Date Received: 2020-08-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2020, I contacted the Customer Service at Barclays Bank Delaware, Mastercard XXXX, and I spoke with XXXX Supervisor. Whom I explained that due to the current Covid-19 Pandemic, I will not be traveling and that I have a XXXX XXXX XXXX, and I wanted to change my Credit card back to the non {$99.00} fee, and ask that I not continued to be charged the {$99.00} annual fee for XXXX XXXX XXXX XXXX I was told by that my credit card could not be downgraded and that I would have to pay off my bill, close my account and reapply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Barclays Credit card Company XX/XX/XXXX charge {$3500.00} XX/XX/XXXX Credit {$3500.00} XX/XX/XXXX charge XXXX XX/XX/XXXX. Credit XXXX I disputed these charges to the credit card company as well as wyndam. A compliant was filed and they agreed to credit my account for another {$3500.00} and {$1000.00} for all other payments received. On XX/XX/XXXX I receive the reimbursement. On XX/XX/XXXX they charged back the {$3500.00} and {$1000.00}. They have ruined my credit and refuse to readjust the amounts owed to me. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My problem is with my Barclay 's Mastercard online account. I've not been able to get to that account online for a month. I have spoken with their people ( in the XXXX ) 4 times and been told it would be fixed in 3 days, then a few weeks and then in about 30 days. There's nothing wrong with my account. I'm nowhere near the limit, I always pay more than the minimum on time. They have told me the account is fine - I just can't access it online. That means I can not pay the card on line and I can not check my account ( something I do daily ) for charges and credits. Barclays, or the company handling their website service, is totally unhelpful and I fear I'll never again have access to my account online. This problem began shortly after Barclays sent out millions of emails to cardholders that their credit card balances were near their limit. This was not true and we then received another email noting the " mistake '' made. When I mentioned to one of their employees that I felt they'd been " hacked '', he very forcefully and defensively insisted that they weren't hacked, but had made a mistake. Access to my account onilne is absolutely necessary for me. Please help to get Barclays to address this problem and to correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for Barclays cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55113
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
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 I purchased 4 roundtrip tickets to XXXX XXXX set to leave from XXXX XXXX XX/XX/XXXX from XXXX. Due to my husband being XXXX XXXX military, his command canceled his leave due to the coronavirus end of XXXX early XXXX. I requested a refund, which XXXX said I could either get a credit or partial refund. Over the next few months, I called and was on hold for 2 hours before a rep answered just to tell me he couldn't help me. XXXX said it would take 3 months for the refund. So far, it's been almost 6 months. Not only was travel pretty much shut down during this time due to the coronavirus, I kept getting notifications from XXXX about my flights being canceled, so either way, they should pay me back my {$2700.00}. I knew they weren't going to help me because every reply was a generic, computer generated reply. I contacted Barclay to dispute the charge. The sent me a letter saying that they decided in favor of XXXX, without any explanation or proof. I replied with more documentation that showed that they had promised I would get a refund. Barclay then sends a letter saying that they " can't find a transaction from XXXX ''. I then went online to print out my statement with the XXXX charge, I circled it, and I faxed it back to them AND mailed them the hard copy. This has been over a month, and I have not heard anything back. Barclay has been allowing merchants to take advantage of their customers by not providing the consumer protection they advertise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Found a hard inquiry on my credit report. Called the Barclays Delaware Bank who did the hard inquiry on XX/XX/XXXX and XXXX XXXX to try and dispute the inquiry. Received no response. Wrote a letter of dispute to Barclays on XX/XX/XXXX and received the response on XX/XX/XXXX stating the the inquiry was accurate. I have never applied for a credit card through this company and they are saying I did. When I contacted Barclays on XX/XX/XXXX they said they don't have any records of me ever applying for a credit card. And if I did, the system deletes it after 90 days. The inquiry happened in XXXX. I contacted XXXX the same day and they said I needed to call Barclays and request a letter of deletion to get the inquiry taken off my account. Once I asked for the letter, I was put on hold for several minutes then was disconnected. I called back and asked to speak to a supervisor and they made the statement that I can't let you speak to a supervisor because I don't have an account with the Barclays. I have reported them on XX/XX/XXXX to the XXXX and now I'm reporting them to you. I need someone to give me the answers I seek and help me dispute this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On Tuesday, XX/XX/2020 at XXXX CST, I called the Barclays customer service phone number, ( XXXX ) XXXX. I'd noticed that my current APR is 26.99 % and I asked if there was anything they could do to lower the APR, or if they offered any special programs that would help lower the APR. The customer service representative ( I can not recall her name ) told me that they could not lower the APR and did not offer any other services. I asked if there was a supervisor who could help me ; she told me specifically that it wouldn't matter if I spoke to a supervisor, because Barclays would not allow any adjustments to be made to the APR. Given my financial situation over the years, I've worked with several credit card companies ( XXXX, XXXX, XXXX XXXX XXXXXXXX, and others ) who not only have been willing to lower my APR, but have taken steps beyond my initial request and offered me additional programs and services that could help me reduce the cost of my payments. I find it absurd and, frankly, offensive that Barclays refused to offer any assistance.
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: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2017. Barclays Bank Delaware added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA Barclays Bank Delaware has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A