Date Received: 2020-08-12
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: My complaint is two-fold. First it is again XXXX XXXX as I made a reservation for a stay in XXXX, Hawaii on XX/XX/2020. As soon as the state of Hawaii put in a mandatory 2 week quarantine, I cancelled the reservation on approx. XX/XX/2020. I requested a refund of the total amount {$1000.00} less the service fee, or a refund of {$760.00}. My host, XXXX, told me to contact XXXX XXXX. The reservation was for the week of XX/XX/2020. At that time, when you called XXXX XXXX, they had a recording that said, unless your reservation is within the next 72 hours, we can't help you. I kept trying to contact them and could not get anyone to respond to me. I then put in a dispute with my credit card company that I used to make the reservation. After an investigation, they denied the dispute. I then called XXXX XXXX again on XX/XX/2020 and talked to XXXX who promised to elevate my problem and that someone would contact me. I called again on XX/XX/XXXX and was told the same thing, someone would contact me. No one has ever contacted me. I did not travel to Hawaii due to Covid 19 and the travel restrictions. XXXX XXXX has had my money for over 5 months. I feel XXXX XXXX would refund the money andor the credit card company should have approved my dispute. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85635
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: 2020-08-12
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, BARCLAYS BANK DELAWARE, and XXXX 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, BARCLAYS BANK DELAWARE, and XXXX 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: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: With approval of this Barclay Visa card last year it was understood that a promotional interest free period of 12 months for the purchase of XXXX products which was done. Funny thing is that this interest free was about to expire ( last year ) and the interest free would not be unless the entire balance due on the card was paid. Essentially extorting the full balance of the card. Okay balance was managed and paid. So this year purchasing another XXXX product this same tactic was " automatically '' applied for interest free. No way to choose regular or promotional like my other Visa card. One XXXX product, two XXXX products, three XXXX products generated three different promotional dates of expiration. Once again all three dates are separate in time and interest accrued. Paying off the earliest balance ( $ XXXX ) does not remove the expiration. Even though in the last six months have paid {$1000.00} to pay off at the very least that first " promotional interest free balance due to expire XX/XX/2020. Indicating that the interest will be charged at the end of that expiration etc. Once again the entire full balance of the card MUST be paid in order for " interest free '' to be interest free. All the while interest is charged for nonXXXX products purchased. Isn't this double billing on interest. Can't pay off the balance for interest free, while charging interest on periodic balances. XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
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 placed an order to XXXXXXXX XXXX online for 5 bottles of XXXX and additional 6 bottles at a discount rate for a total purchase of {$280.00} on XX/XX/19. It came from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. After I opened the box I read the ingredient label & found out they had gluten in them. I have XXXX XXXX so I can not eat anything with gluten in it. I immediately tried to call the phone number on the email from them XXXX XXXX XXXX XXXX. The number on the email & their website does not work. So I emailed them at XXXX, but never received any response either by phone or email. I called XXXX XXXX XXXX XXXX XXXX to see if they had another phone number for them. They gave me another number to try. I called it & got a recording from a man saying please leave a message so I did. No answer or email from him either. The number was just a recording from a man to leave a message. Sounded very fishy. I called Barclays credit card customer service back. The rep tried to call that number & got the same recording. They put the money back in my account while they did their dispute work to contact the company. I finally received documents from Barclays telling me that they were not able to get the refund for me for these reasons : 1. Customer has not contacted customer service. 2. In order to proceed to checkout, customer must agree to terms and conditions on merchant page. 3. Customer did not cancel or return the product within ( 30 ) days from the original purchase date and therefore is responsible for the charge. Barclays put the charge back on my account. I called them back & had the rep look over the documents and she said you did what you were supposed to do so I will send it back to the dispute department to redo the dispute. I waited until yesterday to call them because I had not received anything from the dispute department. It has been almost a year now. The rep said they closed my case because I didn't follow the guidelines of the purchase. I was on the phone with the CS rep for over an hour. She put me on hold and never came back on the line. I am very unhappy with Barclays. I found out by checking XXXX XXXX XXXX on the XXXX page that they have had several complaints about refunds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Problem when making payments
