Date Received: 2020-10-14
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/XXXX at XXXX, I received a text message from Barclay Visa fraud asking me to approve a charge of {$130.00} at a XXXX XXXX XXXX in XXXX XXXX CO XXXX I woke up to the text and responded " NO '' quickly at XXXX and called right away. The credit card was paid off in full back in XXXX and there was XXXX intention of ever using the card again. Also, it pays to mention there was also only one credit card issued in my name even though my husband was an authorized user. So much to my surprise, when I received a text asking if the charges were me. I was out of town with my husband and XXXX children in XXXX XXXX, CO for a performance as I'm a XXXX XXXX. I was performing for the XXXX XXXX XXXX XXXX. I filed a claim with the fraud department and they removed the charges back in XXXX. On XX/XX/XXXX, when I returned home from a trip, I received a letter from Barclays stating they have added the fraud charges back to my account and that I'm responsible for the charges. To say I was upset, is an understatement. I have faxed in proof that I was not in XXXX at the time of multiple transactions on my Barclays card. I have even filed a police report. Barclays is dragging their feet, saying I am responsible for the fraudulent charges on my account. I've been told countless times that a manager would call me, I have never received a call and that was confirmed by customer service in the fraud department, they said a couple of manager 's have reviewed my account but no calls. Many of them have been very rude on the phone with only a few helpful agents who clearly understand my and my husband 's frustration. Each time I call, which is at least once a week, I get a different story from the agents completing contradicting each other. One of the major fraud charges is over {$1000.00} at a hotel downtown XXXX, there is no reason they can't investigate that and prove that it was not me. That is one of the reasons why we filed a police report. My husband and I are having to do all the investigating because they are refusing to do their job. I think it is absolutely ridiculous that I'm going through this.. I want the fraud charges removed based off my proof that I was not in XXXX, CO at the time of these charges. This should not be difficult. I am so disappointed with Barclays, I would never do business with them again if this is how they treat their customers when fraud happens. They sent a letter on XXXX XXXX, which I received in the mail yesterday ( XX/XX/XXXX ), saying after conducting their investigation, they have determined that I'm not responsible for the charges. I called this morning ( XX/XX/XXXX ) to confirm, just to be told by the agent that the letter was a mistake and sent by accident. I am dealing with incompetent people, and this needs to be rectified like yesterday!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I requested Barclays Card Co. to pay me back {$140.00}. But they never do it. It forced me to file complaint to your CFPB office. However I never get any answer from your CFPB office Nor any answer from Barclays Card Co. WHY my case was closed very unfairly?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We have a Barclays Bank AAAdvantage Credit card. Our monthly payment is due on the XXXX of the month. This past week I received our regular email notice of a payment coming due. The email stated this, " Your AAdvantage Aviator Silver World Elite Mastercard account payment is due on XX/XX/XXXX. To avoid being charged any late fees or additional interest, your payment must be received by XXXX XXXX ET on XX/XX/XXXX. I doubled check my bill and it is due on XX/XX/XXXX. I contacted the customer service department and was told yes my payment is due on the XXXX. My complaint is, why did Barclays wrongly threaten me with fees and interests payments, do they do this every month to everyone?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 255XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
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 purchased flights on XXXX in XXXX for travel in XXXX using my Barclay credit card. In XXXX, the flight was cancelled by the airline. We are only being offered a voucher for travel and not a full refund as is the law when an airline cancels a flight. We have attempted to dispute this with the airline and they continue to refuse a refund, even after complaints were made with the Department of Transportation. Since XXXX, we have attempted to dispute the charge with Barclaycard as well, but our claim continues to be denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set auto-payment with my XXXX XXXX bank account ending in XXXX to pay Barclay credit card $ XXXX monthly, due to Covid-19 unemployment. However, on XXXX XXXX, Barclay withdrew {$450.00} from my bank account without my consent. Because my bank account was misappropriated, I contacted Barclay to credit my bank account the payment, but I was informed that the bank doesn't have the capabilities to rescind the payment. Based on the agent that I spoke to about resolving the issue, this withdrawal was intentional and without a resolution. The tape recorded conversation is attached for review. Due to Barclay decision not to rescind the payment, I have requested XXXX XXXX to credit the payment to my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29154
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
