Date Received: 2020-09-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I sent a check to XXXX XXXX XXXX XXXX to pay off my XXXX balance. The check arrived 3 days late. It was due XX/XX/2020 and arrived XX/XX/2020. I have been with this company for several years, and this is the first time that I have ever been late with my payment. I was charged {$29.00} for a late fee and {$11.00} interest. My complaint is not about the {$29.00} late fee. My check was late. My complaint is being charged {$11.00} for interest on a balance of around {$700.00} for just three days. This, in my opinion, is usury. I called the company and did not receive an adequate explanation for the extremely high interest rate. In addition to never before sending in a late check, I have always paid off the full balance each month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 584XX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
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 traveling on a transatlantic cruise from XXXX to XXXX, XXXX that was to arrive in XXXX on XX/XX/XXXX. My XXXX year old husband, my XXXX XXXX XXXX brother, and my sister in law were with me. All of us are seniors. On XX/XX/XXXX, we received notice from family members telling us of the travel ban instituted by our President. Originally XXXX was not one of the airport approved for returning citizens however, we did not know that. We quickly started searching for flights to get us safely home and purchased 4 tickets on XXXX which I paid for with my Barclay XXXX XXXX credit card. At the time of the purchase I agreed to include the offered insurance, but XXXX accepted the ticket purchase and then notified me that the insurance had ( conveniently ) been denied. Within minutes I was on ship to shore radio, provided at the kindness of the cruiseline, asking XXXX to cancel the charge. In the chaos of the travel ban, the customer service agents at XXXX were overwhelmed and frankly very uncaring. All I got was we cant help you. I also reached out to them through their message method and got the same thing. I called Barclay and XXXX and got no help from Barclay and no answer of the phone or messages from XXXX. I have worked very hard now for 6 months to get some assistance from my credit card company that claimed when they signed me up to be my advocate. Can you please help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a letter dated XX/XX/XXXX that my account was closed due to my " history of account usage ''. It was one of my oldest credit cards ( since XXXX! ) and I have always used it correctly and paid off the full balance each month. I had called the bank Barclay since then for more than 5x, inquiring the exact reason why they closed my account. But they were not able to give me a personal explanation, other than repeating that same phrase over and over again. When I googled it, I found many cases of account closure were cited with the exact same " reason ''. I'd like to contest the decision, not knowing why exactly my account was closed and not being able to defend myself in case of a gross misunderstanding. It's also a shady practice to choose to close my account at this particular difficult time. What a shame to be their loyal customer for 8 years!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX of this year the company agreed to accept a settlement for the debt owed of {$4000.00} in six installments of {$670.00}. I've made all installment payments but now they have stated they have sold the debt. I've tried to contact their executive customer service but they have not responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Signed up for forbearance, due to covid related job loss. The start date XX/XX/2020 for three months. They started it in XXXX, I paid XXXX payment and XXXX payment now I am behind 2 payments for XXXX and XXXX. I want the forbearance to be for the 3 months that they offered. I spoke to Barclays customer service 4 times for a total of approximately 4.5 hours. The consistent theme is that I have been late on my payments which is false. I have paid 1 month ahead since I obtained this loan. The customer service reps say they can not do anything about this. I have asked to speak with management of Barclays. They refuse to forward me to management. My credit score was XXXX before they reported that I was 2 months late. It is now at XXXX, after this debacle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am trying to use my Barclay Aviator Master Card via XXXX XXXX to transfer money to my fiancee. However, the transfer was declined by XXXX XXXX and they refused to tell me what the issue was. After a lot of digging, it appears that Barclay declined/blocked the transaction and did not tell me about it for several hours. This is an emergency situation and need to get this done asap. i called Barclay and they said that it is standard procedure. I had already told them i was doing this, however it was still blocked. This issue has caused me a loss of 2.5 hours of pay due to having to leave work to get this done, but they don't care. They claim this is a security feature, however it is a huge inconvenience and i have asked repeatedly to intervene. It is NOT a customer security feature, but rather an internal loss prevention geared towards their own benefit which the customer just has to suffer with. any help is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