Subissue:
Consumer Complaint: I am an individual with perfect credit and have had my Barclays loan for several months without issue. Back in XXXX Barclays extended me a deferment due to Covid. And asked that I put a stop payment with my bank ( XXXX XXXX ) for the autopay that was setup. And advised the next payment would be due in XXXX. First week of XXXX, I make a payment online at Barclays, days later the payment shows as Barclays as posted. Then several days later I get another email stating another payment is due, I login and see that the XX/XX/XXXX payment is posted but another payment is due, so I go ahead and make a payment for that as well. Then in early XXXX, I get another email stating another payment is due. Even after I see online that XX/XX/XXXX and XX/XX/XXXX payments were posted. And now the system is also showing me past due. So I call barclays and do some more digging in the online system, only to find out that Barclays was showing incorrectly that XX/XX/XXXX and XX/XX/XXXX payments were posted, they had infact been returned. Barclays said XXXX XXXX had not honored the payments. I called XXXX XXXX and found out that there was a stop payment put in place since XXXX that had not been lifted, whereas I was under the impression that the stop payment was just put on there for one month. I went ahead and fixed this issue and made the payment. However, I have been marked late for the month of XXXX for my Barclays card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
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 am writing to you to complain regarding the handling of a dispute case with Barclays ( the Issuer ). I am experiencing issues with this Issuer since XXXX. On XXXX XXXX, I had a telephone conversation with Barclays representative ( Agent # XXXX ) regarding this dispute case ( # XXXX ) This charge is regarding an airline ticket billed on XX/XX/2020 ( Merchant ). Up to date, I am unable to get the credit back for this transaction back to the account despite that the Merchant has agreed to refund me back ( see Attachment A. and B ) Back in late XXXX, the issuer has closed this case because " the date of the departure '' was not provided ; whereas, that date was provided to the Issuer over the phone over two occasions prior to the date of case closure. In XXXX, XXXX and XX/XX/2020, the Issuer claims that they have not received a letter from the card member ; therefore ; they are unable to open the case ; whereas such letter was provided already on multiple occasions ( see attachment C and D ). Original letter also attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
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: Barclays XXXX Mastercard - COVID 19 Scams The balance on the credit card is over {$5000.00} dollars as of XX/XX/XXXX and the actual balance should only be {$1000.00}. This is a common COVID 19 - XXXX type scam where banks just make up fake of fictitious balances that 'could be plausible ' so customers sleepwalk into paying incorrect statements.
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: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On my credit report, I have 11 Open credit account along with 10 Hard Inquiries. I am unsure as to what these inquiries are regarding. Specifically the following XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX These are all a direct result of identity theft, I had my identity stolen in XXXX and have had numerous issues many of which are listed above. Please let me know how to proceed. -XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60045
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A fraudulent credit card was opened in my name and shows on my credit report. I have tried contacting the credit card company : Barrclays and was on the phone for over 1.5 hours and never was able to get through to talk to anyone as their lines were busy. I have made several reports and still no help. Barclays XXXX XXXX XXXX DE XXXX Ph : XXXX THIS IS NOT MY ACCOUNT and is stolen identity or fraudulent : I can not spend countless hours trying to reach them as they do not answer a phone and their web page is impossible to navigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48708
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I'm trying to use my Barclays XXXX XXXX with a merchant. I've literally tried making a purchase XXXX dozen times. When I talk to the merchant they say its the credit card company that is the problem. When I call XXXX XXXX 4 times now, including the most recent attempt where I talked to a very nice supervisor ) they say its the merchant. Something needs to be fixed and I'm coming to you, CFPB, because in past experiences I know that these complaints get elevated to a level where I get the attention of someone who has the visibility to cross the many Bank divisions to solve problems. I'm simply trying to use Barclays more. And actually make a purchase at a vendor who accepts XXXX. That's all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A