Date Received: 2020-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Barlcays Bank told me that I owed {$1200.00} from XXXX - XXXX and it was written off. I have called XXXX and they can not provide me with any information proving that I owe that amount. They can not provide me with any paperwork claiming this to be true. I have disputed it time and time again and have spent hours on the phone only to get a representative to say what's on their computer screen but not actually provide any facts. I have checked my credit and credit score. I have no outstanding debt, none written off, and a nearly perfect credit score. My credit report would definitely reflect any outstanding debt from XXXX. In fact, I've even checked my credit card from that time period and it says, " BARCLAYS BANK DELAWARE Closed EXCEPTIONAL payment history Date opened Indicates the date an account was openedXX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - $ X, XXX Payment Info Status Paid " satisfactorily '' Status date XX/XX/XXXX Past due amount - {$0.00} '' PAID ON TIME. I would like for them to take this note off their account and allow me to use their services again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX, I made a purchase for an XXXX product with a special promotion for {$2900.00} with no interest fees if its paid in full in 24 months. Within Barclay bank promotion, If purchased is over XXXX, I have 24 months to pay it off with no interest. On XX/XX/XXXX, My account got charged three interest charges purchase of {$900.00}, {$76.00}, {$73.00}. I had call Barclay, multiple times, requested complain submission to a higher management but my calls had been dropped, and they do not want to make any responsibility towards this,.
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: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
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: Order two spin bikes. Never received them, trucking company damaged them during shipping and returned them to shipper. The credit card company XXXX is charging me {$500.00} for canceling them I did not cancel them they never made it to me. Shipping company imaged them and returned them to shipper. Company said they cant send replacement they dont have anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays Bank Delaware is reporting as unverified, unvalidated account on my XX/XX/XXXX credit report. Please see attached documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77803
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Barclays Bank agreed in a phone call on XX/XX/2020 to reduce my outstanding credit card balance by 50 %. However they are continuing to send out statements and report to credit agencies an amount that does not reflect the 50 % reduction. I have previously reported this problem to CFPB wherein I asked under the freedom of information act to have a transcript of the phone call when this discount was agreed upon. When Barclays responded to CFPB about this matter and a Federal Conspiracy complaint their response ignored the said phone call. I responded to CFPB that the answers given by Barclays were not correct yet CFPB closed the complaint because Barclays responded. I can not understand why CFPB closed the complaint when obviously the matter has not been resolved. Please explain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: on XX/XX/2020 I received a text message and a call from fraud department, Barclaycard ( in attachment ) regarding charge from XX/XX/XXXX for {$210.00} this was not my charge and I decline this transaction, representative form credit card, Barclaycard said I don't have to worry thy will close the old card and replaced with new one. will not be responsible for it. I wait two weeks for a new card ended with # XXXX. on XX/XX/2020 I call to credit card to pay my bill as I always do. To my surprised I fine out my balance is very large, not what I was expecting. I fined out that 3 charges from old card were transfer to new card, charges from XXXX XXXX Store # XXXX from XX/XX/2020 for {$210.00}, {$210.00}, {$220.00} Those were not my charges as I said to fraud department on XX/XX/2020 when they contact me. I disputed this charges with credit card on XX/XX/2020 first by calling them and sending a letter sting all facts ( see attached ) At this time I was advised to do police report and I did that on XX/XX/2020 ( see attached ) including {$25.00} charge for copy of police report.OnXX/XX/XXXX I received two letters re this situation, one informing me that I am not responsible for charges, the 2nd letter informing me I am responsible for the charges ( both letters dated XX/XX/2020 ) The Barclays open a new investigation case # XXXX and they said I have to wait I call every 2 weeks to follow up on case but there was no new information, I spoke with supervisors but everybody was asking me to wait. I receiving bills for those unauthorized charges and I am paying a minimum on it {$29.00} per month I don't want to destroyed my credit but I don't want to pay for fraud charges. om XX/XX/2020 I received letter that my case was denied and I am responsible for those charges. Please help me resolved this problem. The credit card Barclays did informed me re fraud in the first place and now thy are denying it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91011
