Date Received: 2020-12-31
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: XX/XX/XXXX Charged 2 airline tickets for {$880.00} transaction posted XX/XX/XXXX XXXX XXXX. Flight was supposed to depart XX/XX/XXXX with a return date of XX/XX/XXXX. On XX/XX/XXXX logged in to check flight status and noticed that they had changed the flight by a day but also kept the original flight as well so in essence had two departing flights one on XX/XX/XXXX and one on XX/XX/XXXX. An email was sent asking for clarification on two different flights. On XX/XX/XXXX called customer service but after two hours on hold the call was dropped. On XX/XX/XXXX another call was made and again the call was dropped after two hours on hold. On XX/XX/XXXX made a third attempt to call and once again call was dropped after 90 minutes. On XX/XX/XXXX a response to e mail was received giving no explanation and only telling us to call regrading the issue which was attempted 3 times already. Per their documents the flight was due to leave XX/XX/XXXX and XX/XX/XXXX however, when we entered the reference number it stated that unable to retrieve this booking. Apparently they cancelled the flight, never responded, and never refunded the money. XX/XX/XXXX reached out to credit card company and was told because of date of original transaction dispute had to be filed by mail. XX/XX/XXXX sent credit card company a package and letter requesting to file a dispute and gave them all the facts. Sent by certified mail and confirmation was received that they got the package. XX/XX/XXXX reached out for status and was told that package wasn't received. Advised them impossible I had proof it was received. Requested supervisor to call back which took days. In the meantime received a letter dated XX/XX/XXXX giving me a case # XXXX advising me that they were investigating. Supervisor XXXX called and also told me that a case was opened and would require two billing cycles to resolve. 2 billing cycles came and went no credit and no response. Called on XX/XX/XXXX Spoke with XXXX ID # XXXX ( after being disconnected twice ) he told me there was no case which I told him was impossible I have a letter with the case # on it. He then found it and told me that they had reached out to the merchant on XX/XX/XXXX and they had until XX/XX/XXXX to respond and if no response I would automatically win the dispute and a credit would be issued to my card XX/XX/XXXX. He repeated this XXXX times. XX/XX/XXXX came and went with no credit. Called XX/XX/XXXX and demanded to speak with a supervisor again was told there was no case. Was told that a supervisor would call me by the end of the day on XX/XX/XXXX. Never happened. Set alarm to call them at XXXX XXXX PST XXXX ET XX/XX/XXXX. Went through the whole story with a rep who again said no case. I asked for ID # she put me on hold and disconnected me. Called back went through the whole story again asked for ID # she disconnected me. Called back again went through whole story with XXXX XXXX XXXX she was going to transfer me but disconnected me for the third time. Called back again spoke with XXXX XXXX XXXX who was most helpful of all so far. Again told there was no case. Apparently instead of filing a dispute they filed only a complaint and basically nothing every happened as the proper dispute was not filed. He tells me that I will have to wait for a call from a supervisor within 10-15 working days and start process all over. To sum it up, I'm out almost {$900.00} for a flight that never took place and getting the total run around from cc company. Because they didn't file this correctly and every person I spoke with makes up stories to get rid of me that is their problem not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94401
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a letter on XX/XX/2020, from Barclay Credit Card tell me that I needed to use my credit card or else they were going to close my account. The problem is that my card expired and they never sent me a new one. Now I have to order a new card, purchase a coffee with it and then pay it off immediately so that my credit score will not be adversely affected from having this credit card account closed. This company is bullying people into using credit cards when they don't need to. This makes no sense. It can't possibly hurt them to have my account open, even if I only use it occasionally. This type of activity from credit card companies should not be allowed or tolerated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2019 until current year as of now. I have been out of work, and could not pay any of my bills. Barclays Bank Delaware knew about my situation. The Charge Offs with Barclays Bank Delaware need to be verified, otherwise should be removed. Thank you kindly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
