Date Received: 2020-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was in contact with Barclays Bank of Delaware over a year ago in regard to this fraudulent account. The fact that XXXX XXXX has placed a collection account in my credit report without any documentation notifying me of their intent, is against the consumer laws. Im a government employee, and my job is contingent upon my credit background
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: As the pandemic was unfolding, the need to extra cash was heightened. I have seen offers before from Barclay 's for balance transfers. This offer, I should have read more closely, a FEE and 15+ % interest. While others are providing some type of help, I believe this was predatory and this company has clearly taken advantage of a world pandemic to increase their bottom line.
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: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I submitted a request for payment deferment due to Covid-19. I was laid off from my job. I submitted online and received a message stating once the request submitted I would be allowed to skip the next two months ' payments. ( Please see the message from BarclayUS below ) However, today ( XX/XX/2020 at XXXX from XXXX ) I received a call from Barclay Card customer service rep saying my account is past due, I have been charged a {$49.00} late fee. If I paid the minimum {$27.00} today, they would reverse the late fee. I explained I had requested payment deferral due to being laid off. She asked me when I was laid off, and if I could make the {$27.00} payment. I explained money is tight and I prefer not to. I also explained I had applied for payment deferral. She said she had no record of that. When I pulled it up on the " Message Center '' in their website and told her it is there. She stated that she could not access message center messages. I asked her for payment deferral and she said it is too late for XXXX and that she would defer XXXX. She asked me to make the payment now with her on the phone and then she would reverse the late fee. ***** MESSAGE FROM BARCLAY US BANK RECEIVED XXXX XXXX************ Thank you for contacting us regarding your Barclaycard Rewards Mastercard . We understand your concerns and want to provide assistance to our cardmembers who have been impacted by the COVID-19 coronavirus. If you are unable to make your payment during this difficult time, were here to help. You can request payment relief online by logging in to your account at the website listed on the back of your card, choosing " Contact Us '' and then select the " Payment Relief '' option to submit a request. Once you submit your request, we are allowing you to skip the next two payments due on your account. This means you do not have to worry about making a payment for this current billing cycle or the minimum payment due reflected on your next statement. The minimum payment due will still appear on your next statement and interest will continue to accrue, but you do not need to make a payment. Please allow us 5 to 7 business days to make these adjustments to your account. If you have set up Repeat Payments on your account, you will need to cancel them or a payment will be applied to your account. As a reminder, you can view your transactions, check balances, and manage your account through the website listed on the back of your card or our mobile app. Sincerely, Customer Care
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclay Bank Delaware sent me a billing statement dated XX/XX/XXXX for my UBER VISA SIGNATURE credit card. This billing statement included an invalid transaction dated XX/XX/XXXX posted XX/XX/XXXX from " XXXX XXXX XXXX XXXX '' in the amount of XXXX AUD which was converted to US {$95.00}. On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement '' and advised them that I did not have any recollection of this charge and requested a credit in the amount of US {$95.00} In the same letter I disputed a second charge dated XX/XX/XXXX from " XXXX XXXX '' in the amount of {$85.00} On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} from " XXXX '' and indicated they would investigate the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} and indicated they would issue a provisional credit while they investigated the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX ''. On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement ''. In this letter I thanked them for acknowledging the second disputed amount of {$85.00}. In this letter I reminded them of the first disputed amount of {$95.00} from " XXXX XXXX XXXX '' and notified them that had not yet acknowledged this billing dispute. In this letter I also requested credit for {$1.00} for the Finance Charge applied to my account on the XX/XX/XXXX statement for not paying the disputed amount of {$95.00} I reiterated that " I have no knowledge of this transaction and have not received services nor merchandise from this merchant ''. On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$95.00} from " XXXX XXXX XXXX '' that was billed to my account on XX/XX/XXXX and that they were referring the transaction to a dispute specialist who would investigate further. On XX/XX/XXXX Barclay Bank Delaware sent me a letter saying that they " are unable to take further action on this disputed charge '' " due to the length of time that has passed since the charge posted to your account ''. Barclay Bank Delaware only promptly investigated the second but not the first disputed charge of my letter of XX/XX/XXXX. Barclay Bank delayed their investigation of the first disputed charge is an error on their part and is a violation of federal regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
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: My authorized user, XXXX XXXX purchased a full size outdoor shed for {$130.00} from XXXX *XXXX thinking we were taking advantage of XXXX sale on XX/XX/XXXX. I did not receive it by XX/XX/XXXX so contacted XXXX to ask them to contact merchant. They never responded so contacted my credit card XXXX and asked them to dispute. They give me provisional credit and ask me to supply proof of what I ordered. I faxed the email proof and they acknowledged that they received my proof for Case ID XXXX. On XX/XX/ XXXX sent a letter saying XXXX is outside of the permitted timeframes to continue the claim through the dispute process and that the chip was read and validated during the authorization process or the card was present and CVV confirmed. This was an online purchase. The merchant is a scammer as they were mailing small trinkets to our address and we thought they were just confirming our address before shipping a 11ft by 18.5 ft full size shed. I emailed the proof of what I ordered and never received. They refuse to credit my money and allowed these XXXX scammers to defraud Americans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Barclays Card Services XXXX XXXX XXXX XXXX, DE XXXX Dear Barclays Company, XXXX Reword Credit Card XXXX I requested credit line and your bank always denied my request even my credit score good and excellent. XXXX XXXX credit scores a s following XXXX - XXXX XXXX - XXXX XXXX - XXXX I have a higher credit line different banks and I am requesting this card because I need a get XXXX Computer. {$1000.00} credit line not enough.Please reconsider my request and approve credit line. Thank you XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited my COVID-19 stimulus check worth {$1200.00} on XX/XX/2020, and the check was approved on XX/XX/2020. As of XX/XX/2020, the funds from the check were not available. I contacted Barclays to let them know that a Federal Treasury check meant they had to have funds available on the next day following a deposit. This statement is in accordance with the next-day availability requirement in Regulation CC and section 229.10 ( c ) of the Expedited Funds Availability Act. However, Barclays told me they would make me wait for five business days before they would make the funds available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclay charged me fees on a XXXX balance account after the account was closed and reported a balance from the fees to a credit reporting agency, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I tried using my Barclay credit card on XX/XX/20 for a purchase online which was denied. I checked my online account to see that the credit card was closed XX/XX/20 due to inactivity. I called Barclay 's customer service on XX/XX/20 to inquire about reopening the account. I was on hold for 2.5 hours before I could speak to a service representative. When I explained the situation, the rep said the card/account can only be reopened if it has been less than a week ( 5 business days ) and since it's been more than a week she couldn't reopen. I explained that if the account was closed on XX/XX/20 and I'm calling on XX/XX/20 to reopen that only 6 days have passed ( 4 business days ). She replied with saying there's nothing she can do since 24-48 hours have to pass once an account is closed before she's able to reopen. I was very confused at this point since well over 24-48 hours have passed and that was different than her first response. When I asked her to clarify the situation since her responses weren't making sense, she hung up while I was mid sentence and the issue was not resolved. Now I have to wait another 2.5 hours just for the same thing to potentially happen and I'll miss the window to reopen the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: See attached file for a complete description of what has transpired for over a year
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A