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 was over 2 months delinquent on my credit card which I rarely use due to a late charge from XXXX. The amount I was delinquent on was {$14.00} and I never once received a call from the Barclays Collections department regarding my delinquency. I only learned about the amount owed after receiving a promotional offer from the bank about Debt Management Services they offer. This promotional offer included the words " This is an attempt to collect a debt. '' in the smallest font possible at the bottom. With my girlfriend being in collections for 5+ years I knew this could not be good. On XX/XX/XXXX I contacted the bank and asked why I was never contacted regarding a delinquency of over 2 months. A representative name XXXX from the Barclays Collections department told me, " We have cut down on outbound calls to give people less of a hard time due to the Pandemic. '' The decision of this company to " Decrease outbound calls ... '' has resulted in me never being notified of this {$14.00} delinquency on a credit card with a {$3500.00} credit limit. This has now destroyed my credit score. I was told I would receive a call back from a supervisor to help take care of my problem within 24 - 48 hours On XX/XX/XXXX, having not heard from a supervisor for a week, I called again and was connected to XXXX XXXX, a customer service Supervisor at Barclays. XXXX then told me the reason I was not called back was because my account did not belong in collections in the first place. I then proceeded to explain my situation to him and he sat with me on the phone, assisting me in filing a Credit Bureau Dispute and assured me it would be sent out first thing Monday to help get the delinquency removed from my credit report. XXXX asked if I would still like to speak to a supervisor to which I said yes and was told I would receive a call. On XX/XX/XXXX, I was finally contacted by a supervisor and told them that XXXX was wonderful and helped me through the Credit Bureau Dispute process. Now, XX/XX/XXXX, I called to inquire as to why I have not heard back about the Credit Bureau Dispute and was connected to XXXX XXXX, another customer service supervisor. He first told me that " I am having trouble pulling up your information due to our system taking a long time to load. '' Getting the sense I was being hoodwinked yet again, I persisted and he eventually told me that No Report Had Been Filed and that the only thing he could do is file an internal complaint. Due to the gross negligence of this company, I was never contacted by their collections department about a XXXX past due {$14.00} besides a promotional email which has been attached to this Report. Besides being out right lied to about a Credit Bureau Dispute being filed by XXXX XXXX, this failure to contact me due to " cutting down on outbound calls. '' has resulted in my at the time great credit score being knocked down more than 100 points. All of these calls should be recorded and I have time stamps for each conversation. My Case ID with Barclays : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As part of my CFPB complaint, XXXX, Barclays Bank of Delaware posted an image of my application account which contained highly sensitive security information in their response. I now need to go through my all my accounts and change data. Barclays negligence in posting this now also leaves me open to identity theft for the foreseeable future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Your company is currently reporting to the XXXX credit bureaus that I applied with your organization. I did not XXXX you authorization to review my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I h ave 2 complaints. ***COMPLAINT # 1****On XX/XX/XXXX, I received an email from XXXX XXXX XXXX Mastercard ( issued by Barclays Bank Delaware ) for a promotion : " [ ... ] when you use your XXXX XXXX XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX , from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' The terms state " Statement credits earned will appear on your statement 6-8 weeks after the end of the promotion ''. As of XX/XX/XXXX I had made 3 XXXX transactions and I haven't received my {$20.00} statement credit. On the first week of XX/XX/XXXX, which is over 90 days since the promotion ended, I called the customer service number and spoke with a woman, who said she will file a ticket with the IT department to make sure I get my statement credit. As of today, XX/XX/XXXX I still have not received my {$20.00} statement credit. ***COMPLAINT # 2****When I signed up for this card, it was advertised that I would receive 5 % anniversary points every year after the first year. As of today, XX/XX/XXXX, I have not received my 5 % XXXX XXXX XXXX anniversary points. My account was opened in XX/XX/XXXX, and my 1-year anniversary would have been XX/XX/XXXX. As of XX/XX/XXXX I still haven't received my 5 % XXXX XXXX Anniversary points ( which would have been at least XXXX XXXX XXXX miles. I called and spoke with a female representative in early XXXX and she was not able to help me, she said I have to keep waiting but I am already past my 1-year anniversary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: As a minor, I was given a credit card under my mothers name - no information about me was given nor was I an account holder. The company - Barclay credit card - added me onto the account as a holder and it is now effecting my credit score when I have not been on the account for over a year and is continuing to show up on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A