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: I Used my XX/XX/XXXX Mastercard through Barclays bank to purchase a trip back in XX/XX/XXXX XXXX through XXXX. for the amount of {$3800.00} and insurance payment of XXXX. In XX/XX/XXXX I received an email from XXXX stating my trip which was scheduled for XXXX XXXX, XXXX to XXXX XXXX had been cancelled and they were unable to give refunds and for me to reach out to my credit card company to get my refund. I called my card company they said I had to send in written statement which I did. Supposedly they put it in the system incorrectly which i didnt know but they told me it would take 3 billing cycles for my refund. So once i waited and received nothing i called again at which they said I needed to resend my paper statement which I did. This time I called in early XXXX and spoke to a supervisor which apologized and said she would take care of it. I got 4 letters from my card company. One dated XX/XX/XXXX XXXX explaining my dispute. One dated the XXXX saying my dispute was denied due to time frame. Then two dated the XXXX saying it was being investigated again. So I contacted them via the chat system which I have copies of the conversation and was told I would hear from a manager in 24 to 48 hours which it has now been over 48 hours and I've heard nothing. I'm missing nearly {$4000.00}. And they have been charging me interest on this since I tried to cancel in XXXX. Now it is services not renderred because I did not go on my trip XXXX XXXX. I've filed a police report and with the FL AG. This is my last hope to get my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had an account with Barclays XXXX XXXX XXXX Mastercard since XX/XX/XXXX. This year I moved and tried to update all of my accounts, but there have been many issues with the post office and delayed mail. My card was to expire in XX/XX/XXXX and I waited to receive a new one in the mail. On XX/XX/XXXX I received a notification from my credit monitoring report that my account had been closed without notice. I called the Mastercard number at XXXXXXXX XXXX on XX/XX/XXXX and asked the representative to reinstate the account because it was a mistake and I was waiting on the new card to use it. She told me that she would open a case and have an account manager review it and get back to me within 7 business days. I confirmed my email, address, and phone number with her so they could get back to me immediately. She told me I did not need a case number and someone would be in contact with me again soon. On XX/XX/XXXX at XXXXXXXX XXXX. I called the line again because I had not heard back on my case. The representative tole me that there was no case and that they would not reinstate the account. I asked to speak to a manager who told me the account notes showed that I had called but the representative failed to open a case on my behalf. She refused to reinstate the account despite the company not providing any notice to me that they would close the account. The account supervisor 's name was XXXX ( operator ID XXXX ) but she refused to give me the name and ID of the representative who helped me earlier or the week before. Despite engaging in unfair and deceptive acts to offer to help me reinstate the account or even look into it and then never taking the promised actions. I still have not received any notification on their behalf to close the account or the replacement card that should have come when my last one expired, despite having the app on my phone with push notifications enabled, an active email address with electronic notifications enabled, and regularly check my mail. I currently have XXXX rewards points on the account that the company refuses to honor and they failed to provide adequate notification of their intent to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Good morning, It has been over 120 days and I can not receive any information regarding an account Barclay reports on my credit report every month. I was told that my account was given to a company called XXXX, XXXX reports that the account was charged off since XX/XX/2020 for {$2400.00} and they no longer have the account. I would like this account removed from my credit report since no one at Barclay seem to not have knowledge of the account. I have been calling for over 120 days trying to resolve this issue. Please reply with the solution to this issue. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been charged a pre-payment penalty on a Barclay 's credit card that has been disguised as a " late fee. '' On XX/XX/2020, I made a payment of {$150.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I made a payment of {$100.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I was assessed a " Late Payment Fee '' in the amount of {$29.00}. On XX/XX/2020, I made a payment of {$250.00} for the statement period ending XX/XX/2020. I was then assessed an additional late fee of {$29.00} on XX/XX/2020. Per my credit card agreement, there are no stipulations for pre-payment penalties. After trying to resolve this with the company both through online communication and via telephone, Barclay 's has refused to correct their error and issue a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44236
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
