Date Received: 2020-10-07
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 did not process my extension for COVID19/Coronavirus Relief when I spoke to them in XX/XX/2020. On XX/XX/2020, I called Barclays to make a payment and request an extension to the COVID19/Coronavirus Relief which expired in XX/XX/2020. I explained that XXXX XXXX / workload halted when the pandemic hit, and we have not seen any type of increase since the pandemic began. Also, I told them we would struggle to make our payments for the next few months. I was advised by the Barclays representative that I would receive a three-month extension to the COVID19 Relief program ( forbearance ), through XX/XX/2020. The representative ensured me that she signed me up for three more deferred/skipped payment and my next payment would not be due until my XX/XX/2020 statement. I did not receive any statements in the mail for the months of XXXX and XXXX. Also, I noticed a change on my credit report with my Barclays account showing as 30-days past due. Once they reset copies of my statements, I saw that Barclays had charged me late fees AND over the limit fees during the time that my account was supposed to be under Relief. The Barclays website is still showing they are offering COVID19 Relief ( see attached ). I have called Barclays three times since the credit reporting change and they have made no effort to correct their error and uphold to their original promise of extending the Relief. The first time I called was on XX/XX/2020 ; I spoke to XXXX and was told to send in a dispute to the credit bureau. She did waive the late fees for XXXX and XXXX. I received a call from a Manager on XX/XX/2020 and when I explained the issue, she connected me to the collections department. I spoke to XXXX XXXX, he told me I could close the account, but offered no other options. I called back to discuss this matter and spoke to XXXX, she advised that I enter into a debt management program. (!!! ) They are now trying to force me to pay all three months at once, including overlimt fees and other penalty charges. I have tried working with Barclays ; however, they have been unwilling to honor their original promise to extend the Relief and correct my account history and credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: i was a victim of fraud and identity theft. someone had taken my identity and opened up a Barclays credit card under my name and recorded a debt in the amount of {$6400.00}. this account has been closed however i have reached out to Barclays and given them a series of documents including a police report against a specific person proving that it was not me who opened this credit card. Barclays is unwilling to work with me on this and is not giving a thorough investigation.the person who i have a police report has done fraud to other people as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On my Uber Barclay credit card I had a lot of rewards sitting in the rewards center. Specifically {$420.00}. I'll pass over the fact that I'm XXXX about how the rewards were cash back but then they said I could only use them on Uber ... so that's the reason so much money was sitting in the rewards. On XX/XX/2020, somehow, all the rewards were redeemed to an unknown account : all my {$420.00} in rewards were stolen/fraudulently taken. I reached out to Barclay to solve the issue but they said since the money is in the reward section and has already been pulled out by Uber this is a problem I have to solve with Uber. With Uber, they are slow walking the issue and coming to no solutions and even being very rude to my persistence in finding a solution. It's been months and heard about this more official complaint channel so I'm going to give this a try. Uber recently said they would give me the {$420.00} back but they have yet to give it back and won't respond to me in anyway. Won't call back. Keeps closing the chats I create.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
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 write this out to clarify why i am disputing. I dont dispute often at all. i ordered a carpet cleaning on the XXXX asked for ANALYSIS written on the receipt. of what made it dirty. i needed this. i also asked the supervisor for the same info as well. I did not get it. I then called many times week of XXXX with no response. this was needed for legal documentation purposes. i wish 75 credited for the lack of response i got an email with garbage that is useless. and not what i asked for. Had i been told this would be a problem i would not have made the purchase.
