Date Received: 2020-07-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Good Morning, I have been with my Barclays Bank Credit Card company for 10 plus years and have never missed a payment or been over 30 days late, never! In XXXX of 2020 during the height of COVID, my job was in jeopardy and I was not completely focused on other issues. I sent {$420.00} to the credit card for payment. Apparently {$460.00} was due and I didn't realize it. In XXXX when I sent the bill, it was a few days late and they received in XX/XX/XXXX I believe. Well that put it over 30 days late for the {$40.00} from XXXX. I asked Barclay 's Bank for forgiveness and to take this off my credit report. My credit score was XXXX and it is now in the mid 600 's because of an honest mistake during a world-wide pandemic. They refused to take it off and said it was due to the integrity of the credit reporting. Again, we are under this global crisis and I have never been late with them. They refused via letter and I followed up and got a call from someone in customer service and he refused also. I made the point, if I asked originally for forebearance, this would not have been an issue, but again, my job was in jeopardy as my hours and salary were cut. I did lose focus on other things, but due to my long history of payments with them, I thought someone could help with a good will adjustment to take the late off my credit report. They refused. I am now begging you for assistance to see if they can take this off. It i basically a {$40.00} mistake by a few days over 30 days during this world crisis and they are not helping. 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: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account was opened in my name without my authorization. I don't recognize the reported account ending in XXXX listed as a charge-off on my credit report. This is a request for the account to be deleted from XXXX XXXX, & XXXX. I asked Barclays Bank Delaware to validate with a contract for proof of signature, this doesn't exist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
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: On XX/XX/2020 I authorized a charge to my Barclays Mastercard by Frontier Airlines in the amount of {$880.00} for two round trip air flight tickets from XXXX to XXXX XXXX to attend the XXXX XXXX. Our departing flight was scheduled for XX/XX/2020 and our return flight was scheduled for XX/XX/2020. Subsequent to the booking the XXXX XXXX was cancelled due to the Covid 19 virus, so I cancelled our flight reservations and attempted to obtain a refund for our flights with Frontier. I was unable to reach Frontier via phone as their lines were understandably constantly busy, and they offered via email only a credit that had to be used in a very limited timeframe, which we would be unable to use. On XX/XX/2020 I sent via certified mail a dispute letter to Barclays, requesting a reversal of the charge for {$880.00}. Approximately XX/XX/2020, I received a letter from Barclays, dated XX/XX/2020, beyond the 30 days allotted for their acknowledgement letter, stating they were looking into it with Frontier. On XX/XX/2020, I received a further letter from Barclays stating that the reversal of the charge was declined. No supporting documentation was provided by Barclays. I am requesting a reversal of this charge of {$880.00} due to Barclays failure to provide responses within the timeframe required, and for not providing any supporting documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent charges were made as follows : XX/XX/2020 {$830.00} XX/XX/2020 {$150.00} Disputes were filed online without any sort of acknowledgment. Then we followed up with a letter to the company with the details. We had a total of three charges. We believe one was taken care of based on a refund we saw on the loan. We then also received a vague letter that did not reference an amount, date or anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclay 's Uber Visa card states on it's website that : Once earned in your card account, there are two ways to transfer Uber Cash to your Uber account for Uber services. At any time, you may choose to transfer Uber Cash from your card account to your Uber account by selecting the option to manage your Uber Credit Card rewards when you access the Uber app. Once you have accumulated at least {$50.00} Uber Cash on your card account, Uber will automatically transfer the entire balance of Uber Cash in your card account to your Uber Cash balance on your Uber account. Once your Uber Cash is transferred to your Uber account, you may redeem for Uber services, including Uber rides, Uber Eats orders, and JUMP rides. However -- there is no way to " at any time '' transfer uber cash to your uber account. I reached out to support on XX/XX/20 -- -- -- -- -- -- -- -- -- -- -- -- Customer XXXX XXXX via XXXX XXXX XXXX XXXX Hi Folks, I am having some trouble transferring my rewards to my Uber/UberEats account, even though this card is linked in those accounts. The help guide says " at any time, you may choose to transfer Uber Cash from your card account to your Uber account by selecting the option to manage your Uber Credit Card rewards when you access the Uber app. '' What exactly do I click on when I open the app to get the options to " manage your uber credit card rewards ''? Options include : My name, your trips, payment, help, uber rewards, settings. I've tried all of these to no avail -- so if you could provide the exact path, I would appreciate it. Thank you! -- -- -- -- -- -- -- -- -- -- -- -- -- - Their response : Response Care via EmailXX/XX/2020 XXXX XX/XX/XXXXDear XXXX XXXX : Thank you for contacting us regarding your Uber Credit Card. We can certainly explain regarding the product change on your account. Please be advise that automatic redemption is a benefit of the Uber Credit Card and may prompted our system to send an automatic email notification. In line with this, please be informed that once you have accumulated at least {$50.00} Uber Cash on your card account, we will automatically transfer the entire balance of Uber Cash in your card account to your Uber Cash balance on your Uber account. Once your Uber Cash is transferred to your Uber account, you may redeem for Uber services, including Uber rides, Uber Eats orders, and JUMP rides. Please be advise that Riders contact Uber through email only at XXXX and their website at www.uber.com. We appreciate your continued business with us. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have found evidence that other cardholders are experiencing this problem too -- and that even at the {$50.00} " automatic '' threshold, money is not being transferred. See the below references https : XXXX XX/XX/ ( Comment from PhanaticalTraveller )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02215
