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: On XX/XX/XXXX, I sent in a letter to my credit card company- Barclays Bank , to file a dispute against the merchant XXXX XXXX XXXX , for the transactions amounting to {$1000.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. This was for 24 personal training sessions that I had paid for in advance in two installments, which would total to {$1500.00}. Due to Covid-19, the gym shut down in late XXXX and has since permanently closed down. I tried to get in contact with both the local gym as well as the main corporation on multiple occasions for a refund via telephone, online forums and email. This was to no avail since they had no live representatives on the phone and other options to contact them just didnt work out. Due to that, I decided to file the dispute with Barclays Bank. After mailing my letter in on XX/XX/XXXX and not hearing a response back from Barclays in XXXX, I decided to contact them via telephone. I spoke to two different representatives who had informed me that the case was closed due to having inadequate information since they couldnt get in contact with the gym ( for obvious reasons since the gym was closed ). I never received a letter stating that the case was closed- so I was not very pleased. Both representatives recommended that I send in a fax with more information about the last dates of me attempting to contact the merchant and they said that sending in that letter would reopen my case. I did so one day later and sent the fax on XX/XX/XXXX. I received a letter back from Barclays dated XX/XX/XXXX stating that they could not give me a credit for my dispute since they are outside of the permitted timeframe to help with the claim. After over three months of going back and forth with Barclays, this was extremely upsetting and not the response that I had expected. I sent in my original dispute in XXXX, had them close the case without informing me that they needed more information, then I speak to representatives who had me send in another fax stating the last date I contacted the gym.. all for them to say they are outside of the permitted timeframe to help me obtain a credit? Absolutely absurd! Why waste my time to send in another fax then? This just shows laziness and unwillingness of Barclays representatives to actually help their customers. The gym has closed! It is all over their website and not even Barclays could get in contact with them.. So why is it so hard for me to receive a credit?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On appropriately around XX/XX/XXXX I received notifications from my credit bureaus ( XXXX and XXXX ) that there was an 30 day late payment posted on my credit report by Barclays Uber Credit Card. First, I was really shock and lost of words thinking somehow I forgot to set up online automatic payment for Barclays Uber Credit Card to take the minimum payment out of my checking account. At the time, I didn't check my XXXX checking account to see what date did the payment go through. I have over 21 credit cards ( personal and business ) and they're all in outstanding payment status, I never missed a payment on ANY of my credit cards, ever. All of the accounts are set up on automatic payment. As I was getting ready to contact Barclays Uber Credit Card about the late payment notification, on the other side of the world ( XXXX ) I lost my XXXX, XXXX, XXXX and two XXXX at a XXXX XXXX XXXX. i immediately flew out to XXXX to burry my family and forgot about reaching out to Barclays Uber Credit Card. On XX/XX/XXXX, I returned back to the USA from dealing with my family deaths. On XX/XX/XXXX I reached out to Barclays Uber Credit Card through online customer service still thinking somehow I missed making the payment or setting up my for automatic payment. I asked for Goodwill forgiveness for making a mistake on the payment. I stated on my letter that I think there was an error on that payment. There was no way I was going to miss making my credit card payment. I'm very on top of my credit. I was told that I have to write a report to Barclays Dispute Address : FCRA Credit Bureau Disputes XXXX. XXXX XXXX XXXX, DE XXXX explaining my situation and if I have any proof ( i.e. Portion of consumer report, police report, fraud, or ID theft affidavit, court order or statements ) I should send it with the letter to that address and they will take 30 days to investigate and get back to me. On around mid XX/XX/XXXX, I started doing my own investigation before writing a dispute letter to Barclays Uber Credit Card. During my investigation, I have discovered after restless day and night of going through my payment history as well looking through my checking account bank statements that MY PAYMENT WAS NOT 30 DAYS LATE as it was reported wrongfully to the credit bureaus. On my bank statement ( ATTACHED ) you will see that a payment of {$130.00} was posted on XX/XX/XXXX ( Less than 30 days late ). However, according to Barclays Uber Credit Card XXXX statement ( ATTACHED ) you will see that same payment posted on as XX/XX/XXXX ( WHICH IS CLEARLY WRONG ). On XX/XX/XXXX and XXXX, I disputed incorrect payment history with Barclays Uber Credit Card, XXXX and XXXX. I attached and mailed the bank statements as proof of the accurate payment date and other evidence. I waited for over an month to hear back from Barclays Uber Credit Card and the credit bureaus. After waiting so long I finally received an correspondence from XXXX, XXXX and Barclays Uber Credit Card stating that the information on my credit report provided Barclays Uber Credit Card is accurate and there's nothing wrong. I'm not sure how this can be true? I clearly sent all the information needed as proof of evidence ( bank statement ) showing that payment history is wrong. I'm not sure why XXXX XXXX statement it shows that Barclays Uber Credit Card took the payment on XX/XX/XXXX ( which is before the 30 days late payment ) but Barclays Uber Credit Card posted the payment as on XX/XX/XXXX. This most likely seems like a technical payment issue with Barclays Uber Credit Card and XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX and Barclays Bank pulled my report without, y consent. I did not authorize this to be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a XXXX XXXX MasterCard offered by Barclay 's bank on XX/XX/XXXX due to an appealing limited time promotional offer of XXXX miles if $ XXXX was spent within the first 90 days. I would not have applied for this card but for this offer which I found to be worthwhile as I want to plan a trip to Hawaii soon with my new family. I am in Compliance myself so in early XXXX called to confirm if the 90 days was based on calendar month or count of days and was informed by a Barclays employee that my deadline was XX/XX/XXXX to earn the XXXX bonus miles ( unfortunately I failed to write down his name ). I spent the following by the cut off date : XXXX {$32.00} XXXX {$180.