Date Received: 2020-06-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am complaining because my current credit company is holding my received payment for 7 business days claiming that they need this time to validate that my payments will not be rejected by my bank eventhough the money has already been withdrawn from bank the next day. I never had a situation like that before and put me at a disadvantage. I was never late and I been a member for more than 5 years. Here is the explanation that I have received from the customer sevices. Thank you for contacting us about your XXXXX Airlines XXXX XXXX Mastercard. Wed like to inform you that an available credit hold is placed on an account as an authorization for the payment amount. The available credit may not be released immediately since the delay allows us to confirm the payment funds have cleared. Please know that we may delay increasing the available credit due to the fact that payments are not guaranteed, as they can be recalled by your bank. When this occurs, the available credit is held for 7 business days and released as of XXXX XXXX ET on the next business day, as long as the next business day is not a holiday. Our records indicate the payment information is as follows : Payment Amount : $ XXXXX Payment Received : XX/XX/2020 Release Date : XX/XX/2020 Funds Available : XX/XX/2020 We apologize for any inconvenience this may cause ; however, were unable to release the available credit hold at this time. Since payments can be returned or recalled by your bank for up to 7 days, we generally place this type of hold until the payment is completely processed and the funds are guaranteed. Please know that your credit will be made available to you, after the hold has been removed. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: XX/XX/2020 XX/XX/2020 I tried to call Barclays Credit Card department but their phone system is busy and unable to reach a representative quickly. Waiting time was long over 1 hour then I decided to send a message to them at my credit card account online. My major request was addressed to replace a new credit card after fraud charges by XXXX XXXX incidents. I contacted XXXX XXXX and they resolved this issue and credited all back to my credit card account. Barclays ignored my messages XX/XX/2020 and XX/XX/2020 and refused to process my request for a replacement new credit card with new digits. They failed to protect me as a consumer and card holder. Since 2 months past and there is a lack of attention and a full ignorance by Barclays Credit Card Department with my request for a new credit card after fraud incidents with XXXX XXXX. I attached 2 files as evidence about Barclays ' negligence and bad customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/20, I logged into the Barclays website to request a credit line increase for my Uber Credit Card. I submitted the CLI request and immediately received notification from various credit monitoring services that a hard inquiry was placed on my credit report ( s ). I did not approve or acknowledge this hard inquiry, nor would I have proceeded with the increase request if a hard credit report pull was being conducted. There is/was no disclaimer or opt-in for approving or acknowledging a hard inquiry. This is normally disclosed by a credit card issuer prior to submittal of credit line increase request. I have a screenshot of the page and there is no disclaimer informing the consumer that a hard credit report is inquiry is being made. This is extremely misleading. I would like Barclays to show where and how on the Credit Line Increase request web page where the consumer " opts-in '' and/or agrees to a hard inquiry on their credit report. Please show this page as published on XX/XX/20. In summary, this was an unlawful, unapproved credit inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
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 little boy accessed my Barclay credit card which is tied to my XXXX account without my permission. He proceeded to go on an unauthorized shopping spree not knowing that it was costing real money, It wasnt until I checked my credit card statement that I noticed he had made a bunch of charges that are listed below. I contacted the credit card company and they imediately reversed some of the charges. They are refusing to credit the rest of the charges. My son is under age and used my card without my permisson. I don't see how they can hold me responsible for unauthorized charges made by a minor. I have contacted XXXX XXXX XXXX and they are refusing to refund the charges. I told them I would delete the downloads or send them the XXXX console. They still refused and now I am blocked from contacting them. XXXX XX/XX/2020 {$99.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$1.00} XXXX XX/XX/2020 {$49.00} XXXX XXXX XXXX XX/XX/2020 {$39.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$9.00} XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$14.00} XXXX XXXX XX/XX/2020 {$5.00} XXXX XX/XX/2020 {$5.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$36.00} XXXX XXXX XX/XX/2020 {$5.00} XXXX XXXX XX/XX/2020 {$10.00} XXXX XXXX XX/XX/2020 {$10.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73401
