Date Received: 2020-05-28
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: I applied for a frontier barclays credit card and cancelled it a few days later. I never used or received a card. I was charged a $ 80+ annual fee which I disputed, because I had cancelled the card before I received it. I was told by multiple reps to disregard the bill as it would drop off. Then when I was applying for a mortgage it was on my credit history of being delinquent for 90+ days. Barclays sent me a letterhead stating it would take 30 days to resolve on XX/XX/XXXX. This is still showing up on my credit report on XX/XX/XXXX ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I applied for an XXXX XXXX XXXX MasterCard credit card from Barclays Bank Delaware under a promotion that said I would receive XXXX bonus points from XXXX XXXX and pay no annual fee for the first year after making the first purchase. The brochure with the offer stated that the offer expired on XX/XX/XXXX. On XX/XX/XXXX, I received an email back from Barclays informing me that my application was received. I received an email on XX/XX/XXXX informing me that my application was approved and I made the first purchase on the card on XX/XX/XXXX. I never received the XXXX bonus miles and I was charged an annual fee of {$99.00} for the first year. My son XXXX and I called XXXX MasterCard on XX/XX/XXXX and explained that I applied for the credit card under an offer that stated I would receive XXXX bonus miles and no annual fee for the first year if I applied by XX/XX/XXXX. The customer service representative told me that their records showed that I didn't qualify for the offer because I applied for the card on XX/XX/XXXX. The customer representative said that a case would be opened to investigate and I was given a case number ( XXXX ). On XX/XX/XXXX, my son XXXX sent a letter to XXXX MasterCard explaining that I applied for the card on XX/XX/XXXX under the promotion in effect until XX/XX/XXXX for XXXX miles and no annual fee for the first year. He included a copy of the front page of the brochure with the offer and a copy of the email I received on XX/XX/XXXX stating that my application was being reviewed. A copy of the letter is enclosed. Several weeks later, I received a letter from Barclays stating that I would not receive the bonus miles and that I was required to pay the annual fee. On early XX/XX/XXXX, my son and I called XXXX MasterCard and asked why I was not going to receive the bonus miles and was required to pay the annual fee for the first year. The customer representative said that the reason was that although I applied for the credit card on XX/XX/XXXX, which was the last day of the promotion, the application was not approved while the promotion was in effect. She said that I would only qualify for the promotion that was in effect when my card was approved - which was XXXX bonus miles and a companion certificate for XXXX XXXX. She said that I would receive the bonus miles and the companion certificate if I paid the {$99.00} annual fee. I stated my objection to this response and stated that I should receive the offer that was in effect when I applied for the card. She said that there was nothing else she could do, so I agreed to pay the annual fee and receive the XXXX bonus miles and the companion certificate. I paid the {$99.00} annual fee on XX/XX/XXXX. However, I never received the XXXX bonus miles or the companion certificate. After several weeks, I called Barclays and asked when I would receive the bonus miles and certificate. I was told that I would not receive any bonus miles or companion certificate because I did not apply for the card when that offer was in effect. This is the opposite of what I was told on XX/XX/XXXX. When I explained that I applied on XX/XX/XXXX when an offer was in effect, the Barclays ' representative said that they would open another investigation and get back to me. I later received a letter from them stating that they were unable to give me any bonus points or a companion certificate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68046
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
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 airline ticket online from XXXX XXXX XXXX website on XX/XX/2020 using my Barclays Master Credit Card ending in XXXX. Travel date was XX/XX/20 and XX/XX/20 from Washington DC to XXXX. The flight was cancelled in XXXX due to Covid 19. The airline has not refunded the money or responded after many attempts via phone, email, and online submission. I disputed the charge with the Credit Card company in late XXXX, and made repeated attempts in XXXX, XXXX and provided additional information they requested. On XX/XX/XXXX, Barclays card sent me letter saying they are unable to pursue credit since the chip on the card was read and validated, or the card was present and CVV confirmed. As I mentioned, it was a online purchase. I demanded Barclays provide evidence of reading the card or physical transaction record. OnXX/XX/20 Barclays sent a letter saying that they are unable to complete my request and that's the end of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The following creditor did not contact me nor did they send me statements on my promotional purchase XXXX via XXXX XXXX. In both XX/XX/XXXX and XX/XX/XXXX they marked my payments as late. XX/XX/XXXX specifically - was the date that no statement or invoice was sent and I was not contacted. I had no way of paying this debt due to a lack of information provided. In XXXX, I contacted them - because I noticed on my credit report that they had filed a Late Notice in XXXX. I paid the debt in FULL and was reassured that they would not mark the account as LATE. Simply Closed. How is a consumer supposed to pay a creditor if the creditor does not send statements? I never receive email or phone calls despite the fact that it appears they had this information. I suspect because this was a promotional period whereby no interest or fees were supposed to be assessed, that they intentionally did not make good faith efforts to contact me. I believe that Barclays Bank engages in behavior willingly and knowingly to defraud customers and make them ineligible for the promotions that they sell. I will never do business with this bank again and suggest that others do the same. Barclays Bank XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