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 XXXX XX/XX/2020, I bought a plane ticket for my wife for which I paid {$590.00} and a few days later I spoke to XXXX XXXX to cancel the flight since by mistake and realizing I had entered the wrong date. Seeing the refusal of XXXX XXXX to refund my money back to my credit card, I decided to call Barclay 's to dispute the charges. On that day I was attended by a supervisor named XXXX who opened my claim and was super kind to me of the few times that happened to me, since always the representatives who attend me have excuses for everything and do not focus on helping clients. The days passed and the dispute claim continued its course, meanwhile I received the account statement that corresponded from XX/XX/XXXX to XX/XX/XXXX for the amount of {$1300.00} and which I paid in full ( Attached document ) and said transaction from XXXX XXXX for the amount of {$590.00} appeared on said invoice. On XXXX XX/XX/2020 I called XXXX XXXX back to inform them that I wanted to use the credit of {$590.00} to buy a new ticket and pay for the difference, who told me that the difference was {$280.00}. In the account statement from XX/XX/XXXX to XX/XX/XXXX is that transaction of {$280.00} to complete the total of the flight that was {$880.00}. ( Attached document ) In the document issued by XXXX XXXX, it clearly says that *** REMAINING VALUE OF YOUR PREVIOUS TICKET NUMBERS XXXX WAS APPLIED TO THIS PURCHASE ) The next day, that is, XXXX XX/XX/2020, I spoke to XXXX 's around XXXX : XXXX to notify them that I no longer wanted to continue with the dispute process and that they would cancel it because I had already used credit that I had from the previous ticket with XXXX XXXX and paid for the difference for the new ticket. The person who attended me like he didn't understand what I was saying because he couldn't find what to do. The account statement corresponding to the period from XX/XX/XXXX to XX/XX/XXXX was paid in full. ( Attached document ). In the account statement from XX/XX/XXXX to XXXX it was paid in full. In this statement there is a credit for the same original amount that I paid for the initial flight of {$590.00}. It should be said again that I would not have to receive any credit because I have paid each of my bills. ( Attached document ) In the account statement for the period from XX/XX/XXXX to XX/XX/XXXX they charge me the same amount of the flight that I initially bought for the amount of {$590.00} which is not correct. I add here that the last person to speak on behalf of Barclay 's was on Friday XXXX XX/XX/2020, who was called XXXX with identification number XXXX who as always has nothing to say or do. This is not the first time that has happened to me with Barclay 's, a month and a half ago it happened to me identically the same thing that they try to charge me for something that I am not responsible for it. I hope and trust the Consumer Financial Protection Bureau to help me solve this problem. As I always feel that absolutely no one listens or understands from Barclay 's, they do not have the will to solve customer problems. My personal Bank account has been charged and it's showing on each Barclay 's statement also on my Bank statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged an extraordinarily high cash advance fee of {$10.00} on a transaction of about {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Hello, I have XXXX XXXX XXXX from Barclays bank. I filed for dispute with XXXX XXXX transaction for {$140.00}. Case # XXXX in XX/XX/2020. XXXX XXXX subsidy XXXX XXXX sold tickets in XX/XX/2020 with term that allowed 50 % refund for ticket price and 100 % for additional service ( seats and baggage ). They canceled flight in XXXX and I requested refund. Refund was denied base on new term by airline : " refund will be available 60 days after company resume normal operation ''. After that I asked credit card to start dispute base on original term. It must be XXXX Euros. Credit card open dispute and on XX/XX/2020 they send letter that credit could not be issue without supportive documents. I got letter one week later and contact credit card about the way of sending information. Credit card dispute page not providing this option. During my phone conversation with Customer Service, I was told that dispute closed and Dispute department work like " on call service ''. I sent regular mail with documentation for review. It was delivered on XX/XX/2020. On XX/XX/XXXX credit card denied dispute and issue credit. They recommended to resubmit request before XX/XX/2020. This is day of my flight. I called to them on XX/XX/2020 and was told that dispute closed again. Still, no Dispute Department personal available and i have to refile again. None of the letter state that dispute was closed. This is complete fail by credit card to follow their term and condition for dispute, denying service that they have to provide and protect customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I never had a credit card my name was compromised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A