Date Received: 2020-09-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I took advantage of a balance transfer offer with Barclay 's bank credit card. Shortly after requesting the transfer I noticed one of the receiving bank 's account number was wrong. I requested they stop or reverse the transaction, or make the transfer to the correct account number. It took a week to get someone on the phone to report the issue, although I used their " secure message center '' that seems to provide only canned responses. They continually said it would be escalated to the correct department with a resolution, first in 1 week, then it would be 2 weeks, then it would be a month. After 2 weeks, though, they tried to close the complaint and said it could not be re-opened, but would have to file a new complaint. After following up, they advised the matter was closed! It then was re-opened only this time for yet another 30 days. Within this interim and after more than a month, Barclay 's agreed to temporarily credit the account during investigation. They were uncooperative and seemed to want to wash their hands of what they consider a completed transaction. After almost 3 months and no resolution, I contacted the Delaware Banking Commissioner ( DBC ). The result was Barclay 's contact the other credit card bank to verify the transfer. Barclay 's was told by the receiving bank that the account number was " a '' valid account, but did not verify it wasn't mine ( so now someone else has had a transfer credit to their card with my funds ). The DBC shared with me their reply, provided me with the transaction numbers used for Barclay 's transfer to the other bank. I also was told that I should give this to the receiving bank so they can located the funds. Barclay 's again, washed their hands of the issue, posted the funds back to my account lowering my available credit, increasing what I owe and finance charges, and now reports to the credit bureau an incorrect usage of my card that has a negative affect to my credit score. Upon contacting the other bank, the other bank could not find any transaction of this amount on or about the respective dates, but they said they would look into it. Next, a series of requests from the other bank ( XXXX, where I have 3 accounts and best they verified was none of my accounts received the funds ) for more information from me including the erroneous account number that I do not have nor could obtain from Barclay 's, and proof of payment by Barclay 's that they won't supply. I am at a loss. Further details with conversation logs are in my attachment. Over the years, I was licensed under various state Department of Financial Regulations and have never seen something so incompetent or treated with such disinterest and lack of customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/31 I went to XXXX to book a flight. Upon checkout, an offer for a XXXX visa rewards card was presented, offering a {$100.00} rebate if X amount was spent in X amount of days. After applying XXXX hard credit inquiry XXXX, I was not provided any information about my account. I didn't receive a confirmation email until nearly 8 hours later. At this point I didn't book my flight because I didn't have the travel reward card info. So the next day I called Barclay Bank and asked if they could give me my info so I could purchase my flight, and i was told they didn't have access to my account number and I needed to wait until I got the card in the mail ( 5-7 business days ). I was told that if I paid with a credit card, then the transaction could be moved from my current card to the XXXX reward card WITH NO BALANCE TRANSFER FEE. So I book the flight on my personal card. Fast forward to me getting my physical card, I call Barclay 's and ask for the transfer. The lady then tells me that there wouldn't be a transfer fee .... UNTIL XXXX XXXX this is a disgusting bait and switch tactic that put a hard inquiry on my credit report. I was transferred to customer service of both Barclay 's and XXXX, and each told me the other could do the transfer. As far as I know, there is no possible way for someone to apply for the rewards card at checkout AND USE IT THE SAME DAY to get the rewards. I want thia account closed but I do not want all the negative effects on my credit report. Absolutely asinine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was booking a trip on XXXXXXXX on XX/XX/2020 and saw a banner advertisement for a XXXX XXXX Mastercard through Barclays, offering XXXX reward points, {$100.00} credit, and 0 % apr for the first year. When I clicked on the advertisement, it took me directly to the application page for the card, I went off what I saw on the banner as there was no landing page describing the terms of the card. The main reason I wanted to get the card was because of the 0 % apr for a year. I used the card to book the trip, received the XXXX reward points, and {$100.00} credit. For my first bill, to my surprise there is an interest fee, which I called Barclays about, and they waived it. They told me to check the terms of the card, which I saved the copy that was mailed, and in it, it states that I have 0 % interest for 12 billing cycles for balance transfers. I asked them, why would I get a card for a trip that I'm booking for a balance transfer? That makes no sense. When I signed up for the card the banner advertisement said 0 % apr, which I thought was for purchases, I had no concerns or needs for a balance transfer when I'm booking a trip. They now have a landing page for the XXXX card that states the 0 % is only for balance transfers. This was not there at the time I signed up for the card. The banner advertisement I used to decide to sign up for the card was totally misleading as it did not state the 0 % apr was only for balance transfers, and that is why I am filing this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I joined a Debt Solutions company XXXX XXXX XXXX on XX/XX/XXXX - I added all my creditors to this company including Barclays card ending in XXXX the amount of {$9300.00}. On XX/XX/XXXX XXXX and XXXX XXXX, XXXX. Debt Collectors took over the Barclays Bank Delaware account. This was taking over by debt collectors from XXXX XXXX XXXX XXXX XXXX took over this account on XX/XX/XXXX and the account number was switch to account number ending XXXX and the amount of {$9300.00}. The agree settlement amount was agree to {$4300.00} and last payment was paid in full on XX/XX/XXXX. I finished with my debt solution company was called XXXX XXXX XXXX now XXXX XXXX XXXX to settle and pay off all my creditors on XX/XX/XXXX. Barclays Bank Delaware is claiming I still owe them over {$9000.00} and that they were never paid anything from the debt collectors that over this account and even cause the account number to switch in the end. This is causing a negative effect on my credit score from an account that was settled and paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
