Date Received: 2020-05-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello, I am concerned about Barclays ' accounting system. I had a negative balance on XX/XX/2020 for XXXX cents. Barclays did a " Balance Adjustment '' and debited my account XXXX cents to bring it to a zero balance. I am concerned how much money Barclays is pocketing if this is happening to numerous customers. This is not the only time that it happen to me. On XX/XX/2020 I had a negative balance of XXXX cents and again they did a Balance Adjustment and debited my account XXXX cents to get to a XXXX balance. So in two months they put XXXX cents of my money into their pockets. I understand that it is only XXXX cents but I am looking at the big picture in that if they had a large number of customers this can add up to be a large dollar amount. It just seems like a SCAM and would like to know where does this money go?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a Barclay Upromise card and noticed a charge that we did not recognize on XX/XX/2020. I tried calling Barclay right away but was on hold for 30 minutes and then decided to email them securely. They responded XX/XX/2020 and suggested I try calling the merchant, which I did. It seemed clear it was fraudulent and so I called Barclay again. After waiting a 1.5 hours, I hung up and emailed again. They responded to the email and said they had to speak to me in person. I called them and was on hold waiting for a representative for 3 hours. It then took 45 minutes for them to help me get a new card. This is a total of almost XXXX hours today. Who has this kind of time?? Especially for a time-sensitive situation? I did receive resolution to this but I want it recorded that this was an unacceptable wait time for customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68135
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I never opened credit with barcley. I attempted to contact company several occasions to clarify debt on several occasions up to recently. In 2018 they sent me a letter stating they were unable to verify debt. Therefore according to legal Fair Credit This item needs to be removed from credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: inquiries on my accounts on my credit reports thats not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My account with Barclay has been paid off less the amount of {$15.00}, a payment has posted as of today, XX/XX/XXXX, bring the account to this balance. This amount is in dispute, a NSF fee which will not be paid. As stated in numerous past CFPB complaints, I was unaware Barclay resubmits payments for processing, if returned the first attempt. on XX/XX/XXXX a payment in the amount of {$50.00} was returned after second attempt ... ... I made a replacement payment which did in fact clear, contrary to what a XXXX XXXX claims. Had I known Barclay resubmits payments, I would not have made a replacement payment. XXXX left her number to reach out in prior CFPB replies, a total of three messages left, not one returned. As stated above, this amount, {$15.00}, will not be paid ... Should account sent to collections agency, the issue will be explained and more than likely, account referred back to Barclay. I am sure any reasonable person, unlike XXXX, will see fee is not valid and will cease and desist.
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: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: AGREED PAYEES : BARCLAYS BANK XXXX ; XXXX XXXX XXXX PERPETRATED A SCAM TO DEFRAUD ME OF MONIES THAT WAS INTENTED TO BE DISPURSHED BETWEEN ( 7 ) CREDITORS UNDER A CONTRACTUAL DEBT CONSOLIDATION AGREEMENT. XXXX XXXX XXXX PROCESSED A DEBT CONSOLIDATION CONTRACT THAT WAS NOT VALIDATED BY THE CREDITORS. I, UNDER THE IMPRESSION PAYMENT WERE CREDITED LATER ESTABLISHED THAT XXXX XXXX XXXX IS UNDER INVESTIGATION AND PROMPTLY CEASED PAYMENT TO THE COMPANY. ON XX/XX/2020 BY CERTIFIED MAIL ( 7 ) CREDITORS WAS INFORMED OF THE POSITION AND REQUESTED THE OUTSTANDING BALANCES BE RE-NEGOIATED. I FURTHER REQUESTED THAT A NEW PAYMENT PLAN BE CONSIDERED BASED UPON RECALCULATION AND MINUS OF MONIES OF WHICH I AM PERSUING XXXX XXXX. FOR THE RETURN. ALL CREDITORS FAILED TO RESPOND TO MY PAYMENT OFFER AND INSTEAD CHOSE TOO REPORT THE ACCOUNT AS DEROGATORY IN A CHARGE OFF POSITION. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hi, I'm filing this complaint against - BARCLAYS 's Credit Card with XXXX Rewards. I'm using this card for a long time ( >6 Years ) and I always have used this card for my purchases at XXXX because of the benefits they provide on purchases made at XXXX. Visit this for more info- https : //www.barclaycardus.com/apply/financingeducation/ The above link has all the information that you need to know before using this card. Apart from that I never had any other information until today. Basically, there are two benefits - 1. You earn XXXX points when you make a purchase 2. Your purchases go into special financing options so you can pay that within that time frame to avoid interest charges. Now, just today I got to know from the Barclays customer service ( Supervisor ) that for 2nd benefit, you need to call them to find if that special financing option is available or not before making any purchase. I called them because I was getting interest charges from the last couple of months on one of my XXXX purchases and I was not sure why it was happening even when I am making payments ( more than minimum payment ). When I called them they told me the time I made the purchase the promotion was not going on and you should have called us to determine this ... The complaint that I need to file is - They did not specify this requirement to the customers? How would customers like me get this information? Nothing is mentioned about this on https : //www.barclaycardus.com/apply/financingeducation/. When they sold the card they mentioned the 2 benefits and that's why I was using the card for a long time and now suddenly after so many years they stopped automatically special financing promotion and started a new requirement of customers call them and ask for this? There was no communication on this change to old customers as well? During the COVID - their phone lines were not working. They were playing automated messages on their customer lines to send a message instead of a call. I sent them 2 emails, followed up with them for 2 months but nothing happened. Today after I see another interest charge I tried to call them and luckily got connected. But during the call, they told me I did not call to confirm the promotion? How would I know that I need to call? And how would I call when your phone lines were down during the COVID? I'm not sure what would happen with this complaint. Whether any actions will be taken on them or not but as a customer they have given me a lot of mental stress. They were not supportive and they were talking like it's my mistake that I did not call and I confirmed about the promotional benefit. Being an old customer, today I'm very upset with their service and behavior and paid out all balances and now closing my accounts with them. I would like to know what actions can be taken on misinformation? Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18976
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/19 Hard Inquiry Brclysbankde I did not give permission for this company to run my credit. I have tried to reach them in reference to this issue to have it removed but have not been successful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid my monthly credit card bill. The bank has a copy of the check received by the company. Now they are saying we didnt pay and are adding on additional fee and interest. What to do? We have called once but are looking for some results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15102
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've been receiving call regarding this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A