Date Received: 2020-08-21
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: A charge was made on my Barclays XXXX in XXXX which I disputed. by calling the number on my card. They said they couldnt resolve at that time, to call again during business hours. I did so the following week, they said they would forward my complaint to to the fraud department. I called again, they said they never got the complaint. I called again, was on hold for over 30 minutes, operator came on, call immediately disconnected. Variances of this continued to occur from XXXX to XX/XX/2020. I cancelled my card in protest because I told them I lost trust in their services and are practicing predatory lending as I continued to receive bills with late fee charges. In XXXX I was told I needed to send my statements to the fraud dept. I asked why they couldn't do it, it is their own system. They gave some convoluted response. Information faxed to them three times, each time I call after it is faxed they tell me I have the wrong Fax number. Everytime i am on the phone with them it is a 15-20 minute wait time, then another `5-20 minutes of the same questions and silence about account numbers, and who I need to speak to, but when transferred, call is dropped. I have done everything they have asked, done my due diligence, and they cont to charge me late feels on a XXXX dollar charge I have been disputing for seven months. It has affected my credit score in a negative manner and they have no intention of resolving it and continue to drag it out without even so much as a case number. For XXXX months. Over a XXXX dollar charge. I now have XXXX dollars in late fees and a credit score that has dropped XXXX points because of them. FAX numbers given by their 'customer service ' people include : XXXX also XXXX and XXXX first fax bounced. Called barclays, they said it was the wrong number, given second number which went through. No response for 4 days. Called XXXX, told I had to call back during business hours because the fraud dept was not there. Called again, spent 23 minutes on the phone, given the third number, put on holds intermittently for up to 7 minutes at a time, then disconnected, again. This is affecting my credit rating and judgement by other lenders during a pandemic and it is not okay. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$2300.00} Have no information as I did not authorize this nor have a received anything from this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: Today I noticed two cash advance fee ( {$12.00} and {$10.00} XXXX were posted on my Barclaycard ending in XXXX. I called the bank and they said these were charged due to two recent same-day transactions with XXXX XXXX. However in this XXXX, I called Barclaycard and had a phone representative to lower my cash advance on this card to {$1.00} ( because according to her {$0.00} cash advance can not be setup ), and she confirmed any cash advance transaction over {$1.00} would be automatically declined. So, anyway, in today 's call, the new rep confirmed there was no cash advance limit set up on my account, and they were not able to waive the cash advance fee. I asked to speak to a supervisor, she looked up my account and would only waive the {$10.00} cash advance fee as a courtesy because it was the latest posted ... So my understanding is, back then during my call with the female rep, either she messed up on her side that she did not successfully lowered the cash advance limit, or she simply lied to me, as the male rep today said he could not find such cash advance limit change on file. Unfortunately, I do not have any email proof as this was conducted by phone, but I hope the call with the female rep in XXXX was recorded in case the bank needs any proof. These two " cash advance '' were definitely not intentional as I would believe any cash advance would not be able to go through like the female rep firmly told me. Therefore, I do not think it is fair for me to bear the cost of this cash transaction fee due to the fault of their representative. In addition, both cash advances happened and posted on the same day, it does not make sense that one is latest posted ( while the other maybe 1 second later ) so they can only reverse one fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
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 Applied for COVID relief on Barkleys XXXX XXXX website and it did it said I dont need to do nothing else. I guess somehow it didnt take it and now there saying Im 30 plus days late and dropped my score a lot. I called and they fixed it for the month of XXXX. I payed the account off for XXXX. Then XXXX they report again 30 plus days late and my score dropped again so they dont have it right over they because the original late month was may not XXXX and there giving me a hard time to fix it Ive been with them since 2012 with never a late payment with them or any account my entire life. They fixed it originally and messed it up again I dont now whats the confusion with this and why I cant get it fixed for COVID reasons. I never missed a payment in my life and its on them that something went wrong on there side or I wouldve just made the payment originally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XX/XX/XXXX I called Barclays Bank Delaware to set up auto-payment and it didnt go through so I called again in XX/XX/XXXX and got sent to a higher manager ( XXXX ) who went through it and set it up with me and I am just receiving information now that they havent been getting the auto-payment from XXXX till now in XXXX of XXXX. So now they charged me ridiculously raised balance for their negligence. I have no problem paying it outright, but I dont accept their surcharges for their mistakes. Whenever I tried to email, call, or use the mobile app it just hung up, no response, or told me to call them in which they never answered six times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/20, Barclay contacted me stating that I owe a debt to them. I am currently enrolled in a debt settlement program with XXXX XXXX and my settlement was paid in full to resolve this account. All payments were made to Barclay as agreed. Barclay refuses to acknowledge the settlement that was agreed on and continues to harass me for a balance that is no longer due to their company. I spoke with a manager named XXXX XXXX who was extremely unhelpful. They refused to verify to contact XXXX XXXX for verification of this debt settlement agreement. He refused to provide me with his supervisor 's contact information several times before he finally provided me with the name of his supervisor in which he stated was XXXX XXXX. I requested a fax number or email to make a formal complaint to his supervisor and he refused to provide this information as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an account w/Barclays ( ending in XXXX ) on which I purchased a laptop for my daughter with 0 % financing in 2017. I made payments well above my minimum and asked that the payments be applied to that purchase first and they chose to apply ALL of my payments to subsequent purchases. Now three ( 3 ) years later, i get a bill with additional interest of {$770.00} added for this month, which includes interest back to 2017 for the promotional fee that was not paid off, as they applied all payments to subsequent purchases. i have never been late on any bills ; i have made payments well above my minimum ; this is unfair consumer relations, and especially during these trying times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
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 have a loan with XXXX XXXX, XXXX, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, XXXX, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BRCLYSBANKDE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 ), also I was never 60 days late ( XX/XX/2018 ), lastly I was never 90 days late ( XX/XX/2018 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: At the end of XX/XX/XXXX I was moving from a rental back to my primary residence. I believe during the move one of the movers took my credit card and used it. The dates in question are XXXX for a total of {$4200.00} This illegal activity was discovered on or around XX/XX/XXXX when we called customer service to deactivate the card since it has a XXXX $ fee to it and was meant to be used when we flew XXXX. All fradualant transactions occurred on the authorized card ending in XXXX with the main acct ending in XXXX. A thing to note - since the opening of this account, zero transactions had been made on acct ending in XXXX. I received a letter marked XXXX saying " We have completed the investigative process. Our research has indicated that the transaction ( s ) is valid ''. They stated the card had a chip so it was used it person, I asked them to provide evidence that I made these transactions. They could not. I have not made any of these transactions. I called on XX/XX/XXXX to inform them this is not a dispute as mentioned in their response letter but theft/fraud. Barclays customer service informed me they will look into it, I called back on XX/XX/XXXX and was told since the card has a chip in it that it was a valid transaction and that I had to pay this amount. They also state the burden of proof is on me to prove I did not purchase these items. On XX/XX/XXXX I went and filed a police report. After disputing it further I was told someone will call me in 10 business days, but I have lost confidence in their customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A