX, XXXX to respond. On XX/XX/XXXX I called ( which is 2 day past the time frame the airline had to respond ) and the agent said Barclay dismissed my claim and no letter was ever sent to the XXXX because of Barclay company policy. I explained to the agent ( Name XXXX XXXX ) the conversations I have on previous calls. He was not open to listening and said I had no recourse.He indicated the Barclay mailed a letter to me on on XX/XX/XXXX stating the dismissal of the complaint ; Ie a day after the 60 day window the airline had to respond. I am asking for your support, Barclay has repeatedly dismissed this dispute and has taken a adversarial position. I have the documents I sent to Barclay and my hand written notes on the contents of my conversations with Barclay. I feel they are not processing this claim due to the overwhelming disputes associated with the COVID-19 pandemic. I would appreciate your assistance in this matter, Sincerely, 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: 33950
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A