Date Received: 2020-10-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: There was a fraudulent charge placed on my Barclays Jet Blue card ending XXXX. On XX/XX/XXXX {$100.00} was charged to my account said XXXX XXXX on the statement. I had a XXXX balance on the account before this fraudulent charge was placed. Barclays has not removed the charge and have added {$40.00} each month late fee. My credit score has dropped 84 points due to this crime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
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: Barclays Credit Card Case ID # XXXX This is a summary. More detailed information will be uploaded. XX/XX/20 A vendor called XXXX XXXX XXXX XXXX XXXX charged my Barclays Credit Card {$1200.00}. The following week, I called my Sales Representative ( XXXX XXXX XXXX ) and followed up with a call to the Company itself to explain that I need to return the merchandise due to the New York City shutdown as a result of Covid-19. In the end, they refused to accept my return. I called Barclays to open up a dispute claim and I was directed to go on-line which I did and opened the dispute claim. XX/XX/20 I received a letter from Barclays Dispute Department stating unfortunately, we were unable to obtain credit on your behalf because we can not override the merchants policy in regard to a return/cancellation. I immediately called Barclays Dispute Dept. and explained that there is no return policy on either of my receipts ( 1. Credit Card Receipt and 2. XXXX XXXX XXXX computer printout receipt ). I also stated that I looked at last years receipt and there was no return policy listed on that one as well. Barclays then reopened the claim. XX/XX/20 Received another letter from Barclays Dispute Department, this time stating The merchant has since supplied documentation that details what the transaction represents. Unfortunately, we are unable to further pursue credit on your behalf for this particular transaction. What does this mean, or have anything to do about a return policy on the receipt? I again called Barclays and spoke to XXXX who said, You cant keep the merchandise and receive a credit. I said, I know, but the company refuses to take the return. Again, it does not state any return policy on either of my receipts. She said send XXXX XXXX XXXX XXXX whatever merchandise you have, make sure you get copies of all shipping documents, receipts, and put your case ID number on everything and fax it to XXXX ( Dispute Department Fax Number ). You must do this within 10 days for the dispute claim to stay open. I asked, what about the XXXX of XXXX holiday?. She said, that day will be excluded. I thanked her for resolving the issue. XX/XX/20 Purchased shipping boxes. {$27.00} XX/XX/20 Shipped merchandise. {$26.00} XX/XX/20 Faxed Barclays Dispute Department all receipts, shipping documents, a letter outlining return of 192 packages @ {$3.00} equaling {$570.00} with the ID Case Number on each page as XXXX instructed. XX/XX/20 Verified package was received by XXXX XXXX XXXX XXXX, XXXX through XXXX tracking number. XX/XX/20 Received another letter from Barclays stating that they are increasing my line of credit to {$15000.00} ( I did not request this and plan on closing any Barclay Credit Cards once this dispute is resolved ). I just want my {$570.00} credit. XX/XX/20 Received two letters from Barclays Dispute Department. First letter dated XX/XX/20 dated Merchant has not violated the terms and conditions of the contract. Again, what does this mean? This has nothing to do with not having a return policy on either of my receipts from this year or last year. Besides the fact that {$570.00} worth or merchandise has been shipped back to XXXX XXXX XXXX XXXX and is now in their possession. The second letter dated XX/XX/20 stated unfortunately, we were unable to pursue credit on your behalf for this particular transaction ( s ) for the following reasons : the chip on the card was read and validated during the authorization process or the chip was present and CVV confirmed. What does this mean? First or all, this was a phone order, secondly, what does this have to do with not having the return policy on any of my receipts, lastly, now I no longer have the merchandise in my possession. The vendor, XXXX XXXX XXXX XXXX XXXX XXXX has had the merchandise for 3 months now ( per XXXX at Barclays request ). I subsequently looked up via the internet and located the phone number of Barclays US Headquarters in XXXX for the Presidents office. I called the phone number listed for the Presidents office voicemail and left a message of who I was, and a description of the unbearable situation Barclays has put me in with this credit issue. My husband also looked up Barclays on the internet and found a number of forums in both XXXX and the US that discussed how Barclays had a number of negative to horrible reviews from customers and that they do not take care of customer return issues, period. The next day, XXXX from Barclays Presidents Office called and I explained the issue. She said that she would call me back. XX/XX/20 I received a voicemail from XXXX. She said This is XXXX XXXX calling from Barclays Office of the President and this message is for XXXX I will follow-up with you with a letter. Thank you. I have to this date, never received a letter or phone call. XX/XX/20 Today, I was called by Barclays Collections. Once again, I tried and no luck! Today, after talking to four different people, I was told, unfortunately, we can not credit your account because the amount of the transaction is not the amount of the return. I stated, I do not have the merchandise, it was returned three months ago to the vendor, so open up a dispute claim for {$570.00}. They said they can not do that. I hung up and was completely flabbergasted. I am requesting that this is corrected once and for all. I am due {$570.00} credit in addition to my interest/late fees. I am writing a check today, XX/XX/20 for {$37.00}, which I believe is the difference. XX/XX/20 Found another phone number for the Corporate Office. Left a message for XXXX XXXX ( XXXX, XXXX ). No response. Five excuses over six months without my {$570.00} credit with merchandise being returned to vendor over three months ago : 1. Unfortunately, we are unable to obtain credit on your behalf because we can not override the merchants policy in regard to a return/cancellation. 2. The merchant has since supplied documentation that details what the transaction represents. Unfortunately, we are unable to further pursue credit on your behalf for this particular transaction. 3. Merchant has not violated the terms and conditions of the contract. 4. Unfortunately, we were unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason, The chip on the card was read and validated during the authorization process, or the chip was present and CVV confirmed. 5. Unfortunately, we can not credit your account, the amount of the transaction is no the amount of the return.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
