Date Received: 2020-10-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: From the first incident with them, they reduced my credit limit without communication at all. No mail, email, or XXXX XXXX drop off message ... Now they just closed my account without my knowledge ... That may cause an issue within my credit in midst of covid pandemic ...
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: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was added as authorized user on XXXX Barclays Bank of Delaware card on XX/XX/2019. He went threw a financial hardship which he wasn't able to pay bill. I'm in process of getting a home and need my information remove. I've called company several times also sent letter for removal nothing happen.
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: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclay and Uber offered a credit card rewards program that was difficult to access, rules were changed to the detriment of the consumer, benefits were incorrectly calculated, and customer support unable to resolve the discrepancy. In XXXX of XXXX, I attempted to redeem rewards associated with Uber Credit Card promoted by Barclay. However, the process was confusing enough to cause me to try again later. In XXXX of XXXX, I had approximately XXXX points ( {$910.00} value ) earned for the account. I learned the program had recently changed to only allow rewards to be redeemed through Uber. Yet, the Uber app did not reflect my point balance. I was unable to redeem any of the points earned so far. Only newly earned points were reflected in the Uber app. I reached out to Barclay and Uber but both have been unable to resolve this issue. Two supervisors at Barclay have understood my concern and XXXX gave me a courtesy credit of {$200.00} while acknowledging that there were other customers with the same problem. Uber support responded with arbitrary prepared messages unrelated to my issue, despite reaching out multiple times between XXXX and XXXX, XXXX. Ultimately, I consider Barclay responsible for this because I entered into an agreement with Barclay and expect to deal with Barclay for resolution of the issue. For reference, I'm including some dates associated with Barclay communications. XXXX, contacted Barclay, case XXXX closed without explanation. XXXX, contacted Barclay, case XXXX closed without explanation. XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understood my issue, found other cases of customers experiencing the same problem, and gave me {$200.00} statement credit as a courtesy due to the ongoing trouble. XXXX, contacted Barclay, talked to XXXX ( same manager ), no change in status. XXXX, contacted Barclay, talked to XXXX ( employee id LASMMO ). XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understands issue. XXXX, contacted Barclay, told to contact Uber directly, XXXX XXXX XXXX, help@uber.com ... of course, as before, responses from Uber were not related to my issue at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Earlier this year my wallet was stolen from my golf bag and several ATM withdrawls were made. Despite my furnishing police reports and repeatedly explaining that these charges were fraudulent I was told that because I personalize my PIN number that it was declined as fraud. Since then my FICO score has plummeted due to this misunderstanding. Please help me with Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/2016, {$4700.00}. This account was a paid account and is reporting charged off when in fact that it shouldn't be. It was a paid in full account. I requested it be corrected and haven't received a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Subject : Credit Limit Decrease without Proper Notification on Statement Date, Suspected illegal use of Covid Relief Data for CLD. Hi, I have been a Barclay Card Account holder for last 10+ years. I have never made a late payment or went into collection with Barclays or any other financial institution. I have a clean credit history. I do hold some revolving balances and have been paying down over the last year or so. I have payed down more than 35 % of my outstanding balance across all of my financial institutions. I carry around {$3700.00} balance on my Barclaycard which used to have a credit line of {$11000.00}. I did enroll into Barclay 's payment relief program during the Covid period, but continued to make payments. The program ended in XXXX. I got an alert on my email saying that my usage is near my line on XX/XX/XXXX. I logged in to see, Barclays did a Credit Line decrease on my account on the Statement Date to {$3900.00}, without giving me proper notice period or sending me a secure message or Email. I did not get a chance to pay down my balance knowing this. Since the CLD was done on statement date, Credit Bureaus have received report of 97 % utilization on my Barclay Card. This is causing my score to go down and could further cause other issuer 's to lower my limit on my other cards. This is putting me into a lot of stress and financial difficulties. What Barclays did was 'Balance Chasing ' which was popular in the XXXX time. I did not know this was still being done. In addition to this, I suspect Barclays could have illegally used the data on my enrollment in Covid relief to do this Credit Line Decrease. I reside in XXXX, near Barclays offices. I have tried to call customer service numbers multiple times, they could not get me to lodge a complaint with Executive Office. They would not also tell me the reason for CLD. I would request CFPB to look into Barclays CLD practices. Please reach out to me in case any additional documentation is required. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent a secure message though THEIR system telling them to close a dormant account. SEVEN months later, I check my credit report, as I THOUGHT I was going to buy a new car, and there is a collections against me for Barclays XXXX FRONTIER AIRLINES ANNUAL FEE of {$69.00}. No communication from XXXX, just SURPRISE - here 's a ding to your credit report for not paying the fee for a card that you cancelled 7 months ago! Trying to get someone in customer service to fix their mistake is worse than trying to get XXXX to fix your bill if you can imagine! Barclays ' customer service tactics must have been from XXXX 's school of " Why Are You Bothering Me? ". XXXX from customer service told me that it will take up to two months just to remove the annual fee and that the dispute with the credit reporting agencies is out of her control. XXXX from dispute resolution told me it would take 7-10 days for Barclays to inform the credit agencies and that I would have to call them myself to ensure their mistake was fixed. Nobody even apologized for their mistake, in fact they insinuated that it was my fault for not following up to ensure they closed the account as I directed. If I could attach the screenshot of the secure messaging record anyone could clearly see they dropped the ball.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I live in Florida and because of the pandemic I lost 30 % + of my income starting in XXXX when the Stay at Home order was enforced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