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My mother XXXX XXXX made me an authorized user on a Barclays Banks Account on XX/XX/XXXX. It clearly states on the account and on their website that I am an authorized user not a joint applicant and am not financially responsible for any debt incurred on the account. ( See attached screenshot of their website ). On XX/XX/XXXX I sent a certified letter to Barclays with the attached documentation and I have made numerous calls with no response. I never entered into a contract with Barclays or gave them any information to become a joint applicant on this account. In XXXX, when I was added as an authorized user, I was a college student with no income. My credit score was XXXX and dropped to XXXX because of their mistake. I had a credit card cancel my account and I currently can not get a loan for the new car that I need for my employment. Their mistake has caused me financial harm. I have a clean credit history an no other delinquencies on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Barclay 's Arrival Plus MasterCard that I pay an annual fee to earn travel dollars. I currently have over {$300.00} in travel dollars to redeem. Because of COVID, I am unable to redeem the miles for travel and they are due to expire soon. I contacted Barclay 's via telephone around the first of XXXX ( the gift cards were purchased on XX/XX/XXXX ) and asked the customer service representative if I could purchase travel gift cards with my travel miles. I was assured by the CSR that as long as the gift cards were purchased through the airline and showed up on my statement with the airline 's name that I could redeem my travel points. Now they are denying the redemption of my points. There should be a recording of our phone conversation and the CSR should have noted this conversation in my customer file. After calling them and recalling this situation, they responded with a letter denying the redemption of my travel rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99301
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Barclays bank - not authorize charges XX/XX/2018 XXXX XXXX not my account ( made a police report about identity theft in NY XXXX so far didnt get any resolvement ) i went to my friends wedding in XX/XX/2018 in XXXX. when i went out with my friends i got an alert in my phone that my card was charged and it sounded like fraud. i contacted the credit card company and called them right way and they said they will dispute the charges and send me a new card by the time i get back to NY. i went back to my hotel and found out that my bag was stolen from my room. i called hotel security but they didn't take any serious action. they didn't even speak XXXX. i lost my jewelry, camera, laptop and more valuables in a different country. was XXXX broken and came back to NY, and after 3 months i saw the Credit card company put the charges back, and i asked them for the necessary documents of those Unauthorized charges, and didn't get any feedback. i am not in a position to pay for something that i didnt Authorize. the interest are adding up and in 2 years this is hurting my credit. i have always paid my bills on time. and paid off everything and always had a great credit score and reputation. and now my reputation is ruined. i cant start a business nor buy a home, for something that i didnt do. please help me. please ... best regards XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
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: Hello, I've had the Barclays XXXX XXXX Mastercard for over a year. I decided to get the card because I'd been doing a great deal of travel and aside from its XXXX points benefits, one of the selling points of the card was travel insurance. I had a number of travel arrangements planned for XXXX when COVID hit. This resulted into three different charges I needed to dispute because the airlines would not give me a refund or credits towards future flights. When I contacted Barclays, customer service was nice over the phone and gave me the impression they were going to make things right, but they did not. Below is an excerpt from a letter/fax they required me to send to them outlining my issues with the three disputes, including dates and charge amounts. I've also attached a PDF of the letter, which includes screenshots and ample evidence backing up my claim. Weeks after receiving this letter, Barclays sent me three brief letters, one per dispute, simply stating " We are unable to override the merchant 's no refund cancellation policy that was agreed to when making the purchase. '' What I find to be repressible is every time I've called to follow up on their refusal to credit my Barclays account, the customer service representatives have stated untruthful information about my claim. For example, on my most recent call, Barclays told me XXXX had offered me credit for my flights, which was not the case. They told me there was nothing I could do. When I initially called Barclays about this dispute, I specifically asked the customer service representative if I should cancel my flights while the charge was being disputed, and the customer service rep told me to cancel it. Those flights ended up being cancelled by the airline a few weeks later, meaning had I not cancelled on my end, I would have received credit. How is Barclays, a multi-billion dollar company, not liable for this? How am I stuck with the nearly {$1000.00} in charges? I would have NEVER cancelled my flight had they not specifically advised me to. Aside from being completely unethical, how is this even legal? Like I said, below is a more detailed breakdown. Any help would be greatly appreciated. Supposedly one of their higher up dispute managers is going to be calling me, but it's been three days since I last spoke to them and I haven't heard a thing. This letter is in regards to three