Date Received: 2020-07-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a late for XXXX 30/60/90 on my credit however I have paid all minimum payments or larger. They are telling me it will take 3 billing cycles which is NOT acceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96753
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2020 email was sent to Barclay bank asking for forgiveness due to Covid19 Pandemic. Account was not past 30 days late at the time of enrollment into Program XX/XX/2020 Barclay bank confirmed and acknowledged enrollment. The following month Barclay began reporting the account as 30 days late. All phone lines to Barclay were shut off as result to Pandemic. I sent at least 5-6 emails disputing the mistake that went unresolved. In addition, 1 fax was sent in early XXXX. 2 certified mail letters sent to Barclay all UNASWERED and over 2 months ago. In total 3 months of erroneous and incorrect reporting has decimated my credit during the Covid19 Pandemic despite the accounts enrollment into assistance program. Late Fees continued to be assessed as well. Letters and emails specifically cited the violation of CARES act, and provided evidence of enrollment- no correction has been made to date. Last week the final email was sent again citing the law and demanding this time a supervisor 's attention. Two days ago Barclay response " Supervisor reaching out to contact within 24-48 hours ''. As of todayXXXX the account is still reporting 30-60 late. It is worth mentioning : Consequently because of this 30 late reporting +3 months now another creditor XXXX XXXX, After pulling a soft inquiry into my credit last month has apparently seen and learned from Barclays that this okay to do. Since Barclays has gone uncorrected for so long XXXX XXXX has Now has decided to go back in time 3 months previous and to change what had been reporting as ON TIME to now 30 days late -replicating what Barclays started. This error has now caused a domino effect to spiral out of control with now 2 creditors and my credit has been torn apart as a direct result, all while trying to get through a pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
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: 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 about a credit card charge that I disputed to Barclaycard and was denied. The case number for Barclaycard is # XXXX. The Transaction date of Saturday, XX/XX/XXXX and Post Date of Monday, XX/XX/XXXX. The charge is listed as XXXX XXXX in the amount of {$3300.00}. This reserved a XXXX for XX/XX/XXXX-XX/XX/2020 in XXXX, XXXX. Due to the COVID-19 crisis, my flight was canceled and travel is not practical. On XX/XX/2020, I attempted to cancel the reservation and subsequently called and pleaded with them for any opportunity. In the original dispute, I outlined my many attempts to receive a refund or even credit for the transaction. Their own policy states that customers should receive a refund or credit for a future stay. However, XXXX did not hold up their end of the contract to render services based on the money that I paid. XXXX did eventually offer me a very small refund of service fees and a portion of the host charge, which are the refunds in my account ( {$240.00}, {$230.00}, {$0.00} ). However, XXXX allowed the property to become unlisted and converted into a rental, violating their own terms and rendering no recourse for me as a customer that put down thousands of dollars. This is a clear example of service not rendered. Therefore, I tried to dispute the remaining charge of {$2800.00}. In light of the crisis and the fact that I am not even able to use the money towards a future credit by XXXX or the property managers actions of removing the listing, it is only fair that the money be returned to me. Unfortunately, Barclaycard denied by the dispute, despite the fact that the property owner broke their contract with XXXX and I was not offered any services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
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: On XX/XX/XXXX I purchased two round-trip flights to and from XXXX from XXXX using my Barclays credit card. 1 flight was charged under XXXX XXXX and the other charged under XXXX XXXX. XXXX cancelled all international flights starting on XX/XX/XXXX ( XXXX XXXX XXXX ). XXXX cancelled my flights as they were both international traveling to and from XXXX via XXXX XXXX, NV where I reside. My departing flight from XXXX XXXX was originally scheduled to be on XX/XX/XXXX and my returning flight to XXXX XXXX from XXXX was originally scheduled to be on XX/XX/XXXX. When I logged in to view my flight status the day of my departing flight on XX/XX/XXXX, my departing flight number XXXX was shown as missing ( see attached document " XXXXFlightDoesn'tExist '' ). Please see the attached document " XXXX '' that shows my flight numbers. I also attached the document " XXXX '' that says they cancelled international flights starting on XX/XX/XXXX. This was viewed on their website the day of XX/XX/XXXX. XXXX cancelled my flights. XXXX did not give me a voucher or any form of compensation. Regardless, I did not wish to reschedule or otherwise make new plans for traveling. XXXX 's customer service phone lines were disconnected when I tried to reach them. I sent two emails to XXXX 's customer service requesting a refund for my flights that they cancelled. They never responded. I then disputed the two charges for my flights with Barclays. While Barclays credited me for 1 of the 2 flights, Barclays sided with XXXX for the second flight and did not give me my money back for the second flight. The disputed charge ( XXXX XXXX ) for {$300.00} was reposted to my account. This is not right because the merchant, XXXX, cancelled the service I paid for and thus I did not receive the service. According to VISA guidelines regarding disputes, " Merchants are ultimately responsible for issuing a refund to the cardholder when the merchant has cancelled the service. " ( XXXX XXXX XXXX ) The U.S. Department of Transportation also states " A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to travel. '' ( XXXX XXXX XXXX ) I want to reiterate that the merchant, XXXX, cancelled my flights. I did not voluntarily cancel my flights. I filed a reassertion for the disputed charge that was not credited back to me in XX/XX/XXXX via email ( see attached " Reassertion on Disputed Charge '' ) and by postal mail. On XX/XX/XXXX, XXXX indicated they are still on the side of XXXX and refused to credit me the {$300.00} charge. It is unfair that I paid {$300.00} for a flight that was not provided and Barclays seems to think this is appropriate by siding with the merchant despite DOT and VISA guidelines indicating I am entitled to a refund if the merchant cancels and does not provide the service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In reviewing my credit I have two accounts that are not mine. XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Barclay Bank Delaware opened XX/XX/XXXX balance XXXX Find out to whom these belong to because they are not mine. I called both banks and they do not have my social security or my name on these files.