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: In XX/XX/XXXX I purchased a couple laptops from the XXXX XXXX. I was encouraged to apply for the XXXX Rewards Visa card issued by Barclays Bank. I was told that for the next 18 months there would be ZERO interest. After the 18 months, I figured they would start charging normal credit card interest rates. Over the 18 months, I NEVER missed a payment. Some months I even paid early. At the end of XX/XX/XXXX, I noticed that, on a balance of {$2500.00}, Barclays was charging me $ 1100+ in back interest. To make matters worse the were reporting to the credit bureaus that I was 60 days past due even though the payment I made in XXXX was for the XXXX payment. I have reached out to them on several occasions to remedy the situation with no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had fraud on my XXXX card from Barclays bank. The total was close to XXXX dollars. There were 82 separate charges from XXXX XXXX on my card on XX/XX/XXXX alone. Barclays did not find this to be unusual for some reason so they never alerted me nor protected me from this fraud, since I never authorized any of these charges. Barclays initially credited me back XXXX Dollars, but another XXXX, XXXX came in on the replacement card they sent me ; a card I never activated. I alerted Barclays fraud department ( XXXX ) to this continuing fraud and they advised me that they would credit me back the new account. Then things got strange. I received two letter from Barclays dated XXXX the XXXX. One said that I was not responsible for the fraud, therefore I would be credited the entire amount, the other said I was responsible. I contacted their fraud department multiple times, and they advised me To get a hold of XXXX, because they could not, in order to have XXXX prove it was fraud. ( XXXX has no live person you can speak to ). Match tuned to XXXX, fraud Agent XXXX told me that all XXXX XXXX charges would be removed. They were not. Fraud agent XXXX Told me the same thing at the end of XXXX. Nothing. I closed the Barclays account, my XXXX XXXX account and my XXXX account, where I lost all of my XXXX travel points, as they were my favorite airline. Fraud agent XXXX told me The case was still under investigation. Meanwhile, every month my bill comes in with the fraud on it accruing interest. They demand payment every month and refuse to help me. The number is close to XXXX XXXX dollars. It is almost XXXX. I contacted Barclays corporate and they refer me to their fraud dept. the Fraud department now doesnt answer because they are supposedly too busy. I filed a complaint with the Florida Attorney General yesterday. To add insult to injury Barclays declared my account past due, which made my credit score drop 40 points. I had no choice but to send them XXXX dollars this week. Earlier this month the same thing started happening to my XXXX XXXX card but their security immediately contacted me and were able to stop it after 10 fraudulent XXXX XXXX purchases. I had no choice but to close that account out of fear. Barclays corporate will not help and they are sending me a fraudulent bill every month. They did not protect my identity and now have negatively impacted my credit. Its been 7 months and I need help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I tried several times to call them, write them letters stating that account was open without my knowlegde provided policy report and followed identity theft recovery steps. They reported me to collection department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I applied for a Barclayus credit card on XX/XX/2020 in order to purchase ( online, due to Covid ) an XXXX XXXX, XXXX XXXX and XXXX XXXX for work. Total dollar amount of the order was {$1000.00}. The order was placed on XX/XX/2020 and shipped on various dates/locations due to stocking locations and other limitations ( covid related, surely ). XXXX has a deal in place to receive interest free financing on items purchased, contingent on the dollar amount purchased. The financing on the Barclay terms were for 18 month interest free financing for amounts over {$990.00}. Now, Barclay is indicating I have a part of my purchases whereby the interest free portion is expiring in XXXX ( 6 months from the date of a few of the items ). I spoke to XXXX, the manager at Barclayus.com today and he indicated that because the items were shipped on different days, the terms for each shipment impacted the financing. However, the attached contract terms ( printed on the day I applied for the card ) indicated otherwise : that all orders " made within the first 30 days '' are eligible for the terms. Barclay is saying this is the fault of XXXX : it is clearly not as the Barclay terms outline clearly what should happen. This appears to be a case of bait and switch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94598
