Date Received: 2020-10-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hi there was a statement was send to my house and we didnt apply for this credit card and we had called in several times and report this account as fraud and we never heard back from Barclays and all sudden we are getting statements and harassing phone calls from debt collectors and we havent gotten any results from there investigations and they igorne us and never ask for a police report and that fraudulent account is getting send to the collection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
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 made a purchase from a website that was fraudulent I tried to contact them with no results they claim they shipped and I receive the packages but I did not I have two tracking numbers proving that it says from XXXX that the labels were unrecognizable not readable and that the packages had to be relabeled I have no idea what they were re-labeled with where they were delivered or who receive them but I did not I opened a dispute with my credit card company and they rebuild my account without getting any proof for me my side of the story or anything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
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 closed my credit card account, by phone, on XXXX. I was moving, told the agent my new address and asked for my final statement to be mailed to my new address. I never received the final statement. Approximately XXXX I received a statement with both late fees and interest but no detail regarding the purchases. On XXXX, following the instructions on the back of my statement, I sent a letter disputing the fees and asked for a statement detailing the charges. XXXX. I called, asked them to stop charging me interest and please mail a statement with subject charges. I still had no idea what charges I allegedly had made. XXXX. I received another statement with more fees and interest but still no detail regarding the charges! XXXX. Received statement detailing charges. I saw charge from a fraudulent web page that changes your address. They don't tell you they charge {$40.00} for a free service! XXXX. I sent letter disputing the fraudulent charge and the continued fees. XXXX. Received a letter saying they are investigating. XXXX Received a letter denying my claim because I took too long! They never respond and I took too long, insulting! XXXX I sent my last letter with a check to cover the 1 legitimate charge to my account, my cell phone bill. I told them I had no intention of paying any more, ever. XXXX. I received another denial letter which I returned telling them I'm filing this complaint. It comes down to them being negligent in forwarding my statement and then denying my claim against one of their deceptive vendors, blaming me saying I took too much time?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
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: The cancellation of this booking WAS completed within the cancellation window and in accordance with the merchants cancellation policy and should have resulted in a full refund. As proof of this, we attach emails from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX confirming that our cancellation of reservation for travel on XX/XX/XXXX was received and that a full refund in the amount of {$3200.00} would be processed back to our MasterCard ending in XXXX within 60-90 days. Here is a timeline of pertinent dates for clarification : XX/XX/XXXX Booking made and reservation fee of {$3200.00} charged. XX/XX/XXXX Booking cancelled well within the merchants cancellation window. Call to Barclay made XX/XX/XXXX, cancellation number XXXX, via online and phone call. I was told at this time that it takes 60 to 90 days to process the cancellation, which would be XX/XX/XXXX at the latest. Calls made to XXXX several times during this period, including Attempts to work out with XXXX via phone calls : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX 60-90 day refund timeline elapsed. Dispute opened with Barclay and sent via email and phone call. XX/XX/XXXX Another Dispute opened with Barclay. XX/XX/XXXX Another email from merchant confirming refund is due. XX/XX/XXXX. Several calls XX/XX/XXXX 60-90 day refund time elapsed. Call again to Barclay. They indicated denial to provide refund because they claim we did not contest the original charge in XX/XX/XXXX within 90 days. This was only done after a three way call to XXXX where XXXX affirmed we are entitled to a refund but that accounting was taking time due to the pandemic. XX/XX/XXXX XXXX confirms it will process the refund & seeks verification of the credit card. Confirmation made online and call to confirm received confirmation. XX/XX/XXXX. Email confirmation from XXXX that I should receive the refund with my credit card within 3-5 business days. XX/XX/XXXX. Call to Barclay seeking to confirmation of attempt by XXXX to refund. Barclay claimed no attempts were made. I asked for assistance. They said it may take up to 15 days and I should wait to file another dispute. I told them I did not want to wait that long because we had relied on their prior statements to wait on filing a dispute and then was told we could not get a refund because we waited to file a dispute. Filed another dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
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 was falsely charged a total of {$900.00} plus the interest that is currently accruing. Below is the letter that I sent to Barclays for my XXXX XXXX. The only way I can contact them to complain about an incorrect charge is to send in a snail mail letter. I sent in a letter the first time just circling my statement mischarges thinking that was enough for an investigation and a phone call to me. However, that claim was denied. And so I mailed in another letter and have now not heard back in over a month. When I called to check on my second letter I was hung up on or disconnected after waiting on hold for 30 mins. Also, I have a XXXX credit rating and have no history of bad credit. 