Date Received: 2020-07-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: BarclaycardUSA is not answering their phones during the coronavirus period. I have a scheduled payment reflected in their system that is for on-time payment. The ACH was never requested from my bank. I received notice of non-payment. I can not get through to discuss. This has forced me to initiate a second ACH payment in hopes that this one goes through. The fact I can not speak to anyone - hours long wait time - is not acceptable. I now risk double payment if the first ACH goes through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45066
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
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 Bank refuses to reverse a charge for a transaction in which the merchant admittedly never provided the services for which I contracted. On XX/XX/2020, I paid merchant XXXX XXXX {$390.00} via my Barclays credit card in order to transport luggage. Through no fault of my own, the luggage was never loaded on the plane, and I subsequently sent the luggage via airfreight with another company at about double the price ( see attached invoice ). US Department of Transportation Regulations require that all charges be refunded to the customer under these circumstances. ( See : https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds ). In violation of these Federal regulations, the merchant desires to give me a " travel voucher '', which I neither requested nor want, and would mosts likely never use. Bizarrely, rather than refund an admittedly illegitimate charge, as it is required to do by law, Barclays Bank has decided to assist the merchant in its own violation of Federal law and regulations by insisting that I must accept the travel voucher, rather than a refund of my money. By so doing, Barclays is violating the law while also acting as an accomplice of the merchant in its own violation of Federal law. Barclays need look no further than the fact that I admittedly never received the services for which I paid. Failure to refund my money makes Barclays a party to the merchant 's fraud and deceptive practices. Barclays is not a Tribunal, and has no right to choose sides. It is a bank which must follow banking law, which stipulates that I am not required to pay for services which I never received. Barclays should follow the law and refund my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
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've a Uber Visa BarclaysUS card. I used the card to order on Uber eats but the order didn't arrive. So the Uber eats team refunded me for the order. However, I still see the charge on my credit card. I raised a dispute online but I got a courier saying that I was missing certain info due to which my dispute was rejected. Now when I talked to the customer service, they asked me to send a dispute over a physical mail in writing. This is really bad and unethical behavior. The team is clearly doing everything to make it difficult for the customer to get back a valid refund. Order Date - XX/XX/2020 Transaction Date - XX/XX/2020 Amount - XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
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/XXXX, I purchased a round-trip airline ticket for {$840.00} from ticket agent XXXX, using my Barclaycard Mastercard credit card. The flights were scheduled by XXXX XXXX. In XX/XX/XXXX, I was notified by voicemail and email by XXXX XXXX that the flights were cancelled due to Covid-19. XXXX XXXX ' email stated that I qualified for a refund, but when I contacted them, they referred me to XXXX, which refused to issue a refund. I contacted Barclaycard by phone in XXXX, and they sent me a letter dated XX/XX/2020, stating that I had been issued a provisional credit for {$840.00} to my credit card account. On XX/XX/2020, they sent a letter stating that the credit was reversed and the charge was reinstated. They did not explain their reasoning in reversing the credit. I sent Barclaycard a letter on XX/XX/2020, disputing the charge because I had not received the goods and services from XXXX that I had been charged for. Being charged for the ticket although it had been cancelled was a violation of the Fair Credit Billing Act. I noted that the Third Circuit Court of Appeals had ruled that consumers can challenge a credit card charge within 60 days of the reinstatement of the charge. On XX/XX/2020, Barclaycard sent me a letter stating that I was not entitled to have the airline ticket charge reversed. I believe Barclaycard is in violation of the Fair Credit Billing Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 855XX
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Barclays are reporting incorrect information wrong amount wrong balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
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: In XX/XX/2020, I purchased an international trip in the amount of {$2000.00} to be taken in XX/XX/2020 from XXXX, an online vendor, for a third party travel vendor, XXXX XXXX XXXX. In the midst of Covid-19, all trips were canceled by airlines for my expected time of travel and airlines refunded passengers their money directly. I reached out to XXXX for a refund on a service that could not be fulfilled. XXXX has claimed that the third party vendor is responsible for this, and they can not assist me in providing a refund. The third party vendor, XXXX XXXX XXXX, has refused to provide a refund. The third party wrongfully refused to provide a refund, knowing that they received a refund for all flight and hotel reservations that were made in advance. I am aware that the U.S. Department of Transportation issued a notice in XX/XX/2020 requiring airlines to provide refunds. As per the U.S. Department of Transportation notice : " Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight or makes a significant change in the flight schedule and the passenger chooses not to accept the alternative offered by the carrier ''. I was told by XXXX XXXX XXXX that this does not apply to their tour operators, although they are based in New York. Therefore, I disputed this with my credit card company, who stated that they do not have disputing rights since this service was bought through a third party vendor, XXXX. I can not have a company keep my money during this time of economic hardship for a service that was not granted. To resolve this issue, I need a full refund for a service that I can not use due to an unprecedented global pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Barclays XXXX Credit Card was used and the products were sent to unknown persons and I'm being charged for fraud and false charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93405
