Date Received: 2020-08-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: For most of my bills I pay them using XXXX XXXX Online Bill Pay. On the XXXX of XXXX I logged into my XXXX XXXX account and submitted a Bill Pay request for the amount of {$1000.00} payable to Business Card Services for Bank of Hawaii. According to XXXX XXXX 's Bill Pay page my payment submitted that day ( XX/XX/XXXX ) would reach Bank of Hawaii on the appropriate due date of XX/XX/XXXX. This past week I received my new statement from Bank of Hawaii showing a {$16.00} late fee for that last payment. I logged into my XXXX XXXX account and the " history '' page shows that the check to Bank of Hawaii was cashed on XX/XX/XXXX, but when I called Bank of Hawaii to inform them of this they told me they didn't receive it until the XX/XX/XXXX. Clearly, one bank or the other is at fault here, but I'm the one being assessed the late fee penalty. Bank of Hawaii offered to " waive '' the late fee, but I told them this wasn't the correct terminology because it still implies I was at fault. Furthermore, most credit card companies will not allow you to ask for a waiver more than once in a 12 month period, and since this wasn't my fault I didn't want that to be my " one time '' waiver. I pay ALL of my credit cards IN FULL every month, but occasionally I might get distracted a miss payment by 1 day, at which time I'll call the to explain and ask for a waiver. I don't want my 1-time waiver being WASTED on a issue that I didn't create. If I can add a secondary complaint to this thread : I also discovered that my new bill has a due date that is 3 days sooner than ALL of the previous billing cycles. Since opening this card my due date has always been the XXXX of the month. I keep a calendar with all my due dates on it so I can be reminded when to pay. I did NOT receive any official notice in writing from Bank of Hawaii that my due date would be changing, so this new statement was the first I became aware of it. When I asked the supervisor on the phone from B of H she said that because its a business card the due date has to fall on a business day -- to which I responded " bunk! '' I have tons of credit cards and the due date NEVER changes without a formal letter in the mail at least a month in advance notifying me a change is forthcoming. Is this recent date change by Bank of Hawaii a FAIR practice or just an attempt to set someone up for failure by slipping in a different date and subsequently creating a late-fee garnering opportunity for the bank? Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclays Bank Delaware says I opened a credit card with them on XX/XX/XXXX which I never opened. Records on my credit report show the card was never used so it was a XXXX balance every month until XX/XX/XXXX when a charged or fee showed up at {$89.00} dollars with a {$27.00} payment which I never paid??? This shows some payments which I never made then in XX/XX/XXXX it shows a XXXX balance. This is FRAUD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
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: This company is reporting an unverified account and the account status is wrong status. Please be further advised, I dispute the validity of the alleged debt in its entirety. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Today XX/XX/2020, I received an email at XXXX XXXX from Barclay thanking me for transferring my reward points to my UberApp. However, I did NOT transfer those points, I was asleep. I talked to a customer service representative via Barclay 's online chat service and was informed the company updated its terms of service so that beginning in XX/XX/2020, points may only be used on Uber services and that points are automatically transferred at {$50.00} to my UberApp. I've been a card-member for over 2 years and this is the last straw. This 100 % unacceptable. Barclay 's business practices are fraudulent, as this isn't the first time they've done something like this. Under the original terms of service, the terms they advertised and marketed that made the card appealing to me to begin with, points earned at restaurants and bars were 4 % cash back and all points could be redeemed for cash or credit to the account or uber cash. 2.5 years later, all of sudden bars and restaurants are worth 3 %, while the uberapp is worth 5 % ( something I don't use on a regular basis ) and all of my points I racked up over the years that I thought I was saving to be redeemed for cash, can now only be used on the UberApp, something I don't really use. This is bait and switch behavior and fraud. I asked the Barclay representative for a corporate office number to call and she said there was no number that I could call. I asked that a check be sent to me for the rewards points that I had earned, she said she could not do that. Unacceptable. After I indicated I would be filing a complaint, she told me a manager will contact me in 24-48 hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
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 my XXXX XXXX XXXX {$37.00} charge from XXXX XXXX XX/XX/XXXX Barclays Credit Card Holder I immediately contacted same day and spoke to XXXX from the XXXX XXXX Dept. XX/XX/XXXX. She said that I will have to wait until hit hard post the acct. I understood 100 % since I do work in the XXXX XXXX of work 25+ years Today XX/XX/XXXX, called since the charge has posted to the acct. Now XXXX from the same card company is saying I have to wait 15 days from the hard post date. Never heard of that Why is that? I can see for cashier checks or official checks. But a charge on a CC that I have no clue about. Same company cc I have filed at least 2 charged, immediately provided me great service. Now why not today!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I tried to contact Barclays Bank to obtain physical proof of the 5 late payments that are posted on my account with them. It has been over 30 days and I have yet to receive a response to my request. Also was not notified of my late payment status withe creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
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 XXXX I researched XXXX XXXX XXXX XXXX and found a website that looked legit and order the product for {$140.00} thru XXXX and Barclays credit card. I had not received the earbuds pro by XX/XX/XXXX so I then contacted XXXX and attempted to contact the seller then finding out this company was a fraud and can no longer find them on the internet and no responses to me emails. I then filed a dispute with pal, that trans ID is XXXX. I waited until XX/XX/XXXX and did not receive any response from XXXX. I then filed a complaint with the credit card listed on the XXXX account Barclays MasterCard. The earns finally arrived XX/XX/XXXX, but didnt work as this is a XXXX company fraudulently advertising XXXX products and the the earbuds are NOT XXXX. There was not a return address for XXXX or I would gladly return. My credit card company will not assist me with this and I feel I should be refunded as this was not what I purchased. I have great credit and have used both of these companies for many years. During this Pandemic I am not willing to throw {$140.00} out the window for a defective product that I cant even return! Thank you for your assistance in this matter. I am just standing up for what is right. The people of this country have been screwed over by big businesses long enough!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32778
Submitted Via: Web
Date Sent: 2020-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
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, Chapter XXXX Bankruptcy, 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, Chapter XXXX Bankruptcy, 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: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2020 a fraudulent charge was made on my Barclays XXXX XXXX credit card. This was discovered and reported to the card company on XX/XX/2020. The credit card company refuses to accept the dispute via their web portal, XXXX the phone claiming their dispute department was not taking calls. Their web portal also did not allow for submissions due to errors on the site. Company request a dispute be faxed or emailed In. Fax was sent and electronic confirmation of fax receipt was received, however company refuses to acknowledge receipt. Customer service is of no help. Providing different instructions on each call. This avoidance tactic seems to be common practice as indicated by numerous reviews on trust pilot and consumer affairs review sites. Meanwhile the company continues to charge late fees and reportnegative payment events to credit bureaus. Fraudulent balance was eventually paid by me to avoid continuing adverse impact to credit score. A ny state attorney general complaint has also been filed. Disputed have also been filed with XXXX and XXXX and the offending card has been cancelled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Barclaycard Rewards MasterCard ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A