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have an account with Barclays Bank. I was on a balance transfer promotion with 0 % APR. Under the promotion, Barclays would quote the amount that needed to be paid each period to avoid paying interest. For every monthly statement period while under this promotion, I paid at least the amount quoted that would prevent me being charged interest. On my statement ending in XXXX, I was instructed to pay the amount of {$3700.00} to avoid paying interest. This amounted to the full statement balance. I did so by the due date. Despite this, I was assessed interest on the arbitrary amount of {$2700.00} at my purchase rate. I reached out by secure message online to Barclays to have this explained. They claimed that residual interest is assessed when attempting to pay off a balance transfer in full. This would appear to contradict what is written on their statement as the amount required to be paid each month to avoid interest. Further follow up messages from me to Barclays were ignored and not responded to. As such, I am reaching out to the CFPB for assistance as I believe that either a mistake was made by Barclays that should be rectified, or that deceptive conduct has been engaged in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclays Credit card. Now that I have paid my balance off I make payments right away for any charges. Since I've begun to do that they have put a hold on my payments to make sure they " can clear '' from the bank instead of applying them immediately as they always have in the past. It makes no sense at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I realize that I have not went to Barclays to resolve this issue. But there is a reason for not contacting them. It is a waste of time. I have had to contact Barclays in the past on a few issue and every time I simply get a copy and paste canned answer that doesn't even answer the question. I try to allow them to give better answers and to understand the issue but it doesn't help. It's a complete waste of time to use the secure message center. For that reason, and for my protection, it seems that using the CFPB get better results. I purchased XXXX XXXX Season tickets this year. I made payments and everything against my card. That part is all good. The XXXX XXXX gave me the option to opt out of my season tickets because of the virus. I exercised this option. The XXXX XXXX recently refunded my account by the same means that I made the payment ( i.e. Barclays ). Because I had been making payments, I now have a credit balance on my account. The refund was for the transactions made on XX/XX/2020 and XX/XX/2020. I simply want the money either deposited into the account that I use to make payments or a refund check sent to me. Now, I understand that I already redeemed the rewards that were associated with these transactions. For that reason I have a negitive rewards balance of XXXX ( or {$140.00} ). My account has a credit balance of XXXX. Barclays can reduce the money owed to me by the rewards amount of {$140.00} and refund me ( either deposit into my account or a refund check ) for the amount of {$2900.00} ( {$3000.00} - {$140.00} = {$2900.00} ). We are in times where money is critical to individuals to people because of the virus. I do not want my money sitting as a balance on my credit card when it can be put to critical uses during these trying times. This should be a simple issue to address and I've already laid out the solution.I wish that I didn't have to you this way to resolve issues with Barclays and that secure message center with the company actually worked how it should. But due to past interactions with the customer service, this is the best way to proceed for both parties. Thanks for understanding. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I have more then one law firm contacting me for the same credit card, i have ended by paying two law firms for the same card i have cleared check numbers from bank statements for XXXX XXXX XXXX XXXX ( payments of XXXX ) along with signed documentation for payments with cleared debits from my bank account with a letter that states the debt was paid in full to the XXXX XXXX XXXX XXXX XXXX for the law firm of XXXX XXXX XXXX ( payments of {$130.00} twice a month ) All three law firms have the same information about this account. Account number XXXX & the creditor being barclayXXXX XXXX ( XXXX ) The third law firm XXXX XXXX has taken me to court three times first court day of XX/XX/2020. Which was the date of my finally payment to XXXX XXXX for the agreed amount of {$440.00}, the paid in full letter has case number & account number. All three Law Firms were & still are belittling, aggressive & demanding to a point of not knowing what to do ... ..The only reasoning i have for paying two Firms at the same time for the same card and the reason i will not pay the third! My personal information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX il XXXX XXXX law firms in the fight of charged off debt XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I saw a credit card with XXXX balance on my credit report and I didnt apply for a card with this bank and I called and told them about it and the card and statements were send to a vacant adddress and I told them about it and they told me in order for them remove the charge then I have to send in my bank statements but I dont have a bank accounts in my name and I live with my parents and my mom takes care of me ... and I didnt apply for this credit card and Im keep getting calls from debts collectors and I explain this is not my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I found this Barclay account on my credit report and it is showing I'm delinquent on it. I was an authorized user on this account and by law an authorized user is not responsible for the debt. I contacted Barclay to have my name removed and they refused. They said they sold the debt and there is nothing they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55318
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A