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: Made a purchase with XXXX for a XXXX XXXX XXXX XXXX for XX/XX/XXXX - XXXX, total of a little over {$1900.00}. The property was advertised as a paradise location, however when we arrived, we found the jacuzzi was dirty, the couch was sinking in the middle, cobwebs were in the light fixtures above the bed, the fridge light was not working and was not cooling the food we brought, the microwave sounded like it was about to explode, the TV in the bedroom was not working, the water pressure was extremely low, the dryer shut off after 4 minutes and there were termite droppings in two locations of the small kitchen. Called the company, who immediately cleaned the jacuzzi, but we waited four days for a response on the other issues from their local office. Per XXXX XXXX regulations, the company management 's phone number should be posted on an outside sign, which it was not. Once the local office called back, they sent someone to fix the TV, fridge and dryer. Nobody came to clean the light fixtures or address the other issues. The day before check out, the air conditioner went out. The company said someone would come within 1 hour, which they did, but shortly after leaving, the AC went out again. The maintenance worker told us that the system was " rigged '' to work, and made adjustments for it to continue to work until we would check out ( by removing an auto-switch off if the water ran out ). As part of the Fair Billing Credit Act, I disputed the charge with Barclays, who ultimately stated we were billed appropriately. XXXX only offered a one night refund ( {$110.00} ), and the entire vacation was ruined due to the unpleasant condo unit. On the first day when we waited 15 minutes to have someone let us in, because the lock code was not working, we requested another condo and were denied. We are requesting a full refund due to the unsafe living conditions we were in ( TERMITES IN KITCHEN ) and will not request a refund for the food we had to throw away due to a faulty fridge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Barclays with XXXX rewards was not willing to work with me for missed payments for XXXX, XXXX, and XXXX of 2020. In mid XXXX I had contracted XXXX and had symptoms for a little over 3weeks into XXXX. I was cleared my the doctors mid XXXX and went back to work part time in a XXXX XXXX and odd jobs to make my monthly living payments. The operator was unable to assist me with coming up with a plan for payment do to the pandemic and financial hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX of 2019 XXXX took over control of rewards dispersal for their XXXX Visa card ( from Barclay 's ). They supposedly notified customers of the change in terms and conditions, however I did not receive notification. Apparently I can no longer apply my rewards to my credit card balance and MUST use them on XXXX services only. I have {$520.00} in XXXX cash rewards, which equates to over {$50000.00} in spending on that card. It is not feasible to use $ XXXX on XXXX services when I live in an area that DOES NOT PROVIDE XXXX SERVICES. I contacted Barclay 's today and was told I'd have to take it up with XXXX, since they can no longer disperse those funds. I've done everything I can to find some way to contact XXXX, however they seem to not want to interact with the public or provide customer service in any way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that XXXX be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2020 I received direct communication from Barclay 's for a {$20.00} statement credit on my XXXX XXXX XXXX Card if I were to make 3 orders for XXXX XXXX of any amount during the month of XXXX. I completed the terms on XX/XX/2020 with three separate purchases. The terms days the credit will post to eligible accounts 6-8 weeks after the end of the promotion ( XX/XX/2020 ). On XX/XX/2020 I contacted Barclay 's about this promotion not being honored, and was told that I did in fact complete the terms, and that a statement credit would post within 10 business days. On XX/XX/2020 I reached out again, and was told that I still had not received my credit due to " an issue with the bank ''. No timetable was given. On XX/XX/2020 I reached out again, further acknowledgement that I fulfilled the terms, but no timetable given as to when the statement credit would post. On XX/XX/2020, I called to inquire about this promotion which has now gone about two months past the end of when payment was promised. Still no timetable given. I see no willingness on Barclay 's part to honor this promotion which is easily solved with a simple {$20.00} statement credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Barclays had an offer on the XXXX card : open the card, spend {$1000.00} in the first 3 months and pay the annual fee, and then get XXXX XXXX miles. I was approved for the card on XX/XX/2020, spent over {$1000.00} in the first 2 months, and paid the annual fee ( before it was due ) .Barclays shut down my card and did not give me the XXXX points. I understand issuers can shut a card for no reason, but they still owe me the XXXX miles. I have attached the statement showing my spend, as well as Barclays confirming I will be receiving the bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is barclays and the other is XXXX XXXX XXXX. For some reason they are not reporting to XXXX, XXXX and XXXX any help here would be greatly appreciate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A