Date Received: 2020-12-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I applied for a Barclays Credit Card from XXXX to purchase an XXXX last XXXX the total cost was XXXX dollars. I was given a credit limit of XXXX dollars. At that time, I was a member of a XXXX XXXX XXXX XXXX, also a XXXX for the XXXX XXXX of a pro sports team in XXXX XXXX. On XX/XX/XXXX, the XXXX was terminated. My income was severely damaged at that time. I had been divorced for a few months and was trying to restart my life from ground zero. I had an apartment which was XXXX a month and my income went from XXXX a month to XXXX a month. I called Barclays in XXXX and explained the situation. I explained that I needed a month to resort my finances and that I would resume payment in XXXX. Then, Covid-19 took my job as a XXXX for the XXXX XXXX of the sports team ( XXXX XXXX. I again, called Barclays and said, I have been furloughed and was making around XXXX a month. I couldn't renew my lease, so i moved in with a friend and gave them the address. I touched base with them in XXXX and explained that my income was affected by Covid. They explained to me that they have a Covid program and that I was on and not to worry. In XXXX, my account was closed without notice. They said they sent a certified letter. I never received it. However, I couldn't make payments, due to my furlough status. In XXXX, I was rehired back and began making payments. I argued throughout the months that I didn't deserve this treatment because of Covid. It was flat out unjust. In XXXX, my online account was suspended. I called to find out why and they said it was due to the account being closed. I argued because i was unable to make that payment. I explained that I had I tried calling several times about my online account to no answer. As i discussed my situation again, I became angry. My credit score is a disaster because of them. I have two other cards who didn't close my account that knew the situation. Hmmmm, Now, I'm XXXX grand in the hole because i was divorced and let go from one job and was furloughed during Covid 19. The lady at Barclays said it was the credit Bureau policy to close an account after 90 days of inactivity. I called her out and they said there was nothing they could do. I still do not have access to my online account and now, I can't barrow a dime from anyone to pay the account and try to repair my credit. It was completely out of my hands and i explained that several times. They didn't care. I doubt this even goes anywhere, but its worth a shot right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
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: Used XXXX to plan a trip my card was charged in total {$2700.00}. I emailed XXXX tried calling, I knew COVID was effecting travel but never dream a company would take advantage in these times. I filed a dispute with Barclays within the time frame and was told they could not help me. My husband and me are retired and on a fixed budget. Please let me know what can be done. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75602
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
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 currently have a Barclay 's Advantage Aviator MasterCard XXXX. I contacted them on XX/XX/2020 to submit a billing dispute for services I did not receive from XXXX XXXX. The two charges occurred on XX/XX/2020 and were in the amounts of {$960.00} and {$30.00}, respectively. Despite repeated phone calls to Barclay 's at XXXX, they did not credit my account while the dispute was in process, nor did they send any written correspondence to me as is typical with credit card companies. They also transfer me to different departments or to a person who I can tell is situated in another country ( confirmed as XXXX ) and will not provide their full name for me to document who I spoke with. Additionally, Barclay 's is taking over 10 business days to process ANY credits from ANY merchant. On the other hand, Barclay 's rapidly processes charges. I believe they are not complying with the Fair Credit Billing Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34209
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
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 submitted a billing dispute and followed Barclays instructions and disputed a XXXX XXXX airline charge, that had a {$600.00} variance that I wanted to be made whole on, based on a US Dept of Transportation enforcement action. I provided this information to Barclays on XX/XX/XXXX, after the formal 60 day billing resolution period. I received a form letter back from Barclays on XX/XX/XXXX, stating that since it is beyond the 60 day window, they can not help me. I called Barclays team ( Case ID # XXXX ) and spoke with XXXX XXXX in the XXXX on XX/XX/20 at XXXX MST. She informed me that I would have to create another dispute letter to explain why I wanted Barclays to pursue this beyond the window of time. I provided all this detail in my original letter to the bank. ( XXXX ) The bank has an obligation to contact the merchant and obtain some type of acknowledgement in this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, Barlaycard US sent me a letter stating that my credit card ( barclays arrival plus world elite mastercard ending in XXXX ) was closed due to " your history of account usage ''. I received the letter on XX/XX/XXXX20 and responded with a letter on XXXX/XXXX/20. I requested 4 things : 1. For information regarding the closure since their statement was vague and unclear. 2. For the account to be reinstated as I had kept the account in good standing. 3. A refund of the annual fee paid earlier in the year in the amount of {$89.00} as the membership fee was for an annual membership and they did not fulfill the annual membership. 4. A credit in the amount fo {$430.00} as I had XXXX points remaining in my account on the day of closure. These points could be used at a $ 0.01/point ratio to credit travel expenses. On XXXX XXXX, 2020, I made a charge to " XXXX XXXX '' in excess of {$700.00} and this charge would qualify as a travel charge, so the point could be applied to the charge. On XX/XX/XXXX2020 Barclaycard US replied with a letter simply stating " ... We are unable to complete your request ... '' with no additional information. My first concern is that I would like a credit in the amount of {$520.00} for the annual fee refund and a usage of the remainder of my points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My wallet was stolen and used to create a fraudulent account with Barclays Bank Delaware in my name. I have attached a Police report as proof that my wallet was stolen and that the account is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
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, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2020, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 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: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
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: I have an account with Barclay 's Bank. During this pandemic I had lost some income due to loss of some work. I called barclay 's bank and was told I can go on a smaller monthly payment and lowered interest rate for 5 months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account 60 days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for 5 months. We weren't even near the 5 months. I made the payment they wanted and requested to please remove that 60 day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from XXXX and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full 5 months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I applied for this card at the XXXX store in XX/XX/2019 when purchasing my new laptop. With my purchase of the laptop I was also included in the back to school program and received a free pair of XXXX headphones. The retail price of XXXX XXXX XXXX with tax ) for the XXXX headphones were incorrectly applied to my Barclay financing amount. When I made my last and final payment to my credit card I noticed that my payments exceeded the price of my laptop. I have called Barclay at least 7 times and was hung up on 4 times. When I did get through I was transferred repeatedly to the same call center person. She was very obviously upset with me and her anger came through very clearly even as she answered the phone after " transferring '' me. This was before I even said hello and even then I was not angry. I'm left with no options to get this resolved. What am I supposed to do when I call and am hung up on and transferred in the hopes I give up. This whole situation wasn't something I did wrong. I was incorrectly charged and all I want is a refund of the correct amount and to move on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I placed three XXXX Payments through Barclay 's Credit Card. I've been making utility payment and bill payments through XXXX on many other cards for a year with no fees or problems. The payments were made on the following dates, with the corresponding charges, XX/XX/XXXX XXXX Payment for {$410.00} / Fee of {$20.00} XX/XX/XXXX XXXX Payment for {$360.00} / Fee of {$17.00} XX/XX/XXXX XXXX Payment for {$1200.00} / Fee of {$63.00} No where does it state that paying a bill by a service like XXXX cost 5 %, plus they are charging me interest on the cash advance Fee ( they were not cash advances ), all the way up until I pay for them, even though the bill for said interest is not due until XX/XX/XXXX. I explained to them that they weren't cash advances and I did not know they would be charged that and they refuse to credit me these charges back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A