Date Received: 2020-06-25
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 filing a complaint against Barclay US Credit Card regarding my registered Dispute # XXXX Barclay Card ending XXXX. On XX/XX/2020 I purchased an XXXX XXXX {$4100.00} a round trip first class ticket XXXX/XXXX. This flight was cancelled due to COVID19 and to date I have been denied two occassions by Barclay in writing that they get will not be involved with the dispute. I am stonewalled and an honest consumer with rights. They stated in a letter to only return to the vendor to get me money back and denying they are responsible to be involved. I have been in touch with XXXX XXXX for 4 months, but COVID has caused the phones to not be answered and the XXXX office closed. I have reached them by email and they agree to a refund but none has come over the 4 months of receiving emails back. They keep saying money is coming. It may come, but if it does not I am out the money. The ticket was cancelled and it is refundable ticket as its First Class. The issue is no money. I have sent a lot of documentation to Barclay and do not think they are reading or following US consumer law on this matter, reading the fact its a cancelled flight. A manager called XXXX spoke with me and requested to re-fax my confirmation email about refunds being due from XXXX XXXX, but no promise. Speaking to Barclay is difficult at best even with the long phone waits. They are stating each new fax of documents or management call back can be a week or more. And they are not advising me on my rights to that this flight cancelled. Also, poor overseas support are contributing to a difficult with constant cultural and elocution problems. The dispute lines will not tell you anything about your case, just that your denied and if they do its inconsistent call to call. In my opinion Barclay is not providing the consumer with transparency regarding what is needed to help them understand US consumer protections I and others have. They keep advising me they must follow their policy, when I keep saying and proving the flight is cancelled due to COVID and the ticket refundable. T This Dispute is valid and needs to remain open until a refund from XXXX XXXX comes or Barclay provides. I have filed complaints with the DOT, FTC and Mass Attorney Generals Office I am very concerned what they are doing is happening to other consumers. Attached is the most current cancellation/refund correspondence from XXXX XXXX, they are now saying its 7-10 days, but they have promised its in process in the past, its 4 months! Note I purchased this ticket for my sister XXXX XXXX who was flying with me to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
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: Below is a dispute letter I sent my credit card company on XX/XX/XXXX along with all the documentation I have attached which was my second dispute because they declined my first one. Since then, every time I call them, I get the run around. I called them on XX/XX/XXXX to check on the status and the person tells me that I shouldn't have opened another dispute because the first one was still open even though they sent me a letter on XX/XX/XXXX declining my dispute. So the lady tells me that she is updating my case and that XXXX has until XX/XX/XXXX to respond to the dispute and that I would know something by then. It is now XX/XX/XXXX and I just called Barclay again and still nothing has even been investigated. I am hoping that someone can please help me with this. On XX/XX/XXXX I booked an all-inclusive vacation with the online travel agency Bookit.com. {$4900.00} was charged to my Barclay credit card account on XX/XX/XXXX which was then paid off with my monthly payment at the end of that billing cycle. I received an email on XX/XX/XXXX confirming my reservation from XXXX. Please find the attached copy of this email. As you can see, I was due to fly out with XXXX XXXX to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX announced they were closing all call centers and that all resort bookings would be cancelled automatically. ( See attached notice from Bookit.com ). Additionally, that they were unable to refund any money to customers and that they should contact their banks or credit card companies for refunds. On that same date, I received an email from XXXX stating my credit card had received a credit for my booking of {$2300.00} which it did not and furthermore, that amount is not the full amount I paid for my vacation. After receiving that email, I called Barclay on XX/XX/XXXX to file a dispute. The lady I spoke to took down all my information but did not ask me to send any documentation. She simply stated they would investigate and get back with me. I received a letter from Barclay on XX/XX/XXXX stating they were unable to pursue credit on my behalf as the chip on the card was read and validated during the authorization process and CVV confirmed. This was not the reason for my dispute as I stated to the lady I spoke with. I am not disputing that I did not make the purchase, I am disputing the services not received. Due to XXXX closing, they have shut down all phone lines, emails, and website leaving no way for customers to make contact to pursue a refund or credit. Therefore, I am requesting that you open another claim for a chargeback of {$4900.00} for services not received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47630
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Barclays Bank called me multiple times over the past month using robocalls from phone number XXXX XXXX XXXX I was disputing the amount in question as fraudulent transactions. This bank is ruthless in pursuing consumers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
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: Letter of Complaint : Refuse to Validate Debt Beginning in XX/XX/2019, Ive disputed the debt with the major credit bureaus, as well as Barclays Bank. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX does not respond, or update the account. I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, BARCLAYS BANK DELAWARE XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
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 a charge called XXXX XXXX for XXXX posting on XX/XX/2020 was an XXXX transaction where I bought a XXXX case and its fake - looks nothing like the pictures - its a pasted decal on a plastic case selling as some real designer case. XXXX closed the seller down and threw them off the site so I cant contact the seller where it states it was coming from CA - the item is fraudulent- the seller you cant get a hold of bc XXXX pulled them off for this and Im not paying this ... so either you credit me and take it up with them or Ill have my attorney write you personally. Your choice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Barclays US - I signed up for Barclays last year under a XXXX point sign up bonus under which I am to spend {$5000.00} in the span of 3 months to receive. However, Barclays negligently mishandled my account and applied the WRONG social security number onto my account. We found this out about 2 months in. At which point Barclays LOCKED my account. -I had no access to my account, no access through the website and virtually no access to the account through the phone. During this time, -I can not use the card -I can not make payments to the card However during this time, Barclays continues to charge me late fees on an account I am not allowed to access or make payments to. I submitted all required forms of verification documents, including drivers license, social security card, etc. I submitted all such documentation approximately 5-6 times through the fax numbers provided by Barclays. Barclays took an exorbitant amount of time to solve the issue they created when one of Barclays employee 's mishandled my account and it's social security number. During this time I incurred late fees totaling : {$170.00} After the account was restored to normal status. I am left with a {$170.00} charge in late fees, the accompanying late payment reports on my credit report, destroying my credit score of over 800, and Barclays refuses to give me the XXXX points which I did spend over {$5000.00} for, after access to my account was restored. XXXX points is equal to {$700.00} in direct value and can be worth over {$1000.00}. Barclays messed up and charged me money for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
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 planned cruise expected to sail XX/XX/XXXX through XX/XX/XXXX was completely cancelled 2 days prior to sailing. The cancellation was a result of a mandate from the US government to prohibit all sailings by law due to COVID-19. This was something 100 % outside of my control and I had every intention of attending the cruise until the cancellation. The transaction is valid and this is not a case of fraud, but the fact of the matter is the entire cruise was cancelled and the company is refusing to provide a cash refund. Not only is Celebrity acting unethically but this can be questioned legally, by not providing cash refunds for a trip that never occurred. Ive requested twice over dispute for Barclays to resolve this and theyve been of no assistance. Ive sent several documents and supporting details capturing the details around the cancelled cruise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
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: XX/XX/2019 XXXX XXXX XXXX Tried to dispute the charges of XXXX to credit card company I was never given any products or services from XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I Have requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A