Date Received: 2020-07-30
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: This is a follow-up complaint to my original complaint # XXXX. My attorney had to send another letter to Barclay. On XX/XX/2020 Barclay responded to my attorney, Ms. XXXX ( only after filing a complaint with you ). My attorney had originally wrote to Barclay back in XX/XX/2020 with no response. In Barclay 's XX/XX/XXXX letter to Ms. XXXX a letter addressed to me ( XXXX XXXX ) dated XX/XX/2020 was enclosed. This letter references attachments, which were not provided to Ms. XXXX. Overall, I NEVER received this letter from Barclay. So, we are still at square one. We do not have any documentation / proof of what the original loan agreement says, how much has been paid toward the loan, where Barclay comes up with the interest. And even though they offer to remove the interest and add a {$100.00} goodwill statement to my account, I never officially received a letter from them and I do not believe they credited the most recent payment I had made in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 993XX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
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: Keep getting a statement from a company named Barclays Financing Visa Card for a purchase of {$210.00} from a XXXX XXXX XXXX XXXX on XX/XX/2020 from an account with them ending in XXXX. I only am given the last four digits of this account. Now they have supposedly issued a replacement card that I also never received and are holding me responsible for the entire balance of this credit card account that I do not possess. No, I don't think so Barclays. You can NOT allow this to happen to a UNITED STATES citizen. You WILL answer to someone. I promise!! RE : Case # XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72450
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclay bank is holding my payment for up to 7 days stating that they have the right to put a hold on my payments. That is unfair as the money is out of my account and I can not use the card for up to 7 days later. I see it as advantageous. Each time I call them about it they say that it was removed and will not happen again. Now today the lady is saying there is nothing that can be done and that there is no one else that I can speak with. I need my payment to go through as soon as it leaves my bank as I do not have access to the funds anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2020 I received a copy of my Barclays Mastercard statement marketed under the name XXXX mastercard due to its affiliation with XXXX XXXX On XX/XX/2020 I wrote a check payable to XXXX Mastercard for {$2100.00} which they received and cashed on XX/XX/2020. My bank account was debited the {$2100.00} on XX/XX/XXXX. Barclays bank XXXX mastercard only credited {$21.00} on my statement as the payment made. On XX/XX/XXXX I received an email from XXXX Mastercard saying that I had shortpaid my account and my account needed immediate attention. I called them right away and discovered their error. The man I spoke with gave me a case number XXXX. He was to forward this information along with the copy of my check to the investigation team who would correct the error right away. On XX/XX/XXXX, I called into the customer service department who advised me that they would not be processing any paperwork on my account for at least 2 billing cycles. I explained that this was unacceptable as I have paid the funds from my account which is no longer their and I do not have the credit applied to my statement. Waiting 60-90 days for a response seems highly unethical and against what any reasonable person should expect to endure. I was told that the call would be escalated and I would hear from a manager in a few days. They also gave me a fax number to send my inquiry to as well as a mailing address to which I have expressed by concern and disappointment in how I was being treated as a customer. On XX/XX/XXXX, I called in for a status update and spoke to a person who was struggling to communicate in English however managed to express that they once again would not be responding to the investigation to at least 2 more billing cycles. I believe that as a consumer this is horrible practice. If we the consumers had not made timely payments we would be punished with derrogatory remarks and poor credit reporting history, however when these banks act badly and against the consumer they seems to get away with it with impunity. I have never missed a payment and I am a good and loyal customer however I am being treated unfairly and unethically as they are hiding behind a massive corporate structure and refuse to correct my account and their error for an unreasonable amount of time if they correct it at all. In essence they have stolen my money and refuse to either provide a credit to my account nor return it. Waiting 60-90 days for an expected response is unreasonable and I formally request that the CFPB investigate and request some answers. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Customer Service is extremely rude XXXX, and hung up the phone on me on XX/XX/XXXX. I asked for a balance transfer, then I asked to speak with a manager, they refused to let me speak to a manager, and then Hung up the phone. I then called in again to call up to complain, the XXXX XXXX working on the phone, placed me on hold for 15 min and Did Not File my complaint. Rudest customer service, and I wil
