Date Received: 2020-09-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: THE CARD WAS CLOSED IN XXXX WITH BALANCE CREDIT IN FULL AND THE CARD IS STILL CHARGING FEES IN XXXX. THERE WAS A DISPUTE WITH THE MERCHANT THAT WAS CREDIT IN FULL IN XXXX. THIS CARD SHOULD NOT STILL BE CHARGING FEES. THE CARD WAS CLOSED IN XXXX. THIS IS RUINING MY CREDIT AND IS NOT FAIR PRACTICE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27253
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had an XXXX XXXX XXXX XXXX CARD issued thru BARCLAYS. IT EXPIRED IN XX/XX/2020. BARCLAYS NEVER ISSUED A REPLACEMENT CARD. CALLED BARCLAYS THE REPRESENTATIVE SAID BARCLAYS CLOSED MY ACCOUNT WITH NO EXPLANATION. I HAVE A XXXX BALANCE ON MY CARD AND THE TELEPHONE REP GAVE NO EXPLANATION AND THE REP TOLD ME THAT BARCLAYS WAS GOING TO SEND ME A LETTER WHICH I HAVE NOT RECEIVED. I THOUGHT THAT DURING THE PANDEMIC THAT CREDIT CARD COMPANIES CAN NOT UNILATERALY TAKE SUCH ACTION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: During the Pandemic I called Barclays and enrolled in the covid-19 relief program. I have two notices from them saying I was enrolled and XXXX saying my XXXX was extended for XXXX months on XX/XX/XXXX stating I did not have to pay for XXXX billing cycles. Despite this, Barclays reported to the Credit Bureaus a late payment in XXXX when I was clearly led to believe no payment needed to be made. This has significantly damaged my credit report and damaged my ability to get credit for my XXXX including government relief programs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is reference to complaint XXXX. It was never resolved. I have proof that the payment was sent on time. Barclay company claims otherwise, and wishes to keep the fee they charged me. On your site ( consumerfinance.gov ) it states the following : That depending on what YOU find, you can also do this : Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office. Since you failed to do anything about this matter, who do I contact next or who can you forward this to? Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53095
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: When I submitted a complaint To your agency regarding Barclays, as part of the bank 's response, I was uploaded someone else 's credit file. Yes, using this site, Barclays shared with me someone else 's credit file. I tried to call Barclays and only got a voicemail that did not allow me to leave a message. So, now I am wondering if this person 's credit info now a part of my file? How secure are our credit files? Has Barclay 's mixed my file into someone else 's? Simply look on your site, and you will find the file of XXXX XXXX and a letter written to XXXX XXXX uploaded to me. I am not XXXX XXXX. What a mess and invasion of privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hello, Im writing in regards to my disagreement with XXXX XXXX and Barclaycard. In late XXXX Barclaycard announced that it would be dropping its maximum EQD ( Elite Qualifiying Dollars ) from XXXX per year to XXXX per year ( after XXXX spend ) for its consumer aviator mastercard. At that time I was notified by both XXXX XXXX XXXX XXXX and Barclays personal and business cards customer service, that if I open a business aviator card with Barclycard I would be entitled to XXXX EQDs after a $ XXXX spend and could combine the maximum XXXX EQDs for each card to total XXXX EQDs for the XX/XX/XXXX year. I applied and was approved for the business aviator card late XXXX. In XXXX I continued my spend as promised and by XXXX I had met the requirements on the personal aviator and XXXX XXXX had been transferred. On the business card I have met my spend by XXXX and they sent a letter to XXXX to notify them of my requirement. I never received the XXXX EQDs from the barclays business aviator card, which was the sole purpose of opening the card in the first place. I was assured throughout XXXX by both XXXX and Barclays that I would be receiving EQDs from both cards. Because they did not post the last XXXX EQDs. I missed out on Executive Platinum Status which is the top tier status. In XXXX I continued to follow up with Barclays and XXXX as they kept putting the blame on each other. XXXX said that it was in Barclays hands and Barclays said that it was in XXXX hands. No one was of help and although several XXXX customer service agents sympathised with me and said they would escalate the issue no one executive from the program reached out personally as I had requested. I got boilerplate emails saying that I didnt meet the qualifications but in fact I had met the qualifications and fulfilled my duties of credit card spend and flights. XXXX also stated on their website sometime in XXXX they changed their rule so that you can only earn a maximum of XXXX EQDs across all of their branded cards. This was not the case when I applied for my aviator business card nor was I given any notice of this change via email or post. At the time of my application and discussions with XXXX and Barclaycard at the end of XXXX I was assured that I would receive XXXX EQDs from each card for a total of XXXX EQDs for XXXX and this was confirmed to me throughout the year ( XXXX XXXX as well. I fulfilled my obligation. As a single parent with a XXXX year old XXXX Im quite busy at the moment taking care of so it has been a challenge to find time to sit down an write a comprehensive email. I hope that this issue can be resolved and my Executive Platinum Status and benefits issued and reinstated as rightfully earned. Most recently Barclays Business Aviator customer service waived the annual fee in order to get this issue resolved and then a supervisor stated that if I close the account I would get my original annual fee refunded from when I opened the card. Recently when calling customer service they continued to give grief and state they would refund the money and then the backtracked. When asking them about call logs from my interactions with customer service Barclays stated they have no records of customer logs. It has been a very stressful and unsatisfactory situation dealing with both XXXX and Barclaycard and their ultimate form of misleading customers in order to obtain business. I should be compensated for the amount of money I have had to spend on their cards to achieve status that I was promised but never received. I thank you for your time and understanding in this matter and look forward to speaking or hearing from you. Best wishes and stay safe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