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A {$29.00} late fee has accumulated to nearly a {$200.00} in extra fees on a 18 month- DEFERRED INTEREST XXXX XXXX credit card loan. The additional fees make no sense. But they do smack of the insidious and greedy pattern that banks have practiced forever. Some 20 years ago, California and indeed nationally, most banks got busted for this kind of activity. And halted it when the law came down on their heads. Barclaycard is trying to initiate the same sort of semi-legal, sneaky and wholly unethical practice yet again. Here are the details : I purchased a computer at XXXX with a Barclaycard XXXX XXXX credit card which had ZERO interest for 18 months in XXXX XXXX. The 18 months interest free period will be up on XX/XX/XXXX. I called today ( XX/XX/XXXX ) today to pay off the credit card loan. The amount Barclay Card claims I owe is {$190.00} more than I owe. I signed up for the card in XX/XX/XXXX. I purchased a computer, which didn't have the specs I wanted and was returned. I purchased another computer in XX/XX/XXXX. I borrowed {$2000.00}. I paid the minimum amount toward that purchase, which was {$27.00} per month, later it was increased to {$29.00} per month. I set up an automatic payment soon after I got the card. Total amount I paid was {$530.00}. I should owe {$1500.00}. Barclaycard Manager, XXXX ID # XXXX claims that I owe {$1800.00}. That's {$190.00} more in extra fees. The Barclaycard Rep said that there was a late fee in XX/XX/XXXX for {$29.00}, on the first auto payment. They were authorized to charge my Chase Bank Visa card. I didn't send in payment. It makes no sense that there would be a late fee, period. Barclaycard Manager XXXX claims that the {$29.00} late fee has accumulated interest of 13 % totally {$6.00}. It makes no sense how those fees added up to {$190.00} in extra fees. I've called Barclaycard customer service many, many times. I remember I called several times because the amount that the auto recording claimed I owed, was more than the amount I owed. I spoke to a customer service rep who looked into it and told me that the amount the auto recording claimed I owed was wrong. He said not to worry about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/2017 i was hit with a 30-59 late payment on my barclays credit card due to a yearly fee that i was unaware about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
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 My Barclay XXXX XXXX XXXX Mastercard was charged 4 times for concert tickets from XXXX XXXX XXXX XXXX totaling {$4900.00}. I did not make these charges- they were the only charges on the card. I was out of town and was injured so came home. I did not realize my backpack with my planner was not with me. I received a bill in XXXX with the charges on it- I called Barclay and was told to dispute it. I did. My mom came to town to help me. She paid off my card not knowing about the dispute. SO Barclay was accidently paid for the disputed charges in XX/XX/XXXX. I requested my money back in XXXX and XXXX Barclay never sent the money back. XX/XX/XXXX, I receive a letter stating I am responsible for the 4 fraudlent charges because box office ticket sales knows my personal information. All of the information is on my facebook page, planner or public information. I hire an attorney to help me. I discover the charges were for concert tickets in XXXX and XXXX. I was and still am injured- physically compromised. THEN I get a bill in XXXX reopening my credit card with 3 more of the 4 disputed amounts being charged to me again!! So now I have paid off the disputed amounts and am being charged again for 3 of them totalling {$3900.00}. My attorney can not get Barclay to answer him, I have filed a complaint with NC Department of Justice Attorney General- they can not get Barclay to answer them. They sent me to you. i have spent over 120 hours and countless avenues trying to get this resolved. barclay does not see their rebilling error and has denied me any help with the fraud or dispute case. I have spoken to their manager, collections attorney, investagtion department all without any assistance.It takes over 3 hours to get anyone on the phone XXXX XXXX XXXX. HELP ME PLEASE!!!!!!!! I am out $ XXXX for annual fee and am being asked to pay for rebilling error of {$3900.00}!!!! I have contacted XXXX XXXX XXXX XXXX and they were paid for 4 charges not 7. They stated the tickets were not used. So barclay has not paid the merchant for their rebilling error!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My card was closed without notice. and I have XXXX points that is now in limbo. I would like to get paid out at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
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 XXXX flights ( XXXX and XXXX ) were canceled on XX/XX/XXXX. In the cancelation email, it stated that I was entitled to a full refund or a credit. I tried to follow the steps on their website to get a refund, but their system repeatedly told me my flight number was wrong. I tried to reach out to them through their chat many times and never was able to contact them. I went to XXXX Barclays and disputed the charge. The amount owed to me is {$190.00}. I was given a provisional credit that was taken back. On XX/XX/XXXX, I received an email from XXXX saying they gave a credit. This is why Barclays took the money back from me. I told them multiple times that I wanted a refund and was entitled to one. I was then instructed by XXXX Barclays to provide additional information in the next 10 days, to keep the dispute open. I sent them a fax with all the information on XX/XX/XXXX and still have got my money back. It became a manager case number, but have not heard anything from them since I missed a call from a manager. I tried to call back but didn't reach anyone. Their customer service is horrible and the agents on the phone can't give you any information to help you get your money back. This dispute has been going on for way too long and Barclays needs to step up and help people who are affected by Covid-19 get their money back.
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: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A