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: On XX/XX/20 I received an automated phone message from XXXX Support stating my XXXX XXXX account had been blocked because of a breach on the account. Press 1 to speak to a support technician. I followed the prompt and was put on a brief hold and transferred to a man who identified himself as XXXX XXXX. I explained the reason for the call and he said he could fix the problem. He did a remote diagnostic on my computer and showed me the results which showed 83 breach attempts from different locations. He explained it was above his paygrade and needed to bring in the big guns, so he transferred me to XXXX, who said don't worry we can fix this. However with the covid 19 thing going on I can't send you to the XXXX store to fix this, because they are closed. You need to buy a XXXX Gold gift card and we will use that to remove the breaches. Don't worry, this won't cost you a dime, as soon as the breach is removed the money will be refunded to the card used for the purchase. The first purchase was for {$500.00} and as soon as I gave the numbers to him I received a Refund Receipt from XXXX in my email. The attempt removed 10 breaches and he instructed me to purchase 4 more cards which I did because I read the receipt from XXXX which explains the money will be refunded. I purchased 4 cards at XXXX for {$2000.00} and received the refund receipt from XXXX. They removed 40 breaches, so we needed 4 more, I went to XXXX and when I tried to use my credit card it was flagged as possible fraud so I responded using my phone and cleared the warning. I bought 2 of the cards for {$1000.00} and then made a second purchase for the next 2 but the fraud alert came up again. This time it had to be cleared by talking to a person at the card company. My wife had to make the call because it was her card, so while I was waiting I gave XXXX the numbers for the cards I had purchased, and got a receipt again from XXXX for the {$1000.00}. My wife called me back along with the representative from BarclayCard Company to tell me the call I was on wasn't really XXXX and I was being fooled and not to do anything more with them. I argued that it was XXXX and explained what we were doing and the receipts, but he convinced me to hang up with them and call XXXX back on a number published by XXXX. I ended the calls and called XXXX to find it wasn't them I had been dealing with. I filed a police report and called to file disputes with both credit card company and my bank for the debit card {$500.00} purchase. I sent a letter to each one to explain how this happened and copies of the police report and copies of each of the XXXX Refund Receipts. My bank found in my favor and refunded money. XXXX XXXX is still investigating my case. BarclayCard has denied my dispute saying I need to take the dispute to XXXX. I called my case manager at BarclayCard to explain that XXXX wasn't involved it was a fraudulent call, and they are the ones that told me it was fraud! But they say they have done all they can and I have to talk to XXXX. I asked how they can come to that conclusion when my bank had come to a different conclusion. They didn't have an answer for that. Can you help me make my case with BarclayCard Company?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92083
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
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: Description of the charge sent to the credit card bank : I book a guide tour on XX/XX/2020 for my trip that will be on XX/XX/2020. Why I book a guide tour 6 months before my trip? Because XXXX XXXX offered me one Early Booking price with free cancelation 100 % refundable if I canceled 30 days before my trip. Thats what the publicity said in XXXX and also when they send to me an Online secure payment link to make a payment It was clear in their link that was 100 % refundable if I cancel 30 days before the scheduled trip. This supposed to be my # 4th trip to XXXX so I would never book something that early in time if I wasnt sure they have a refundable policy free of charge. What I didnt know is that this people were experts in scam thats why when I printed my confirmation papers nowhere was on writing the cancelation policy but in the link for payment it was a big announce that make me comfortable to make a payment with their 100 % cancelation. As you can see in my confirmation papers nowhere appear anything about cancelation policy and now I know why they did not include the policy because now I do not have anything printed and they just changed their link. I think many people like me with the pandemic canceled their trip not because they wanted but because the pandemic and now they just change their policy in their website saying it is not refundable but in XXXX it was. I did not take a picture or something else as a proof because I never thought they will do this scam. I should be granted the refund because my purchase was refundable at that time I booked, otherwise I would never paid for a guide tour 6 months before if I can get a guide tour one or two days in advance or even the same day. they could change their policy now so they can steal from their customers or have made two policies one for new customers and one to show to banks or people who is requesting the refund. I booked with them because I was assured that if anything changes in my plans it would be easy to cancel Thats why I decided to book this guide tour. As a proof of what I am saying is truth I am sending copy of the emails I exchange with the agency when I contacted them to request the refund. To be easy for you to understand the sequence I Put a number 1 thought 10 so you can see the sequence of our email communication. As you can see on email # 5 on XX/XX/XXXX I am taking about the cancellation policy before I knew it was a cancelation 100 % refundable in my favor when I booked with them on XXXX. When they answer my emails they never told me it was not refundable because they knew it was not true. Evre tour company only gave the non-refundable excuse to the credit card company to have a justification for robbing me but what they said is not true and my bank should try to protect its customers from these unscrupulous XXXX scam companies. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A