Date Received: 2020-05-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Credit Card in good Standing with Barclay Bank XX/XX/XXXX Barclay sent an advertisement for Balance transfer at a low interest rate. I accepted the deal. Several weeks past and the balance transfer was never completed. Per Barclays documented turn times The transfer takes place by the end of the next working day. I figured the Transfer was not approved. XX/XX/XXXX I accepted another offer from XXXX and applied for the balance transfer XX/XX/XXXX XXXX Transferred the requested {$6000.00} The end of XXXX I noticed a positive balance on my credit card when investigated where it came from it was the Balance transfer from Barclay. When contacting Barclay it is brought to my attention that this was not in addition to my current account it was a new credit card account with a {$500.00} Annual fee I told them that was not what I thought it was and I would transfer the balance back to them and I wanted the account closed. They said it was no problem and apologized for the error. Barclay admitted that is was their error and the initial applied for Transfer did not get processed and they had a delay in their system somewhere. Again they assured me if would all be taken care of. 2 months later I get a notification my credit score has declined. Low and behold its Barclay trying to collect a balance transfer fee, late fees and a {$500.00} annual fee on a closed account an account that was closed immediately not held annually. I once again contacted Barclay and was told they would take care of it. The late payment continue to show on my Credit for months Dropping my Credit score 200 points causing other accounts to be closed and credit limits to be lowered Barclay now had tanked my credit score. Seven more phone calls and a complaint filed with the attorney general the collection was removed from my credit report. I believed everything was taken care of. Not one call not one letter from Barclay was ever received regarding this credit card account. Fast Forward XX/XX/XXXX I apply for a home loan and I am told my score is to low once again XX/XX/XXXX Barclay re-reports the fees as a new charged off account. I have made several attempts to reach out to Barclay to no avail my last Call I waited on hold for 2 hours no-one ever answered. Barclay did not process in their own documented time frame. Once I saw the transfer I immediately transferred back to them and closed the account. Barclay misrepresented the credit card. This is their mistake and I should not be held liable for any fees/late fees and it should not be reported on my Credit report. I pay my bills on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96001
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In XXXX I contacted Barclays to defer payments on my account due to the COVID 19 pandemic. After they gave me the run around, I was finally able to speak with some to waive my payments. I was advised I would not have to make a payment for 2 months. Well, they lied! I had to file a complaint with you guys last month because not only did they not waive the payments like the promised, I was charged a late fee. Not wanting to compromise my credit, I used my stimulus check and paid the XXXX and XXXX 's payment totaling {$430.00}. I received a letter from Barclays ( which they also sent you all a copy of ) stating my payments will be deferred for 2 months. Well, I just received an email notification advising I have a payment due on XX/XX/XXXX. HOW????!!!! They are LIARS! I'm still out of work until mid XXXX. I can not make the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a Barclays credit card on XX/XX/XXXX. They requested I send in additional documents, which I did ( so that Barclays can not fabricate when they receive my documents I have a tracking number - [ USPS TRACKING # - 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: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
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: Credit card used : Barclay Card US Purchased a flight on XXXX but flight was cancelled due to Covid 19 XXXX booking ID : XXXX / XXXX XXXX booking code : XXXX Amount : {$510.00} My credit card statement shows XXXX XXXX charged my BarclayCard, but XXXX is not refunding me. First they asked for {$100.00} processing fee, then they lowered it to {$80.00} fee. I do not believe I should pay any fee to get my money back for a service I never received. DOT says passengers should get refund if flights are cancelled by airline and mine was cancelled on XX/XX/XXXX, per XXXX XXXX customer service rep. Barclay Card says disputes can not be taken over phone. I submitted request for help twice online after calling. The helpline says disputes will be reviewed in 60 days!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
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: In the several years I've been using my XXXX Mastercard Barclaycard XXXX I've filed maybe 2-3 disputes. Apart from making it incredibly difficult to initiate the dispute ( e.g. when calling the published number they try to convince you to go online. Then, when online, there's no option to submit a dispute online but you're instructed to mail or fax (!!! this 2020 we're talking about ) the dispute info. Once the dispute is finally submitted there is ZERO follow up. I.e. the charge is not taken off the account for the duration of the dispute, there's ZERO information regarding what's happening. When you finally call again ( there's no way to do this online ) to check you're on hold forever and then again, either they tell you the dispute has been cancelled or the dispute is still being investigated. So this is my complaint ... IT APPEARS THAT DISPUTES ARE BLACK HOLED INTENTIONALLY by XXXX Mastercard Barclaycard XXXX+.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80120
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
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 sent a letter via certified mail to Barclay 's Bank, which they received on XX/XX/2020, in which I disputed ( 4 ) credit card transactions. Barclay 's Bank violated Reg Z by failing to process my credit card dispute within the established time periods under the law. The bank acknowledge, on a recorded phone call that they violated Reg Z by failing to respond to my dispute within 30 days. Furthermore, despite receiving my dispute letter and documentation via certified mail, they did not even create the claim even though they had my letter in their system. The representative was able to pull up a copy of the letter and see it, but could not explain why no action was taken. The rep stated that she would create a dispute case as of that day ( XX/XX/XXXX ) - but I explained that is a violation of Reg Z as the case should have been created on XX/XX/XXXX. The representative stated that it is not possible for her to " backdate '' the dispute claim and that consequently they will not be able to resolve my dispute within 60 days of XX/XX/XXXX. This is a clear violation of Reg Z.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The credit card company is taking money out of my bank account for no reason and refuse to research where this money is going to. They have no authorization to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize anyone employed by BARCLAYS BANK OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78259
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This bank is horrible with me they refuse to approve me or process my applications I also wanted to Know when they will upgrade their cards to tap pay go contactless its time they offer latest card technology like XXXX and USA every bank is starting it but they arent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been locked out of my online about for two months. There is a restriction put on the account for reasons that the company somehow is not able to tell me. I've called nearly every day for well over a month but every time I call and put it in my information I hear an automated message that says " Due to unforeseen circumstances we are unable to assist you '' and then the line hangs up. After calling for well over a month I finally was able to bypass this message by NOT inputting my information ( making me believe there is a note on my account to reject my calls when my information is put in ). After waiting on hold for a few hours, I finally speak to someone and attempt to get my issue resolved. I am promptly told I need to speak to a different department who is " not in '' even though I call well within their business hours. After many difficulties, I am finally able to speak to someone who tells me I MUST fax over essentially my identity to get the restriction lifted. I do so within minutes of hanging up. I never hear back. I call again, bypass the message and speak to someone. After even more difficulties and threatening to file another complaint with the XXXX, I am finally told the issue is resolved and the restriction will be lifted within 48 hours. It has now been four days since I was told this but I am still UNABLE to log in. I have now missed two payments ( nearing on three ) because I am unable to access my account and pay my bill. I attempted to pay over the phone but was told I am not allowed because of the restrictions. I am being charged interest every month and my credit score is taking a hit with every missed payment ( I have NEVER missed a payment on any account before this ). I have tried every avenue of getting this issue resolved and it seems that Barclay 's simply refuses to lift the restrictions on my account. I need this resolved ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A