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$55.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$2200.00} * This item was a refrigerator purchase which was later returned ( actually exchanged ) and I received a partial credit back minus delivery fees in the amount of {$1500.00} on XX/XX/XXXX. That said, my XX/XX/XXXX purchase more than met the {$2000.00} spend requirements by the XX/XX/XXXX deadline. The written terms said it could take 6-8 weeks after the 90 days period ends for the miles to be credited to my account so I waited for that time to pass which would have been the end of XXXX. I did not see the credit in my XXXX nor my XXXX statement so on XX/XX/XXXX I called and spoke to XXXX in Customer Service who reviewed my account and confirmed I should have been credited the miles. She said she would open a case for my account to be reviewed but that it could take another 30 days for that to occur. I asked to speak to a manager and was transferred to XXXX. He reviewed my account and explained that I missed the cut off by 1 day because they count the 90 days differently than I was informed when I called in XXXX. He said the case XXXX opened for me was the only way to get my situation reviewed. I informed him I would be contacting the CFPB and he understood. I feel it was unfair and deceptive that a ) I was not issued the rewards promised with a marketing advertisement after meeting all the qualifying requirements b ) I specifically called for the cut off date and was misinformed but am now being penalized for it, c ) being forced to wait another 30 days for a resolution given my miles should have posted to my account by end of XXXX. I also think it is highly misleading to market things in a way that is not consumer friendly ; when you think of 90 days past XX/XX/XXXX, the reasonable consumer would conclude that that would mean that you have until XX/XX/XXXX to meet requirements. Factors such as shorter months or leap years don't tend to factor into normal scheduling. The disclosure should have instead read something to the effect of 'within 90 calendar days of account opening which may fall on a different date depending on the number of days in a month '.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX showing that I have an activity for credit card balance increase, where I do not have such BARCLAYS BANK DELAWARE credit card, and the balance showed {$13000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We were charged the annual 'membership fee ' but had torn up the XXXX XXXX XXXX XXXX and weren't using it. We also had paperless and had totally forgotten about the card. Per XXXX XXXX XXXX / Barclays Bank they charged us the membership fee of {$99.00} in XXXX. We hadn't used the card for 4 months or more and had completely forgotten about any membership fee. I called them in XXXX and they reversed the charge so the balance was/is XXXX. However, they reported the account as delinquent to the credit report companies lowering my credit score from XXXX to XXXX. I called manager at Barclays and they refused to reverse the delinquency and said that I should have known it was going to be renewed because they emailed me. At no time did I receive an email stating that this was going to happen to my credit report. I would appreciate Barclays reversing it allowing my credit history to be correctly reflected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/XXXX, I noticed a credit card that I have never owned. It came out in my credit report.I filed a complaint and dispute. Discoverd it was a third party credit card.and the names that came out on this card. Have never known or heard of these name these people.. I contacted Barclay 's and they told me to file a 2nd dispute.. But the company keeps insisting its my card.. Its being used fraudulently. Because this is not my card.This card does not belong to me. It was opened in XXXX and just recently came out on my report. I do not own this card have never applied for this card for this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85713
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to BARCLAYS BANK DELAWA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BARCLAYS BANK DELAWA agency to remove this charge-off 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: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I spoke with the company on 6 occasions regarding this ongoing issue. There are 4 payments that I made to credit account, but they were never applied, applied and reversed. After speaking with representatives, they requested proof from my bank that the payments were made. I provided proof in the form of the electronic transfer records provided by my bank. I spoke with multiple managers, and have multiple cases open, and each one was closed without explanation. I emailed corporate executives and received no response. These missing payments have caused my account to go beyond the promotional 0 % APR period for my purchase and its accruing significant interest. I continue to make payments on the account to avoid fees and negative credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have contact all of the creditors thats listed on my credit report asking for those hard inquiries to be removed because I did not apply for the accounts. I believe I have been fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55432
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A