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed by card issuer without notice or explanation. I was thus denied benefits of the card ( mileage points on purchases I was forced to make using a different card ), deprived of the use for which I had paid an annual fee, and left in the dark. There was no balance due at the time of closure and my credit rating is above XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
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: Last XXXX I went on vacation to XXXX and we went to a time share they said they needed to charge my card a certain amount of money in order to process the time share. They told us once we reviewed the material and if we were not satisfied we could cancel at any time. It was a lot of material they gave us and we did not get around reviewing everything until sometime in XXXX / XXXX of 2020. When we reviewed the material we found out that the time share did not work the way it was explained and we were not happy about it. We tried cancelling and they told us it was too late to cancel. They lied to us. Also we found out the whole transaction was based on bad information we were told that the transaction would not go thru if one of us wasnt working and at the time my husband was unemployed and they still put the transaction thru. We were stuck with the credit card bill and with the time share also. we reached out to the credit card and made a dispute but they responded that we were liable for the charges. We have not been able to use the time share and the credit card transaction was for part of the time share. The credit card is with Barclay/RCI the credit card company already sent it to a collections agency with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX creditor shows barclays bank delaware account number ending in XXXX regarding RCI Elite Rewards Master Card the amount due is {$4100.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91351
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Credit card account Barclays open over 29 years ago. Excellent payment history. Attempted to make a payment in XX/XX/2020 for XX/XX/2020, using online service. Could not access account, it did not show up anywhere under my name, made numerous phone calls but could not speak with anyone in person and still can not. Recorded message says to access account and send message there. Had to go to another account with same company to get in touch at all. Sent message stating that account was not showing up, kept trying to call, to no avail. Mailed letter, no response. Stopped receiving any statements in any form as of XX/XX/2020. Checked with credit reporting agencies and it showed account closed by grantor, no explanation. Continued since XX/XX/2020 to send messages through the secure messaging. Finally on XX/XX/2020 I received a letter from a collection agency stating the account had be3n placed with them, so on, no balance shown or dates etc. Then going back found one response stating that it was included in a bankruptcy. And notations had been made on the account and I could not use or access information on the account. Had no way to get in touch about this. First and foremost I have never filed bankruptcy, and I am sole owner of the account. My wife filed for Chapter XXXX in XXXX of this year but she was absolutely not an owner, just an authorized user. She has verified this was not listed in her bankruptcy and her lawyer agrees. As of now, this is showing past due on my credit report, turned over to collections and I have tried at least 30 times to get access so that I could make my on time payments as I had always done. There will be another complaint against the collection agency, with an additional major complaint concerning discussion of this matter in great length with a third party without my permission. I have left messages for the collection agency and their Customer Support Unit, since XX/XX/2020 and they will not respond. My messages only asked that they call me ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24019
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: The credit card company debited my bank account for annual renewal fee WITHOUT sending a statement. When this fee showed up on my bank account without any prior notice I disputed it. On XX/XX/XXXX I received a postal letter that my account was overdue. Then I spent 25 minutes on telephone with their representative before she told me that an account supervisor would have to do this. The account supervisor was to call me back later on XX/XX/XXXX. This never happened. Today I have been on their website for almost an hour trying to cancel account but I end up in a loop that constantly sends me back to a previous location.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
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: There are a series of issues but the main issue is that the credit card company ( Barclaycard XXXX XXXX Mastercard ) closed a dispute I filed due to the length of time that had passed from when the charge was posted. The reason for the length of time was two-fold : 1 ) When I originally called to file the dispute ( which can not be easily done online or by phone but rather must be faxed or mailed ), I was told to first attempt to resolve it with the merchant. I attempted several times to resolve with the merchant and ultimately when it was not resolved, returned to my credit card company to officially file the dispute. 2 ) After taking over a month to review my case, I received a notification that the time a dispute could be filed had passed. I called the credit card company again letting them know that I had followed their instructions. They assured me they would look into it and reopen the case. After several more attempts to reach them, they have stopped responding to me regarding this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A