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: On XX/XX/XXXX ( pre COVID 19 ) I charged a gym membership to my Barclay 's issued UBER Visa card in the amount of {$500.00} for a two-year membership. I was renewing my membership for the third time since I became a member there. Then in Illinois, we were shutdown in the month of XXXX which included gyms. At the end of XX/XX/XXXX gyms were permitted to re-open with restrictions. The gym where the membership was for did not re-open yet, which was not uncommon in many cities. So I waited a couple of weeks, and people were posting on social media that the gym was going to reopen in XXXX. I tried calling the facility multiple times, sent them an email to their general mailbox, and also posted a few times on their social media page to inquire when they would re-open. I waited because who would have known with the current environment we live in that they still might not open. So at the end of XXXX, I wrote a letter to Barclay 's to dispute my charge of {$500.00} because I saw that equipment was being removed from the gym location, indicating to me that they were not reopening. On XX/XX/XXXX and XX/XX/XXXX I got letters from Barclay 's stating that my dispute was assigned to a specialist. On XXXX I received a letter stating that my dispute was being rejected because too much time had passed between when the charge occurred and when I disputed it. The only reason why there was so much time between the two events was because of COVID lockdown, not because I was just procrastinating disputing it. The rejection was only because of the general rules that do not take into account what we are currently facing in today 's environment. The charge was for a two year membership, not a one time purchase, and the fact that Barclay 's never even reached out to me to discuss the situation indicated to me that they only rejected it because of the time line, and did not even take the time to understand what the charge was for and the events that let up to the dispute. On XXXX I called Barclay 's number on the rejection letter and was told there was not anything the Relationship Manager could do for me but I could write another letter to have my case re-opened but there was no guarantee that it would get resolved either because of the time that has passed between the charge and dispute. It's hard to communicate this information in a letter when it is much easier to explain it over the phone with a simple phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Account was settled in full on XX/XX/2020. Posted on XX/XX/2020. Was told on a recorded line ( I also have the audio recording ) that the trade line on my credit reports from XXXX XXXX would be requested for deletion within 30 days from posted date ( XX/XX/2020 ). Thirty days was XX/XX/2020. Contacted the company on XX/XX/2020 and was told something to the effect of, " I'm not sure why but the system is showing your account was not closed until XX/XX/2020, therefore our tradeline deletion request from your credit report will not be requested until XX/XX/2020 ( 12 days after the agreed upon date ). The customer service representatives attempted to elude my questions and XXXX XXXX ( Executive Operation Manager ) initial refused to transfer me her supervisor despite my multiple request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XXXX, I was alerted by a message in my email from XXXX XXXX, that Barclay 's had reduced my credit limit by almost the exact amount I made a payment. There was no prior notice that this action would be taken. This card had a high balance because it was applied for on a XXXX XXXX, and the cost of the cruise was automatically applied to the card. The card had been consistently paid. In an effort to raise my credit score, this summer, I began to make several large payments to to the card. I thought this would positively raise my score. But, quite the opposite. Barclay 's decided to lower my credit limit, which lowered my credit score. Why was this done? When I called to inquire about the action, I was told there was nothing to be done. A supervisor then informed me that my credit usage ratio was high. Well, I was actively taking action to lower the ratio, but Barclay 's decided to lower my credit limit, which nullified my actions. This action has lowered my credit score through no fault of my own. I am consciously trying to build my credit score, and these banks in response either cut my credit limits by the amounts I pay the card down or they close out the cards. I feel as if this is done purposely to justify higher interest rates. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Barclays decreased my credit limit from XXXX to XXXX for being late one time this year.My credit sore lowered by 44 points, my balance with Barclays was {$660.00} and since my credit limit is XXXX my credit report showed high balance usage. The late payment was due to a mail man mistake and as soon I found out I contacted Barclays and they responded by lowering my credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A