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Lured by attractive terms ( i.e. no foreign transaction fees, no annual fee during the first year ), i opened a Barclays card in XX/XX/2020. Shortly, i received and activated the card. IF Barclays had signed me up for a different card than their offer to which i responded, Barclays NEEDED TO NOTIFY MEnot in a small pica footnote, but prominently enough for me to re-consider opening the card. Barclays did not. I used the card shortly thereafter while traveling abroad. Since my monthly payments were on AutoPay, my initial payment included the {$99.00} erroneous fee. Recently seeing what had happened, I phoned Barclay 's " customer service '' line twice, but BOTH times the Barclays system dropped my call. After one hour ( on those two calls ) i was able to accomplish NOTHING, even though the second Barclays agent correctly repeated my phone number and promised to call back if we were disconnected. He never did. In response to my demand letter, Barclays refunded the credit balance on my account but refused to refund the {$99.00} fee i should NOT have been charged. In closing the card this morning, Barclays agent XXXX confirmed that Barclays internal records reflect that my account was indeed a non-annual fee account for the first year. I now see in searching reviews of Barclay cards that this bait and switch technique is fairly common with Barclays. You apply for one card with certain benefits, Barclays sends you a lesser card and FAILS to note WHATSOEVER that the card they sent is NOT the card you applied for. This deceitful operating procedure MUST BE STOPPED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
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 booked airline tickets with a company XXXX using a barclays card number XXXX XXXX XXXX XXXX. XXXX issued fraudulent tickets not honored by the airline. I contested the charge, The credit card company sent ubnreadable correspondence from the merchant.I asked for readable copies .I asked by telephoning and in writing. The crediot card company never responded and demanded payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
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 booked a trip to take place from XX/XX/XXXX through XX/XX/2020. Paid the deposit of {$1500.00} on XX/XX/2020 and the balance of {$3900.00} on XX/XX/2020. I have receipts and confirmation emails for both transactions, neither of which contain any reference to cancellation policies. Merchant cancelled my trip without consulting with me and refused to refund our monies, instead giving us the choice of re-booking for another date or lose our money. I appealed to the merchant that since she did not provide any policy to us indicating such, we were entitled to a refund. The merchant refused. On XX/XX/2020, I filed a dispute claim through Barclays Bank, the issuer of the Aviator Mastercard I used to purchase the trip. Barclays has repeatedly denied the dispute due to the non-refundable cancellation policy agreed to when making the purchase. I have provided evidence numerous times with my receipts and emails that there was in fact, no policy ever received by me regarding cancellations, non-refundable or otherwise. The merchant also did not provide any evidence of any cancellation policy in the documentation they submitted to Barclays. I have provided to them the Mastercard Dispute Resolution Management During Covid-19 document dated XX/XX/2020. I have highlighted the fact that Cardholders are not obligated to accept reasonable alternative services unless required by the terms and conditions properly disclosed to the cardholder at the time of purchase. And also, Reasonable alternatives for future services can not be imposed on the cardholder in lieu of a refund unless the merchant has a right to provide the cardholder with such reasonable alternatives based on the terms and conditions properly disclosed to the cardholder at the time of the purchase. In my case, said term were not disclosed at all. The short version is this : 1. I booked and paid for a trip with my credit card. 2. The merchant cancelled the reservations without consulting with me, the purchaser of the trip, and evidence of the cancellation email was provided by both the merchant and me. 3. I have provided transaction receipts and accompanying emails as evidence there was no mention of any cancellation policies at the time of purchase. 4. The merchant has not provided any evidence or documentation that a cancellation policy was disclosed to us at the time of purchase. Barclays, in their duty to represent me, the card holder, has thrown up numerous roadblocks in my attempts to rectify this. They continue to deny my claim due to their ability to override the merchants non-refundable cancellation policy, of which they have no evidence and does not exist. They received the merchant documentation/evidence on XX/XX/XXXX but never notified me, contacted me or gave me a chance to respond. They re-posted to my account on XX/XX/XXXX, almost 60 days after they received the merchant response, without any notification. The letter I received later was dated XX/XX/XXXX, three days after they re-posted to my account. They denied my initial request to have the merchant documentation sent to me. They sent me a letter with only one claim number and both claim amounts and advised me to use the number on the form, resulting in me spending time and energy trying to sort that out with their dispute department. Numerous requests to have a manager contact me went unheeded. In fact, I still have not spoken with a manager since my first request on XX/XX/2020. There were three other families that booked the same trip. Each of them has been provided a refund through the dispute resolution process at their respective banks XXXX, XXXX, and XX/XX/XXXX XXXX XXXX. The reason? The merchant did not provide any policies up front concerning trip cancellations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A