2nd letter as follows : First of all, let me tell you that I am in despair over this and can not afford to lose {$1000.00}, in reality, losing this amount of money will affect whether or not I can travel to visit my family during the XXXX ( all because of an ATM glitch ). I am not someone who can afford to just not fight this. And I only travel with and use this card because it is supposed to protect me from situations like this. Recap : I am writing in a second attempt to dispute 2 charges that were incurred to me wrongly. I traveled to XXXX this XX/XX/XXXX XXXX and took my XXXX credit card into the XXXX XXXX in XXXX XXXX, to make sure that I went to a legitimate bank with a legit ATM to withdraw pesos.. Precisely to make sure that I did not go to a sketchy ATM on the street or one that charged exorbitant fees. On the XXXX of XXXX I put my card into the machine and entered my pin number. The machine read the card chip and I entered to make a withdrawal in pesos, which amounted to $ XXXXusd. The machine displayed a spinning circle on the screen after it accepted my withdrawal and then said incomplete transaction, would you like to try again? I then entered my pin again and attempted to try again to make the withdrawal in pesos and the same thing happened. The ATM displayed an error message and I received NO pesos with either attempt. This resulted in 2 charges to my AA credit card that I am disputing. I did not go to the XXXX XXXX to complain because I figured this was just an incompatibility and I had no indication that I would actually be charged twice on this card if I didnt actually receive any money, of course. I do not have a receipt for the transaction ( s ) but I do know for a fact that I never received any money from a XXXX ATM in XXXX in XXXX of XXXX. My assumption was that the ATM was out of money or there was another ATM issue causing me no receive the error message and to NOT receive the pesos requested and therefore I did not go to the XXXX XXXX to complain. My XXXX statement clearly shows that on the same day, I received XXXX from a XXXX ATM ( which was located across the street and I successfully used immediately following the 2 failed attempts with the Santander ATM ). My initial request was denied citing that my chip was read by the XXXX XXXX ATM. I am not denying that the ATM read my chip ; I am denying that Barclay released money to the XXXX ATM resulting in the failed attempt to receive money from the XXXX ATM. I am requesting for a second time that I receive a full refund for the following charges : 1. my first attempt to withdraw pesos- {$420.00} 2. my second attempt to withdraw pesos- {$420.00} 3. transaction fee associated with my first attempt to withdraw pesos- {$21.00} 4. transaction fee associated with my second attempt to withdraw pesos- {$21.00} 5. all interest accrued to my account for not paying these incorrect charges - {$14.00} My first dispute on this was denied, I am now including this receipt of proof of my experience. I did not understand this and would expect to see proof of your transaction with the XXXX XXXX saying that they gave me the funds if this would be denied again. I expect this to be looked at more closely this time and expect a full refund for the above charges to rectify this situation. If I am to be denied again, I expect to see proof that shows that funds left Barclay and were received by XXXX XXXX for the exact amounts described above on the dates in question. In that case, my case would need to be pursued with XXXX. I assure you that I am not taking these charges lightly and that I will pursue this case until it is solved fairly. I look forward to your response. Please dont hesitate to reach out to me if there is anything I can do to help clarify. My cell phone is XXXX and my email is XXXX. Thank you, XXXX XXXX XXXX Barclay customer since XXXX ( I then attached the bank statements below this letter showing the mischarges )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: So you are aware, we are paying on this debt. One month was owed that we accidentally skipped, and my husband made payments, today after I told him what happened. Our XXXX XXXX Barclay 's credit card apparently went to collections - this is my husband 's card, mind you, not mine - and a XXXX XXXX ( spelling? ) from the company XXXX, called ME AT WORK asking for me to call them back at ( XXXX ) a number that took me to Barclay 's credit card company. When I spoke to a representative, I told him that I was complaining about the company calling me at work. He said he found us in the system, using my husband 's cell phone number ( the one that is in collections ), and said he can't discuss it at all to anyone and that I needed to call XXXX, which is XXXX 's number. Barclay 's couldn't even find my work number when I asked him to search that way. I am furious that they called ME and it's not even my card AT WORK, which they were never given permission to do. This is harassment and I wanted to file a complaint report against XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
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 never received an item from XXXX they refunded my card nad now the charge shows again i emailed XXXX they say they refunded money end fo XXXX yet XXXX shows up on my upromise card i emailed 10 times i get scripts no help and its till there i will not be using either barclays card for some time due to poor service refund XXXX as to XXXX XXXX XXXX, i want XXXX back from steemer for poor service not delivering on what i asked they said they would BEFORE i agreed to purchase which is a form of deception since neither are done i am unable to use both cards. I resent them email from XXXX as to XXXX on upromise still no refund. help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was opened without my consent. I recently found out because I had my lender run my credit for a home loan. I filed a police report and submitted this to the creditor and the credit bureaus and they all still refuse to remove this from my credit. I have been fighting this account to be removed from my credit for months now and even with my police report as evidence of this account being fraud they refuse to remove this which is hurting my credit immensely!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XXXX XXXX I noticed fraudulent charges on my Barclay Bank account # XXXX XXXX XXXX XXXX. I called the number on the back of the card to report the fraudulent charges and request that the account be closed and reissued. Barclays automated system stated that they could take phone calls at that time and that I should communicate via their secure message system. I requested via their message system to close the account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2020. I also wrote two letters requesting that the account be closed. On XXXX XXXX I received a form letter stating that they could not complete my request at that time. I was finally able to get them on the phone in early XXXX and after much discussion and finally a demand, they closed the account. If they had responded to my requests to close the account in a timely manner either by message or via phone as is usual for all other credit cards I have had, then there would have been no problem. I feel that they are responsible for all fraudulent charges on this account by their inaction to my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went on a vacation with my wife to XXXX XXXX XXXX XXXX on XX/XX/2019 and sat through a time share presentation. The presenter asked if we would like to accept the package, we agreed saying yes. He asked if we would like to open a credit card for the purchase, and we said yes, AS LONG AS IT IS NOT A HARD INQUIRY ON MY CREDIT REPORT, He assured me it was a SOFT INQUIRY and it would not affect my credit report in anyway. Little did i know THE COMPANY LIED TO ME AND IT WAS A HARD INQUIRY AND IT DID EFFECT MY CREDIT REPORT in a huge way. The company is called BARCLAYS BANK DELAWARE, XXXX. XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX. All i am asking to resolve this issue is to take the hard inquiry off of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96130
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A