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: The card involved in this issue is a Barclays US Visa. I ordered some merchandise online on XX/XX/20 which posted to my Barclays card on XX/XX/20. It never arrived. I contacted the seller on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. They initially replied to the first email from XX/XX/20 on XX/XX/20 and said it was on it's way and then they never replied again. I filed a dispute Barclays on or around XX/XX/20. They never contacted me to resolve my dispute and just sent me a letter dated XX/XX/20 saying that they were closing my case and not crediting me the {$110.00} that I was charged by the merchant since the merchant provided proof of shipment and delivery. After I did research I found out that the merchant had sent me just a swatch of fabric in an envelope ( so they could provide tracking if asked ) and not the merchandise I purchased ( I was trying to purchase a pair of leggins and a shirt ). Once I saw that Barclays had closed my dispute I sent them a letter to the address the provided in their letter with the 10 days after receipt that they requested that I get back to them if I had more information. I provided all my emails to the merchant, a photo of the swatch I received in place of the merchandise I ordered, documents showing the links for the merchant were now no longer good and a letter explaining what happened. ( I still have copies of all and am attaching below. ) I also tried to call Barclays XX/XX/20 and XX/XX/20 and could never get through to anyone. I was on hold for over 45 min and then was disconnected. I did get a call back from a dispute manager, XXXX, almost a month after I sent the letter and I explained what happened and she said there was nothing they could do as I originally opened the dispute as " no merchandise received '' and since I got the swatch it wasn't a " no merchandise '' dispute it was " incorrect merchandise '' dispute and now since it was filed that way there was no way to change it so I was out of luck. I advised that this merchant was committing fraud and they said they there was nothing they could do and the {$110.00} would stand on my account. I asked to close my account immediately and she said she couldn't do it but she would transfer me to a customer service agent. She put me on hold. XXXX then came back on the line and said they were all busy and they would have to call me back. No call yet. Of course, another delay with this company. This is what they are supposed to do as my creditor. So as of now, I have nothing accomplished with Barclays : I have to pay for the {$110.00} fraudulent charge and they won't even let me close my account. Barclay Case ID : XXXX Manager Call Back Case # : XXXX ( XXXX at Barclays )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I own a UBER Visa Credit card with Barclays US. I owned the card for over a year and accumulated worth of {$170.00} points/rewards. I am having financial difficulties paying down my balance so I requested them to use my points and redeem them toward my credit balance to pay down the balance. They are not willing to do that and they are basically telling me my only option is to redeem my point to Uber app and used Uber services. I do not use uber services, I did not know about this policy while I was using the card for my purchases, and I really need my {$170.00} to help me to pay off my credit card balance. I have been having long conversations with the credit card company but they are not willing to accept my request. My complaint is why a credit card company should be able to force me on how to spend my points? Please review and help! Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a notification from XXXX XXXX about an account being delinquent. The account was noted as opened XX/XX/2020 with a balance of {$99.00}. I am not familiar with this account. The account was listed as a Barclays Delaware account. I tried contacting them at XXXX and was on hold for an hour and 42 minutes before the call terminated. I also visited their " Contact Us '' page and followed the suggestion to message their XXXX account XXXX XXXX and also did not receive a response. I am unable to resolve this with the company and that is why I am filing a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: To Whom It May Concern, I am looking over my credit report and for the past few months XXXX is the only company that show 's my barclay 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as barclay 's. I have provided a screen shot of XXXX showing I have a barclay 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
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: Trip paid to XXXX XXXX in the amount of {$3000.00} on XXXX XXXX 2020. Trip was cancelled by merchant ( XXXX XXXX ) prior to trip departure date. Merchant cancel date : XX/XX/2020 XXXX dates paid for : XX/XX/XXXX - XX/XX/2020 XXXX services were rendered by the merchant. Refund requested but merchant would not provide refund for services not rendered. I contacted my credit card company, Barclays - XXXX XXXX XXXX XXXX Mastercard and discussed the dispute. I was informed to fax and mail in documentation. Documentation faxed XX/XX/2020 and put in USPS same day. I recently received an outcome letter that " they are unable to pursue credit on my behalf and that the merchant would be issuing a future travel credit. '' This is unacceptable. The merchant violated the contract by cancelling/not rendering services on the contracted date. My credit card company is not acting on my behalf in rectifying this billing dispute. This was a family trip. My sister, who filed a dispute through XXXX XXXX, has already received her refund. No manager is available to assist with dispute at Barclays - XXXX XXXX XXXX XXXX Mastercard and there is an estimation that I would receive a call from Barclays - XXXX XXXX XXXX XXXX Mastercard in 5-10 business days. Barclays - XXXX XXXX XXXX XXXX Mastercard is not resolving the issue with the XXXX XXXX.
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: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclay Card US Uber VISA Card changed their rewards program completely without informing customers. When I originally signed up for this credit card, they offered a percent back on " Dining & Entertainment '' and because of that I immediately began using the credit card for all of my dining. I have spent many thousands of dollars in the last year and a half of owning the card, but in XXXX of 2020 they changed the rewards program from allowing me to choose how the rewards are applied, to forcing me to create an Uber account and apply the rewards to that account. The problem is that I don't have an Uber account, and do not want to open an account. When I originally opened the credit card, this aspect of the card was not required to take part in the benefits program, and I was never informed that it may change. I was never informed that it DID change either. But now I find in the last week when I went online to redeem my rewards I can no longer do so because I don't have an Uber account. This entire time I've been using the credit card with the intention of using the rewards program in the exact same way they told me I would be able to use it when I signed up. I understand that some of the finer details may change, but now they've completed the bait and switch technique and are refusing to allow me to redeem the rewards that they promised me when I signed up for the credit card.
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: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A