different chargeback disputes : XXXX XXXX XXXX I am writing to request to continue my case with all three of these. The reasoning for my disputes being initially declined was : We are unable to override the merchants no refund cancellation policy that was agreed to when making the purchase. Lets start with XXXX. My charge was processed on XX/XX/2020 for the amount of {$160.00} from gotogate_us_us XXXX. The charge was for a flight booked on the airline XXXX. The flight was scheduled for XX/XX/2020. On XX/XX/2020 I received an email from XXXX stating that XXXX filed for bankruptcy and that my flight would no longer be happening. In the email from XXXX they state this : Ive been booking my travel with my XXXX XXXX Mastercard arrangements under the impression I would receive protections in events like this. Since my flight never happened and the airline no longer exists, I am requesting this chargeback. If you go to XXXX official website, you can clearly see that they filed for Bankruptcy after I booked my flight and before my flight was scheduled to depart. Below you will find screenshots of emails confirming my initial flight information, XXXX response, and the home page of XXXX website, re-iterating everything Ive claimed in this letter. Now for XXXX and XXXX. These are two different charges from the same airline, XXXX XXXX. The first charge was processed on XX/XX/2020 for the amount of {$460.00} from XXXX. This flight was scheduled to take place on XX/XX/2020 from XXXX to XXXX. When COVID-19 caused the festival I was traveling to postpone, I contacted Norwegian immediately and they denied to give me credit for a future flight, I then contacted a Barclays representative on XX/XX/2020. The Barclays representative advised me to then cancel my flights with XXXX. I have learned in the time since canceling and being denied credit from Barclays, that both my flights were cancelled. Had I not cancelled the flights on my own, I likely would have received credit from the airline. I would have never cancelled, had I not been advised to by a Barclays representative. The second charge was processed on XX/XX/2020 for the amount of {$490.00} from XXXX. This flight was scheduled to take place on XX/XX/2020 from XXXX to XXXX. When COVID-19 caused the festival I was traveling to postpone, I contacted Norwegian immediately and they denied to give me credit for a future flight, I then contacted a Barclays representative on XX/XX/2020. The Barclays representative advised me to then cancel my flights with XXXX. I have learned in the time since canceling and being denied credit from Barclays, that both my flights were cancelled. Had I not cancelled the flights on my own, I likely would have received credit from the airline. I would have never cancelled, had I not been advised to by a Barclays representative. Below you will find screenshots proving that the flights were eventually cancelled, as well as my initial booking information. Please do what you can to rectify this situation. Thank you for your time. XXXX XXXX
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: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Barclays Bank offered a settlement ( in writing ) in XXXX XXXX, for a credit card debt with them ( 35 % of the total balance ). All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They didnt acknowledge the final payment was made, and demanded the entire balance. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX in XXXX. Now in XXXX, the last few months XXXX XXXX is aggressively pursuing the entire debt, even to the point of sending the debt to a debt collection law firm, I assume to file suit. As XXXX XXXX investigates my disputes of this debt, all they are getting from Barclays Bank are credit card statements showing the total amount of the account and total debt which was sold to them. There is no acknowledgement of the settlement agreement which was offered and put in place by Barclays Bank, or that I paid the agreed upon payments according to the agreement. They apparently just did not take the last payment so they could claim the agreement was not fulfilled, thus allowing them to charge off and sell off the entire balance. I have kept copies of the agreement and statements from the bank used to pay the 4 agreed upon payments, so that will be my evidence if this comes before a judge. Those documents are uploaded with this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
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: An a unauthorized charge of {$100.00} was made to my credit card on XX/XX/XXXX. After repeatedly writing to this bank and proving I did not authorize this charge, received no goods in return for the charge, and according to banks own terms and conditions I should not be liable for this charge, the bank refuses to remove or credit the amount, gives me a different reason for its refusal each time, will not even sign their letters with a person name or contact. I have proven my point. Ive never had such trouble with a bank in my life. Im XXXX, old, sick and tired of fighting this battle with them! But almost {$110.00} is a lot of money to me. Plus, the principal of the issue is this is a fraudulent, unauthorized charge and I do not believe I am liable for it. Im pursuing a separate claim through other agencies against the so called company that made this charge. I want the bank to stand by its terms and conditions and remove this fraudulent amount!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93010
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A