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: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Complainant submitted payment to Merchant ( Barclays ) on XX/XX/2020 - several days prior to the due date of XX/XX/XXXX. Merchant failed to post payment until XX/XX/2020, thus putting Complainant into " late payment '' status. Merchant failed to issue account statement for period of XX/XX/2020. Complainant recognized on XX/XX/XXXX - seven days AFTER payment was due - that Merchant had failed to provide statement. Merchant 's failure to timely post Complainant 's payment in XXXX caused Merchant to retroactively charge promotional interest deferral to Complainant. Complainant immediately called Merchant on XX/XX/XXXX to initiate correction. Merchant refused to remove interest, and also notified Complainant that Merchant " has reported the account delinquent to the credit reporting agencies. '' At no time prior to Complainant 's initiation of contact with Merchant on XX/XX/XXXX did Merchant attempt to contact Complainant for any reason. Merchant did NOT issue account statement to Complainant. Merchant did NOT attempt to contact Complainant to inform its intention to report Complainant account as past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I have a matter concerning deceptive practices that I would like your help with. In XXXX of XXXX, I called my existing credit card company and requested to close an account I had with them. The rep that I spoke to said that I would need to speak to a manager to close my account, so after spending 10 minutes with her, going on about why she felt I should not close my account, she transferred me to her manager. This person tried multiple routes to convince me NOT to close my account. I was very set on closing my account since I was streamlining my finances, and wasn't using this account anymore. The manager explained that since I had had the card for a while, closing the account would 'destroy ' my credit history, and that if I kept it open, he would make a note that I didn't intend to use the account, and flag it if there was ANY activity. He assured me there were no fees, and no downside to keeping it open. The point he raised around my credit seemed like a good one, and since he said there was 'no downside ', I decided to keep it open. I made sure any billing that was linked to that account was stopped, fully paid down my existing balance of about {$700.00} dollars, destroyed my card, and thought I was covered. Then, last week, I got a notice from a credit monitoring service I use, saying my credit had dropped over 90 points bc I had a bill in collection, and it was with this credit card. I immediately thought this must be some kind of fraud, so I called the credit card company. On XX/XX/XXXX, I called, and a rep there, XXXX, told me that I was past due on my account bc I had an unpaid annual fee. He said that since I hadn't had any charges on the account, but still had an open account, they had assessed a fee to keep the account open. I explained the situation from a year back, how the rep told me there was 'no downside ' to keeping the account open and didn't disclose that there was any annual fee. I also explained that no one from the company had tried to contact me - not by mail, email, or phone - despite having all my contact information. I had not even been contacted by collections, but had to call in myself to see what was going on. XXXX told me that he couldn't help me, but had submitted my complaint to a manager and I'd hear back within 2 business days with a path to resolving this - 5 business days later, and I still haven't heard anything back from this company. When I tried to close this account in XX/XX/XXXX, the company 's rep deceived me in an attempt to get to me to not close my account. The company never contacted me about the past due annual fee to let me resolve this before it went into collections and tanked my credit, and I have attempted to resolve it with them, but no one has responded to my issue. Please help me resolve this issue. I would like to purchase a home soon, and losing 90 points on my credit is a very serious situation for me. Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In Mid-XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX has been submitting taxes on behalf of my XXXX since 2015 when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my XXXX XXXX to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in XXXX like this person does. I don't even believe I have been to XXXX other than when I was 4 as we were going to XXXX on a family trip. In addition, since 2015, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
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: Multiple attempts to have a fraudulent charge on my card removed. Barclays has been zero help. They do not care. At this point I already have a paper statement from them stating I am not responsible for the charge, dated XXXX and the charge is STILL on my card. This began back on XX/XX/XXXX, I've been trying to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01545
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was offered XXXX bonus points but now I am told it is only XXXX bonus points. It is currently being offered XXXX bonus points and believe this is misleading. This is an unfair and deceptive business practice by the Barclays XXXX credit card. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
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 have filed a complaint already against Barclays, but realized there were many more details I did not include. This is for the Barclays Aviator rewards card. I had a boyfriend named XXXX XXXX who took my credit card and booked travel in my name and in his. I had no knowledge of it. He did it so he could travel on his own at my expense. The booking was also put in my name is so it did not seem suspicious to the bank. I had auto pay set up so I never even looked at the charges and knew nothing about it until several months later. I put all the charges in dispute with Barclays. It was successful but months later many creditors rebilled. Due to the Covid virus all the airlines were demanded to refund the tickets. This was after XX/XX/2020. Barclays would not repopen the disputes as they said it was already disputed. As mentioned the law took affect months after my dispute. I have called the bank on at least 30 occasions. This was to be submitted as FRAUD they would not put it in FRAUD as they said I knew the perpetrator. I called all the airlines and they said they already issued refunds.. Barclays is stating they never got refunds. I have never had so much stress in my life. I had to close down a XXXX line of credit as working with this bank has been the worst experience in my life. Please help me resolve this dispute with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A