Date Received: 2020-12-01
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 have had a one-time late payment remark on my account due to covid and due to the circumstances, I didn't get the chance nor did I have the knowledge at the time of the delinquency to get my payment deferred. This is now causing me damage while I'm applying for a mortgage. Typically I always pay on time and this was a one-time out of the ordinary situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays Bank has incorrectly posted a 30 day late on my credit and Ive tried everything possible to get them to fix their mistake and every time I have called they have transferred me around from agent to agent, with some calls lasting hours and every time they say it will be looked into and corrected, it never happens! I can not take hours out of my work day waiting for one of their representatives to pick up my calls - and when they finally do, I either get passed around from person to person or simply hung up on. Im sure Im not the only one that has had problems with Barclays service. Their repeated failures have had a grave effect to my perfect credit history and is both effected my construction business ( Im not able to open any credit accounts for building materials ) as well as my ability to refinance my home like the majority of Americans have done to take advantage of favorable interest rates. I hope your organization can help me ( and others ) who have been forced to suffer at the incompetent hands of Barclays Bank. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59801
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2019, I booked a three night hotel stay at the XXXX XXXX in XXXX using my Barclay 's XXXX XXXX Card. The three nights was a part of a much larger trip including a XXXX XXXX from XXXX to XXXX on XXXX XXXX line, airfare to XXXX and home from XXXX and several day trips. Our check in date for the XXXX XXXX was XX/XX/XXXX for three nights.The cost was roughly {$850.00} euros pain in full and a non-refundable rate. In XXXX the cruise was cancelled due to Covid-19. I contacted the hotel and they stated that due to the " non-refundable rate '' I'd have to " wait and see '' regarding a refund. The airlines cancelled, Americans were barred from traveling to XXXX. And in XXXX, XXXX became a hotspot for the virus. During our paid dates, the hotel was closed. I attempted to call several times and got no answers. I was never contacted by XXXX XXXX regarding the closure, but it was posted online that the hotel was closed on their website. When I eventually reached someone for the chain, I was told that I would not be refunded for my closed hotel reservation. I was, instead, offered a voucher that would be good for one year. I waited for a while, hoping that the situation would change. But, sadly, it hasn't. As of today, US visitors are still not allowed in the XXXX and with surging cases, this is not expected to change any time soon. I contacted the Barclay Card and requested a charge back due to paying for something that was not provided. This was the first of many issues I had with Barclay 's and they weren't able to even offer a dispute over the phone. I was told I had to mail or fax a letter with the information regarding the charge back. I did so and eventually I was given a " provisional credit ''. While waiting for further response, I let the money remain on the credit card. I have yet to hear back from Barclays. But a week ago, I noted that my money had been returned to the merchant with no communication to myself. I called and was transferred to the department that handles disputes and spoke with someone who gave me three reasons why my dispute was decided against me. # 1- the rate was non-refundable. The hotel was CLOSED. While I understand the definition of non-refundable, this should not be a reason to keep my money when even if I lived in the XXXX I could not have used my accommodations. The hotel was not open on XX/XX/XXXX-XX/XX/XXXX. # 2- I was given a voucher. As stated the voucher is good for one year and the XXXX is currently still closed to American Tourists. This voucher is worthless to me. # 3- I " waited '' to dispute the charge. When I booked the hotel, there was no Covid-19. There was no guidelines on how this would play out and I was hoping that Covid would " go away '' I waited because I had no choice, but to wait and see what would happen during a pandemic. And when I knew that I absolutely couldn't go, the hotel was closed and it was impossible to reach anyone in the company. Apparently none of this is any concern to the people at Barclays. They have taken my money and I am unable to speak to anyone above the customer service representative who answers the telephone. When demanding to speak to a supervisor, I was told a call back would be requested for me and I would get a call within 15 days. I have called several other customer numbers and have only been allowed to speak to the first line representatives who all say the same thing, " they understand my frustration, but, the dispute line is not taking calls ''. I am filing this complaint because I believe my money was basically stolen from me by both the hotel and my credit card company. I was offered no consumer protection, and I am unable to speak with anyone who could even attempt some sort of resolution. I will add that I was traveling with my husband and our best friends on this trip. Fortunately for our friends, they booked this hotel using a XXXX XXXX card and the dispute was resolved in favor of my friends and they have been refunded because the hotel was closed. