Date Received: 2020-12-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: BarclayCard 's payment amount taken does not make sense. BarclayCard took more than the current balance was and thus the account now has a credit balance. They state that they will wait up to 5 days for funds to clear and an additional 10 days ( 3 weeks if business days ) to receive a paper check. The XX/XX/2020 statement balance was {$700.00}, due XX/XX/2020. A credit of {$420.00} posted XX/XX/2020 and I expected the payment amount to be reduced to the remaining {$270.00} due ; however, {$690.00} was taken on XX/XX/2020 which was greater than even the current balance at the time. I recommended that they reverse the initial ACH & deduct the appropriate amount instead. On the billing statement it states that it will be adjusted down if your Current Balance is less than the dollar amount you've selected however this did not happen : REMEMBER ... YOU ALREADY SCHEDULED YOUR PAYMENT This month your statement balance of {$700.00} is scheduled to be paid on XX/XX/2020. Thank you for taking advantage of our Repeat Payment system. It's an easy way to make your payment each month. Please be advised that your payment will be adjusted up if the Minimum Payment Due on your statement exceeds the dollar amount you've selected or down if your Current Balance is less than the dollar amount you've selected. This payment information is accurate as of your statement closing date. If you need to make changes to your payment you can do so until XXXX XXXX ET on XX/XX/2020. For more information on your Current Balance, please contact us at XXXX or visit us online at BarclaysUS.com.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
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, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. On XXXX 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: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
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: We bought a ticket on XXXX on XXXX XXXX from XXXX to XXXX on XXXX, XXXX, XXXX paid by Barclay credit card.The ticket was booked on XXXX XXXX, dates XXXX, XXXX XXXX, XXXX. This flight was cancelled due to Covid19 back in XXXX. For some unknown reason XXXX/XXXX divided this round trip ticket into two separate one way tickets ( {$550.00} and {$480.00} ). We were told by XXXX on multiple occasions that we would get a full refund but we did not receive anything so far. Finally we filed a dispute request on XXXX, XXXX with Barclay CC by which we paid for the ticket. They issued a temporary refund but it was reversed later on. I filed a complaint to CFPB on XXXX, XXXX, XXXX # XXXX. We were contacted by Barclay but Barclay did not address the essence of our complaint, namely, that the merchant did not provide service or product we fully paid for and, therefore, did not resolve the issue. Meanwhile, we recently contacted XXXX once again and were told that the merchant, XXXX airlines, actually refunded the ticket directly to Barclay credit card on XXXX, XXXX, XXXX. They provided us with the authorization transaction codes : For {$550.00} - auth code XXXX and for $ XXXX auth code- XXXX. However, there is no deposit on my Barclay account as of XXXX, XXXX, XXXX and when I called Barclay they had no idea what is going on. Please help to resolve this issue, it is going for too long, since XXXX, XXXX. Regards, 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: NY
Zip: 12309
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2020 I received from Barclays Bank a promotional offer for my XXXX XXXX credit card. ( Email of the offer is attached as a file : ATTENTION : Upload function does not work on your website. ) It offered to transfer up to 90 % of the customer 's available credit line either as a balance transfer or as a deposit directly into the customer 's bank account. I subsequently set up a transfer from the card to my checking account on the Barclays/XXXX XXXX website. Shortly after making the transfer, I realized that I had transferred into my non-preferred checking account. I called customer service and asked if I could cancel the transfer and re-institute the transfer to my preferred checking account. The customer service representative assured me that that would be no problem. I only had to wait 24 hours to re-do the transfer. I asked several times for her to reconfirm that I could subsequently make the transfer and was assured that it would be no problem after 24 hours elapsed. I waited 24 hours and then attempted to make the transfer on the Barclays/XXXX XXXX website but it blocked me from making the offered transaction. I called customer service for the account and was told that because I had cancelled the first transfer that the offer was no longer valid. They told me that the customer service representative had given me incorrect information. This situation is no fault of my own. If I had known this would be the result I would not have cancelled the initial transfer and let the funds go into my non-preferred checking account. Please ask Barclays/XXXX XXXX to correct this unfair situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Barclaycard Visa XXXX Rewards. I dont use XXXX XXXX for small purchases or XXXX. Therefore, I did.t request this kind of rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
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: We booked a vacation through a property management company, and when we arrived at the location, the previous tenants had destroyed the property. We attempted to resolve our issue with the company, as we were not able to stay at the location. The company is stating we were offered other accommodations, and declined them, which is a lie. As such, we were required to book with another company, and did not receive a refund. We have attempted to dispute this with the credit card company, but have been denied, as the rental company is lying to them about the situation. This was from XX/XX/2020 for {$1800.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02126
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I sent a letter by certified mail to Barclays Bank Delaware regarding an account on my credit reports from XXXX, XXXX, and XXXX, claiming that I owed Barclays money on an account that has been closed and written off since XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to Barclays on XX/XX/XXXX at XXXX. Barclays is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day Barclays received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to Barclays, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to Barclays on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day Barclays received my letter, I still did not receive a response from them. This is two times that I have contacted Barclays and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from Barclays regarding this account they claim I owe money on since XXXX, XXXX. Since I have sent them two letters of dispute, Barclays has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. Barclays has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both XX/XX/XXXX and XX/XX/XXXXcredit reports from Barclays that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when Barclays never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2020-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2020-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hi, I finally ( I think - no confirmation yet ) had the company - Barclays credit card US close my account. I took over 45 minutes on the phone and persistence. The service rep said the " computers were not working '' and to call back later. It took several request from me to connect me to a supervisor who eventually canceled my credit card. I suspect this was a scam to make it hard to cancel a card and want to alert someone of this. I will send an update if I actually don't get it canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This account are reported inaccurately because if you will check the report it shows that the dates, payment histories and other information are different across the reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A