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
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: To Whom it May Concern : I'm writing to file a NEW COMPLAINT/REOPEN my claim dispute or escalate to arbitration Case ID : XXXX XXXX based on new information I received regarding mastercards chargeback guidelines. I spoke with XXXX at Barclay yesterday, as well as, two additional customer service reps who confirmed that my Barclay world elite mastercard falls under those current guidelines set forth by mastercard. I have gone ahead and mailed in a request to reopen my claim again as I am unable to do so via phone or online. I've also had my lawyer and mentor who formally worked for the company review my case and based on the current chargeback guidelines set by mastercard on page 68, which clearly state under, Goods or Services Were Either Not as Described or Defective that the permitted timeframe for a chargeback is, " 120 calendar days from when the services ceased with a maximum of 540 calendar days from the transaction settlement date for issues of interruption of ongoing services '' that I was and am well within the timeframe to dispute the charges. The charges were from a company called real estate elevated that I received ONGOING services with that was shut down and sent to receivership by the FTC for FRAUD on XX/XX/XXXX. The transactions were again for ongoing services and occurred on XX/XX/XXXX for {$19000.00} ( XXXX ), XX/XX/XXXX for {$13000.00} ( XXXX ), and XX/XX/XXXX for {$9000.00} ( XXXX ) totaling {$41000.00}. I am unable to pursue corrective action with the company because they committed fraud and have a restraining order prohibiting them from continuing business operations. I have been disputing the charges with Barclay since XX/XX/XXXX, which was 20 days after services ceased and have continued to receive the same generic response, which is " Due to the length of time that has passed since the transactions were made, we no longer have dispute rights available to pursue credit on your behalf. '' Based on the new information that was brought to light about the mastercard guidelines this response is invalid based on the fact that the services were ongoing and that I was and still am well within the required time frames to dispute the charges. These guidelines were put in place to protect consumers and give them recourse against predatory companies like this one. They committed fraud and I and many others are a victim of this company and I'm simply asking Barclay MasterCard to adhere to and honor their own guidelines and rectify the situation by issuing a full refund for the above charges. Barclay has refused to even submit a request to mastercard asking for a refund and I just want them to use the correct chargeback reason code and submit the request. Several other individuals I've spoken with have gone through the same thing with mastercard and have had no problem getting their purchase refunded because the company in question was illegitimate. I've attached a letter from my lawyer, a second opinion letter from one of the former instructors, my previous correspondence with barclay, receipt from the company, bank statements with the charges, and the mastercard chargeback guidelines ( please see page 68 ). I appreciate your assistance in this matter, if you have any questions or need more information please feel free to reach out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97526
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My Barclay account ending in XXXX was paid off less the amount of {$15.00}, this is a returned check fee which is in dispute, due to a returned payment in the amount of {$50.00}. A replacement payment was made, which did in fact clear my bank, contrary to what a XXXX XXXX claims, a bank statement was provided and complaint marked as duplicate to avoid addressing it. The account was later paid off less disputed fee, additional interest brought the account to {$27.00}, account was later credited this amount.. XXXX claims it was credited as assistance related to covid-19, this information is entirely bogus ... I can assure the CFPB account assistance does not include waiving fees/interest in this case. I attempted to clarify this by calling and speaking with customer service reps, was on hold for well over a hour and no one picked up. I am also attempting to clarify if account sent to collections or not, if so, I need the name of collection agency.. Additionally, I've called directly to number provided in prior CFPB responses, it appears leaving contact info is entirely pointless, the rep does not accept or return calls, a total of three messages left and none returned.. Further, the rep likes to include copies of her past replies which is also pointless, will refuse back if mailed to me. Unfortunately, this rep appears to be the only person replying on behalf on Barclays, no reasonable rep available to reply and or speak with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
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 purchased a ring at the XXXX jewelry store onboard a XXXX XXXX cruise ship, the XXXX XXXX, on XX/XX/XXXX. The purchase was for {$4200.00} part of other expenses I incurred on the ship totaling {$4800.00}. I paid for my purchases using the XXXX XXXX Visa card issued by Barclays Bank. The ring needed to be sized and was going to be delivered to my home a week or two after the cruise. I never received this ring! I began calling the jewelry store, XXXX, in XXXX inquiring about delivery of the ring. I was told they were shut down because of the COVID-19 quarantine in XXXX and XXXX did not know when the ring would be sized and delivered to me. I asked for a refund. After many weeks of hone calls and emails with XXXX, I was told a refund was issued on XX/XX/XXXX. On XX/XX/XXXX I disputed the charge of {$4200.00} with Barclays because I did not receive the refund promised. On XX/XX/XXXX Barclays denied the dispute. I contacted XXXX again and asked about the refund and they told me XXXX issued the refund on XXXX XXXX but XXXX XXXX would issue the refund to my credit card account. I called XXXX XXXX to inquire about the refund and was directed to an automated recording stating their accounting system was not able to issue any refunds and the call was disconnected. I have never received the ring or a refund for the purchase and Barclays should remove the charge from my Visa account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A