Date Received: 2020-09-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX billed factitious and erroneous charges to my Barclays credit card I have been trying to straighten it out with them since XX/XX/2019. XXXX never returned any calls or emails or written correspondence that I will have documented. And Barclays have to ignore me and have been very difficult to fix this terrible problem. I had to hire an attorney for {$3000.00} to fix it. Can never gets back to help me even prior to the pandemic problems. I am very upset as I have perfect credit and do not want it to be tarnished because of Barclays ignoring this horrible situation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34203
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I was about to purchase a ticket through XXXX XXXX when I received an offer that the ticket would be lower if I applied for the XXXX XXXX credit card offered through Barclays. If I was approved the first year annual fee of {$99.00} would be waived, I would receive the lower flight fare, and if I charged a certain amount within 3 months, I would accrue a points for future travel with XXXX XXXX. Despite my stellar credit score greater than 800 for over ten years and rare inquiries, I was denied and paid the full fare for my ticket. XX/XX/XXXX, I received an email that my application had been approved. XX/XX/XXXX, I found that statements to my permanent address for the {$99.00} annual fee and that it was past due. I contacted the customer service number where the representative stated she would 'waive the annual fee this year ' even though that was the terms that I had applied for : waived first year annual fee. Early XXXX, I noticed that my XXXX score on the Barclays website had dropped but did not know why. XX/XX/XXXX, I accessed my credit bureau reports and saw the late payment which caused my XXXX score to drop 100 points was because of Barclays. Not only had they sent a statement for the {$99.00} which was supposed to be waived the first year under the terms of their marketing ploy for a discounted airfare ticket, but they also reported me as being late for a fee I should not have been charged with in the first place. XX/XX/XXXX I sent a message to my Barclays website account and requested that the information be removed from the credit agencies as it was false. XX/XX/XXXX, I received a set of instructions that I needed to contact Barclays FCRA mail address with my dispute. I was also told I needed to provide additional information ( such as phone number which I declined as I wanted exchanges in writing and to protect my privacy and selling of my information ). XX/XX/XXXX dated letter from Barclays ( envelope not dated ) that they have reviewed my dispute and and 'agree to change the information that has been reported '. Although my case was corrected, I am reporting Barclays as they 1. falsely advertised ; 2. incorrectly reported me to the credit bureaus ruining years of hard-earned credit-worthiness ; 3. imposed on my time to track their errors and correct them. I am also writing to alert the CFPB of Barclays practice to protect others that may not have the language, knowledge, or resources to follow all the criteria Barclays requires to correct their errors which would be damaging to other consumers and create increased and false fees and higher interest rates for other consumers. Last, I want to alert CFPB to Barclays marketing ( fishing? ) schemes to defraud consumers by baiting them with fares ( or other incentives ) which they have no intent to follow through on but use as a means of gaining credit card users to obtain their cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a credit card with Barclay. I had auto-payments set up through Barclay to pay the regular minimum. Between billing periods ( I believe XX/XX/XXXX ) l made payments on the card, but for less than the minimum due. On the payment due date, Barclay still drafted for the original minimum, which did not reflect my additional payments. There were insufficient funds to cover the auto-payment. To make matters worse, the online payment system did not reflect that the payment was not made and updated to show the next billing cycle 's minimum payment. Also, I received no notification of the missed payment until I received a 30-day late notification from my credit monitoring service. I immediately paid the amount in arrearsthe minimum due, not the amount that Barclay attempted to draft. I attempted to address the matter with Barclay directly to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently reached out to Barclays Bank mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law Barclays must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ). Section 605B
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted the XXXX XX/XX/XXXX in reference to an account with Barclays. After the XXXX contacted them I got a call from someone in HR 3 weeks later saying they were working on my complaint and someone would address it in a few more days. I called back several times before I reached someone who saw the notes on the account indicating a settlement offer could be initiated. I was told the settlement offer was {$1100.00} and it could be sent overnight to XXXX XXXX XXXX XXXX DE XXXX. I was pre-approved for my mortgage XX/XX/XXXX. I was told this account was still showing an open balance of {$2500.00}. It was never updated to " balance XXXX, settled for less than the full balance. On XX/XX/XXXX, myself, my lender, and the credit department from my lenders office called on a conference call, and was told the payment was received and I owed nothing. Fast forward to Monday XX/XX/XXXX I called Barclays inquiring about why the debt hasnt been updated on my credit report and I was told because I didnt pay the entire balance. I asked the rep to review the notes on the account, which she did. She came back and apologized after seeing the notes, gave me a reference number XXXX and no explanation as to why 3 months have passed and this has not been updated on my XXXX credit report. They acknowledged the payment had been received and I know it was received because it was sent certified mail. I need it DELETED from my credit report at this point. Calling is a hassle because a person will be transferred 3-4 times before getting to the correct department and the problem still will not be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX, i applied fro and received a " XXXX XXXX '' Barclays Mastercard branded by XXXX XXXX. I have a Ietter from Card Services of Barclays Bank Delaware acknowledging receipt of my application dated XX/XX/XXXX. I canceled this account in XXXX. However Barclays subsequently simply changed the account to their own branded account and have been charging me an annual fee of XXXX dollars ( {$39.00} USD ) ever since. This despite the fact that the last physical credit card they sent me carries an expiration date of XX/XX/XXXX printed on the front, remains attached to its issuing paper and has never been activated. BarclaycardUS collected latest annual {$39.00} fee by direct withdrawal from my bank checking joint account on XX/XX/XXXX, according to my bank statement. I never asked for nor applied fro a Barclaycard account except as described above, and believe that this continued abuse represents the same kind of false and unauthorized account creation seen at XXXX XXXX over the last few years. My attempt to pursue this matter directly with BarclaysUS through their website today failed because BarclaysUS does not even recognize my credentials to log on to the site.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have asked 3-4 times for a copy of a rewards letter ( XXXX XXXX ) that was earned. Every time i was told it shouldn't be a problem and another team needs to investigate. Nothing has been done and the XXXX XXXX does expire
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Before going on a trip to XXXX XXXX in XXXX this year, I have received the document from Barclays ( my credit card company ) stating that if I use their credit card for car rental, and decline this portion of coverage, they were going to provide for collision and comprehensive part of auto insurance. I duly did so. Upon returning the vehicle, the leasing company claimed that a part from the roof of the vehicle was missing and charged me {$400.00}. The Barclays has refused to issue credit for this amount. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've reached out to the collection company " XXXX XXXX XXXX '' on XX/XX/XXXX who stated they were unable to receive the original consumer credit contract from creditor ( Barclays ). I've reached out to all three credit bureaus regarding this matter. I've reached out to Barclays to request the original consumer credit contract. According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
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 used my Barclaycard to purchase something online. Immediately, after doing the transaction I knew something was wrong and called them. They told me not to worry that it would not charge my account twice and voiced my concerns that I thought something was wrong. Still they said not to worry. I waited for the product to arrive it never did. I tried to call them multiple times, but due to Covid could not get through. I even tried to dispute on their full website and it would not go through. Finally, I called and got through I explained everything to the representative and she filed a dispute. A month or so later a man from Barclay called me and said they were reversing the refund they had given me. Again I tried to explain to him what happened. I asked for this claim to be reviewed by a supervisor. I was told no that they had confirmation of delivery. I again tried to tell him that this was fraud. And he proceeded to tell me that I needed to be more careful when using my credit card. I told him I was careful and called Barclay immediately to report. The person that called me was named XXXX. I asked XXXX what his last name was, and he told me that he would not disclose his last name. I want my XXXX back. This is not the first time this company has done this to me, and I have had my card with them for many years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A