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, XXXX and BRCLYSBANKDE has failed to respond back to me about the Inaccurate information that is being reported by them. XXXX never update my loan balance and payment amount and the old information never goes away because they fail to update my month-to-month revolving accounts. I have reached out to BRCLYSBANKDE and XXXX and now I am reaching out to you to request that you investigate and delete the unauthorized credit inquiry that is reporting to my XXXX credit report, and also have them to update my month-to-month revolving accounts. Thank you for your time and help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I lost my XXXX Mastercard Credit Card and as I was checking my account online I saw two charges in my account in the amount of {$390.00} made on XX/XX/XXXX at the XXXX XXXX XXXX, NH also another charge of {$840.00} made on XX/XX/XXXX at the XXXX XXXX in XXXX, NH. I am not even in the USA. I notice the fraudulent charges and I did reported right away to the credit card. These charges are fraudulent and was not made by me. They are refusing to reimburse me for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Barclays Bank is refusing to close my online savings account, which is in good standing and has a {$0.00} balance. I have requested the account be closed several times, but the bank has refused to close the account without providing a valid reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I am needing urgent assistance. Barclays consumer credit is dogmatic and more seriously, predatory and most unreasonable. Barclays is exploiting U.S. consumers ; and they are taking unfair actions-even when they are notified early on of serious issues. Specific to my case needing resolution right away please, I notified them apprx XX/XX/XXXX that I purchased cellphones for myself and a gift for my mother and sister. Immediately following, while I was trying on jeans at a nearby merchant, the bag with the phones inside was stolen. I reported this right away and the XXXX XXXX manager gave me all purchase details, I reported to security, security referred me to the local XXXX police, the local police stated they were exceptionally busy with more serious cases and this needed to reported to the consumer credit card company. I then immediately reported this to Barclays. I was re-assured that they -with the XXXX XXXX company and the information that I provided to Barclays- in detail, could resolve this matter. They XXXX phone information also confirmed that I'd never activated or used either of these phones. Again back apprx XXXX. My parent took charge also and was equally. concerned and jumped ahead and made a payment so that I would not have a first payment default as I was working to build my credit. I enlisted many advocates to assist and to prove to Barclays we needed resolution. We did not know about the CFPB at that time. Barclays took very, very long and did not follow up-at all as they promised many times.. My advocates and I called and wrote in to Barclays, trying to resolve-still no resolve. Ironically, fast forward to XXXX, I am again a victim of their predatory collections and consumer mistreatment. Ignored, disregarded, misrepresented, pressured, feeling even hunted down, run over and disrespected -even with an offer resolve an apprx 48++ month old debt -when this should be dismissed or discharged. Especially, with the amount of time gone by, the current serious COVID 19 financial and economic impact on me and my family, their dishonest and non-follow up to resolve, their disrespectful, predatory collection techniques, their serious of bumbling errors and mishandling of the extensive information that I called and called and wrote in to provide to them, their unfair demands, threats and aggressive executions to collect on phones that I never ever used. Barclays clearly is using this collection technique to generate revenue for their company in the wake of this pandemic economy. They are ruthless. Even the letter that I am attaching from Barclays dated XX/XX/XXXX is a fraudulent misrepresentation. They state they " fully investigated ''. They did not. They have not. I gave them all, extremely pertinent and time sensitive information for research, investigation and so that they could resolve almost 4 yrs ago! How could they dare type and send a letter date XXXX? This further demonstrates their dishonest tactics. Please assist me towards getting this resolved, and closed out permanently. Please also closely monitor Barclays and take very seriously other consumers who file complaints on them as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: someone tried to open a credit card on my name and now my credit history/report is completely locked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been severely impacted financially by COVID-19, and I have tried calling my credit card company, Barclays, regarding my Barclaycard XXXX card to bring my interest rate down lower due to my hardship. They are not willing to provide any assistance whatsoever. I need the government 's assistance in ensuring I am not overpaying these credit card companies with extremely high APR interest, when my main motive is to get out of debt with them. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I received notification from XXXX XXXX on the XX/XX/XXXX that I was reported 30 days for a credit card I haven't used in over a year. I received a letter this summer that Barclays was cancelling my credit card due to inactivity if I didn't respond in 15 days. I assumed my credit card was cancelled which was fine as I don't use it. On the XX/XX/XXXX I was reported 30 days late due to an annual fee that was charged on XX/XX/XXXX. I didn't receive any notification by mail or calls to let me know I was past due. Once I found out I paid the bill so I wasn't reported late. They also had sent me a new credit that I have never activated. I called them to remove the late and they said they can't because I was late. It was a card that has had a XXXX balance for over a year and I have been with them for over 4 years with zero lates. I think it's unfair to report me late for an annual fee and it dropped my fico score 100 points. Again, I called them and no help at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A