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: In XX/XX/XXXX I began disputing charges using Barclays Arrival mobile application as I was unable to reach a company representative by phone and put a HOLD on the card. XX/XX/XXXX contacted Barclays using their secure message system, disputing new charges from XXXX XXXX XXXX. Received a reply at XXXX ( attached ) requesting that I call them and that they had placed a " hold '' on the account until they hear from me. XX/XX/XXXX mailed a letter to Barclaycard Arrival XXXX XXXX XXXX XXXX DE XXXX disputing all charges from XXXX XXXX XXXX and requesting the account closed. I was able to talk to a representative after receiving the XXXX statement which included charges from XXXX XXXX XXXX posted to the account after it had been placed on hold. The representative did close the account as I requested but failed to follow up on the fraudulent transactions posted on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
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 I was charged {$27.00} for a returned check fee on my closed credit card account. They explained that they had sent me blank checks and someone had tried to cash one. I explained that I had received no checks and I certainly didnt try to cash one.I called after receiving the statement and spoke with XXXX ID # XXXX. He said someone would call or email and they didnt. I called again XX/XX/XXXX. Spoke with XXXX. I sent a written response following the statement instructions. Called XXXX. They removed an Additional late charge of {$27.00}. Said the {$27.00} was being investigated. Now I received a statement saying I owe {$56.00}. This is for Barclays XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclay Complaint XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, I clicked on a 0 % APR offer from XX/XX/XXXX - XX/XX/XXXX. I took a screenshot of me clicking on the offer. On XX/XX/XXXX, I called Barclay customer service to make sure I was enrolled in the offer. The representative told me that I was not enrolled but she could verify that I was on the website at the date and time that I said I was on. She said she created a case number # XXXX. When I called back on XX/XX/XXXX, I was told that a decision had not been made as to whether the Company would honor the offer or not. I was also told by a manager that the case number mentioned before was submitted incorrectly. I just wanted to cancel the card after all this. The manager I spoke with on XX/XX/XXXX assured me that she would make sure I get 0 % from XX/XX/XXXX TO THE DATE THAT A DECISION WAS MADE TO HONOR. She told me she would make sure I got 0 % until somebody decided yes or no. Fast forward to XX/XX/XXXX when I call again to check the status. The customer service rep told me a decision of NO was made on XX/XX/XXXX. I never received a notification of this and then was transferred to a manager who confirmed that there is nothing showing that I was notified. I then asked him if it showed that the manager on XX/XX/XXXX told me that I would get 0 % until I was notified. He did confirm he saw that note but proceeded to tell me that he isnt sure if Barclay can actually honor that. He told me he would waive the interest for the bill due XX/XX/XXXX. But then what? I was ready to cancel my card on XX/XX/XXXX but kept it since I was assured, I would have the 0 % until a decision was made and I was notified. At an unprecedented time when people are suffering financially, other companies are providing help and giving appreciation credits. See the screenshot attached. Barclay decided to lie to me, get me to spend money based on false promises and now I am a newly single mother of XXXX XXXX and have to deal with the immense stress this has caused me. No Company should be allowed to lie and then pull a bait and switch move like this especially at a time like this. Barclays actions are disgusting and so very unethical. I hope this can reach somebody that can look into this matter as the customer service I have received has been dreadful. The new case number for this is now : XXXX. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bur eau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12205
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
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: BARCLAYS BANK DELAWARE XXXX XXXX and XX/XX/2020 I was late due to COVID. I was laid off and had no income. I have since cleared this up and paid the balance off. Can they extend a curiosity and please remove the two 30 days late to current? Thank You XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had a Barclays XXXX Credit Card ending in ... ... I used this card to get credit for my maintenance fees with XXXX XXXX. This is the only credit card that will work with XXXX. I always paid my balance in full each month. I never had a problem with my payments. I made one payment on my card with a check that I was told was ok. The account had sufficient funds but did not allow my payment to be credited to Barclays. Barclay abruptly closed my card, demanded payment in full from another account of mine, including extra charges, all of which were timely paid. Barclays kept denying me use of my card or any other Barclay or XXXX credit card. Barclays will not even talk with me about it. I'm given the run around but no answers each time I call. This unlawful action has caused me credit problems over the last 25 months.. Again I always paid timely and never had a previous problem. XXXX, because of their agreement with Barclays, will not allow me to get my annual credits for my maintenance fees. It is costing me over {$1000.00} a year extra because of Barclays unwarranted action. This unlawful event took place in XXXX and XXXX of XX/XX/XXXX. The amount of money was {$7000.00} which I paid in full. My loss with XXXX has been over {$3000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A