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 XXXX XXXX, 2020, a withdrawal of {$100.00} from my checking account occurred per Barclaycard US. I did not authorize this transaction and it is not noted on my online activity statement. I contacted Barclaycard who gave me a Case ID number of XXXX and informed to get proof from my bank showing the withdrawal. This information was faxed on XX/XX/2020 to the number provided. I received a letter dated XX/XX/XXXX from Barclay indicating a provisional credit of {$100.00} was placed on my credit card account. However, the letter also requested additional information such as proof of payment ( cashed check, money order receipt ). Unsure of what additional information I could provide, I contacted Barclay again and was informed that the fax was received and I did not need to send anything else. I received a letter on XX/XX/2020 - dated the XXXX - that the provisional credit was removed as I did not send the required proof requested which required me to make an additional payment, though I paid over the minimum prior to the due date. I contacted Barclay again on the XX/XX/XXXX and was informed that this could not have occurred without my authorization. I was told I would speak with a specialist and was then placed on hold for over 1 hour to speak to someone again. I am filing this complaint because I am being ignored by the Barclay for a transaction that I did not authorize. I do not know what more I can do on my end as I have submitted the evidence needed. First, my monthly payment was over {$250.00} at that time. So, I would not make a random {$100.00} payment. Second, there is no activity on my statement showing an authorized payment of {$100.00} and that this payment was credited to my account. Third, I have the transaction statement from my bank showing that Barclaycard US removed {$100.00} on XXXX XXXX, 2020, along with the fax confirmation form. Finally, if I did authorize the payment, why is it not on my account? Why was it removed?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There were three fraudulent cash advances and advance fees charged on my XXXX XXXX rewards card. The cash advances were total {$1500.00} and advance fees were total {$75.00}. The cash advances happened places I never visited. According to the credit card 's statement, the first cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX, NJ, total {$500.00}. The second cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX NJ, total {$500.00}. The third cash advance happened on XX/XX/2020 at XXXX, NJ, total {$500.00}. During those days I was never in those places in NJ as I live in XXXX. I have called the credit card company several times since XX/XX/2020 and reported the fraudulent activities. After XX/XX/2020 I received a letter from the company stating after their investigation those transactions are valid and they declined my fraud claims. Their reason is simply because it's a chip card. Now they say I am responsible for all the fraudulent charges on the card including interests, late fees incurred as I was waiting for resolving the issues. As a medical doctor working during those three days in XXXX, I can provide proof that I was not in those places during those three days. Thus, this is totally unreasonable for a credit card company to just simply put the all the fraudulent charges to a honest, five-year-long customer. As we know chip card technology is not 100 % safe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
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 trip to XXXX, XXXX through XXXX that was scheduled for XX/XX/20-XXXX/20. I purchased the trip on XXXX/XXXX/20. The trip cost a total of {$2000.00} and was paid for through a series of installments. However, about a couple of months before our trip was to take place, the COVID-19 Pandemic hit, resulting in a travel ban. Our travel agency automatically canceled our trip without refunding our previous payments and then subsequently shut down their business so there was no one available to contact. They said to contact our banks for refunds. I filed a dispute with Barclay since that was the credit card the trip was purchased on. However, my dispute for the {$1300.00} was denied because they stated I filed after the 60 day dispute period. I tried to appeal the decision but was denied again. The card I used was the Barclays Arrival World Mastercard, which in their Guide to Benefits states : " TRIP CANCELLATION/INTERRUPTION : In the event of the Insured Persons Trip Cancellation or Trip Interruption, we will pay up to the Trip Cancellation/ Trip Interruption Benefit Amount of {$1500.00}. Our payment will not exceed either : 1 ) the actual NonRefundable amount paid by the Insured Person for a Common Carrier passenger fare ( s ) ; or 2 ) {$1500.00}. The Insured Person will relinquish to us any unused vouchers, tickets, coupons or travel privileges for which we have reimbursed the Insured Person. The Trip Cancellation or Trip Interruption of the Insured Person must be caused by or result from : XXXX ) death, Accidental injury, disease or physical illness of the Insured Person or an Immediate Family Member of the Insured Person ; or 2 ) default of the Common Carrier resulting from Financial Insolvency. Financial Insolvency means the inability of the entity to provide travel services because it has ceased operations either following the filing of a petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operations as a result of a denial of credit or the inability to meet financial obligations. NonRefundable means amount of money paid by or on behalf of the Insured Person for a Covered Trip which will be forfeited under the terms of the agreement made with the Common Carrier for unused travel arrangements and for which a travel agent or travel supplier will not provide any other form of compensation. '' My Common Carrier, XXXX.XXXX, shut down due to financial strain from COVID which is why I have not been able to get my money back from them. So therefore I should have been covered under the card 's insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A