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been unable to redeem my credit card rewards earned through the Uber Rewards card. Barclays advised me that the problem was on the Uber end and they could not help me. Uber claims that they can't help me because I am not the primary account holder. I responded to this by proving that I am the account holder by sending evidence of my credit card statement. They are still refusing to honor the several XXXX XXXX worth of rewards and have marked the issue as " closed '' and said that they will not be providing further help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX i learned that I sent Barclaycard ( my XXXX XXXX credit card ) an ACH payment of {$7500.00} from the wrong account and it was returned for insufficient funds. I was told by Barclaycard customer service that they would retry the payment within 3 days or I could call and pay the amount over the phone to avoid a late fee and/or interest. To correct the error I did an immediate transfer of {$7500.00} to the same account the original ( in error ) payment was taken and called Barclaycard that evening ( XX/XX/XXXX ) to make a payment directly from that checking account, using my account number and bank routing number. The payment was processed and posted on XX/XX/XXXX. Barclaycard also put through the retry ACH payment on XX/XX/XXXX, which then was also processed on XX/XX/XXXX and returned for insufficient funds. Of the two payments of {$7500.00}, one was never credited to my account despite me sending my bank account statement showing the funds were sent to Barclaycard and withdrawn from my bank account. I have worked with my bank ( XXXX ), the bill pay company ( FIS ) and apparently the payment was sent to the wrong account number at Barclaycard and they are unable to find it or credit my balance despite me providing the Federal Reserve tracking number for the payment. I have also been working with The Mayors Office of Consumer Information, and despite their numerous letters they sent, Barclaycard would not respond To them so the director ( XXXX XXXX ) advised me to file a complaint with your agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I open the Barclay 's XXXX XXXX Business Credit Card back in XX/XX/XXXX. It was advertised with a sign-up bonus of XXXX for {$1000.00} spend and then an additional XXXX for signing up an Authorized User and making a purchase with that card, all within 3 months of opening the credit card. I received the XXXX miles, but never the extra XXXX The purchase from the Authorized User 's card was made on XX/XX/XXXX ( see attached proof ). I followed-up with Barclay 's on this missing bonus at first on XX/XX/XXXX. The person I spoke to was able to verify they had the purchase on their end and that it should have triggered the bonus, so she didn't know why the bonus didn't post. She said she will open an inquiry to find out. I called back on XX/XX/XXXX as I noticed the bonus did not post yet. On this call the person said there was no status update yet, but she they will send it back again. I called back again on XX/XX/XXXX as nothing has happened, and I was given the same information that there was no status update. On this call, I also closed the credit card as the annual fee was due and with COVID-19, I have no travel plans for the foreseeable future, so the airline benefits of this card were not worth the annual fee. I told the person that I would keep the card if they would waive the annual fee, but they would not do so, so I canceled the card. And since I canceled the card, they said there is nothing that they could do about the missing 10,000 bonus miles that I was supposed to received for adding an Authorized User and having them make a purchase with the credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
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/2020, I became aware of fraudulent charges on my account and immediately notified Customer Service, via phone, of this situation. The agent was very helpful, but ultimately, indicated she was not able to complete the claim at that time, due to some issue with her system. She advised that she would complete the process after our call ended, and that someone would contact me to confirm the completion of the dispute process. She very clearly indicated that I would not need to follow-up further, but that I would be contacted. On XX/XX/2020, I still had received no calls regarding this matter, but upon logging in to my account observed that the charges had all been appropriately credited. However, on closer review, there were 2 larger charges, in the amounts of {$77.00}, and {$220.00}, that had somehow fallen off the claim, even though I had clearly indicated they were not recognized, and fell within the date range of the fraudulent activity. ( Please feel free to check the call transcript to verify. ) Over the last 10 days, I have been calling frequently to Customer Service to resolve this -- to have those 2 items added to the claim, and to check on their status. I have been advised that they were included, but I have also been advised that the case was closed on XX/XX/2020. So I am quite confused, 1 ) why the first batch of credits occurred within 2 business days of my original claim of XX/XX/XXXX, but these items remain uncredited so many days later ; 2 ) if the case is indeed closed, how can the 2 items ( which I were told *have* now been included ) not have been credited yet in the process of closing the case?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account is closed and I have tried to pay it off, but Barclay 's will not let you talk to anyone and keeps reporting the account. Then they said it's with a third party collection company that is unidentifiable and they will not give any contact info. The credit bureaus keeps letting them verify info and the said info is not correct. They are ruining my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A