Date Received: 2020-04-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/2020 Barclay Bank Credit Card Dispute Customer Service Dept TO WHOM IT MAY CONCERN! ACCT # XXXX I contacted Barclay Bank a few days ago to inquire who closed my account and why my account was closed without sufficient notice. I have just learned that my best credit account was closed a few days ago. Today I tried to contact Barclay Bank again by phone to resolve this issue and the phone contact option was limited. I was away from my home for over 3 weeks. I was staying with a family member out of state and have not received a phone call, mail, or any notification from Barclay due to my illness. I came to find out that my account was CLOSED ending in XXXX. This account was in good standing with a good credit history that I was trying to build and preserve. THEY CLOSED MY ACCOUNT WITHOUT REACHING ME DIRECTLY. The representative told me that they sent me letters by mail but because I was away, did not receive notice from the bank. IT IS IMPORTANT TO KNOW THAT I WANT TO TAKE THIS MATTER TO WHATEVER LEVEL I NEED TO RESOLVE THIS ISSUE. Because it is less than 10 days, I am asking the bank to escalate my request to your managers and I am asking that they PLEASE MAKE AN EXCEPTION AND GIVE ME A ONE TIME COURTESY TO REINSTATE my account to protect the integrity of my credit history that I had established with your bank for many years. I WOULD LIKE THIS CARD REINSTATED DUE TO CONDITIONS OF QUARENTINE CORONA VIRUS. I THINK THE BANK MADE A HUGE MISTAKE BY CLOSING MY ACCOUNT WITHOUT CONTACTING ME DIRECTLY AND THE AUTOMATED SYSTEM ASSUMED THAT I DID NOT RESPOND. Due to quarantine, I was not at home to receive any mail. I want to file a Consumer Complaint towards BARCLAY BANK. The Banks actions are totally unacceptable during this time of Corona and my established account should be reinstated. In return, I will use the account on a regular basis. I thank you in advance XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I am trying to transfer my fiance 's credit card balances to my credit card. His bank is Barclays. We need his account number to proceed. We no longer have the cards ( they were locked when he underwent XXXX XXXX and was no longer able to pay regularly ), so we don't have the account number. I called their customer service number last week and waited on hold for over 2.5 hours before giving up. I called again this morning promptly at XXXX, got disconnected after about half an hour, and am currently on hold going on 1.5 hours. I also contacted them via XXXX, and nothing. It seems unfair that they can prevent me from getting the info I need to transfer the balance, and then continue to charge me interest and fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
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 tried to make an online purchase but the purchase didnt go through because it said there was an issue the billing address. Tried to make the purchase multiple times and the amount showed as pending on my credit card even though I couldnt complete the purchase on the merchant website. There was a pending total of {$480.00} due to the recurrent transaction. The pending charges went away because the purchase was never made but the amount of {$480.00} is showing as a balance on my credit card which is incorrect. The charge never posted so it should not be showing in my current balance. I have tried to call and send messages. I was on the phone waiting to talk to a representative for XXXX hours and no one ever answered. I sent many emails with no response. It is frustrating because Wyndham by XXXX XXXX is trying make me pay for something that was never finalized. My recent transactions do not equal what is showing as my balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2020 I was charged the annual fee for my Barclay Arrival+ credit card. In light of the COVID-19 situation, a premium/travel credit card does not make much sense to have, so I wanted to downgrade to a no-annual-fee version. This is not an uncommon request that Barclays grants, sometimes with a retention bonus for downgrading instead of closing. See references : - https : XXXX - https : XXXX - https : XXXX I have called customer service many times without being able to get past the hold queue. Call log as follows : XX/XX/2020 0.5 hours XX/XX/2020 1.75 hours XX/XX/2020 2.5 hours XX/XX/2020 1.25 hours XX/XX/20202.5 hours XX/XX/2020 2.0 hours XX/XX/2020 1.75 hours XX/XX/2020 3.75 hours Simultaneously, I also submitted my request using their online portal, but the reply indicate that they were unwilling or unable to perform my request through that route.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
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: Barclays bank I had a refund of {$410.00} from a cancelled XXXX XXXX that went on my card and gave a credit balance. I need this money. I attempted to call in on XX/XX/20 was on hold over 1 hour. Finally sent email message that states they will respond in " 6 hours or less '' I have no response from that message. Nor the one I sent on XX/XX/20 or the one sent on XX/XX/20 which that day I also took a copy of my statement and wrote letter asking for them to please mail a check to me for the credit balance. Checked my account online today XX/XX/20 and there has been no adjustment. Also sent another email message today, XX/XX/20 With doubt that I will get any response. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92585
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX I changes my main checking account. I also changed the account on the Barclays card web site to draft the new bank account. Instead in XX/XX/XXXX Barlcays drafted the account i was in the process if closing. The results was but overdraw the account. I called Barclays customer support in the day if the automatic bank draft who said they would reverse the charge and charge the proper bank account. Well this never happened and I was charged an overdraft fee on my bank account and Barclays charged a late fee and interest. I told them I would not pay the late fee or interest at it was their fault it was late. Bottom line is I have an XXXX credit score and have never had this issue before. I paid by balance in full but refused to pay the late fee or interest for reasons stated. Now they keep more late charged on top of the other late charges. Please help. Thanks. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40207
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays Bank Delaware consistently reports to all three credit bureaus that I am late making payments ( photo attached ). The account was settled on XX/XX/2018. ( Photo attached ). Yet still, every month, Barclays reports that I am late ... that I missed a {$0.00} payment. This has continued to drag my score down since 2018. I called Barclays several times and each time they tell me I owe nothing, and they should not be reporting late payments .... and that they will resolve it. But they never stop and I have gone through this more than 5 times. I have also disputed with the credit bureaus directly and after the dispute resolved it says dispute resolved, customer disagrees .... ahem ... excuse me no it is not resolved!! I need help with getting Barclays to STOP REPORTING ME AS HAVING LATE PAYMENTS EVERY MONTH SINCE 2018 WHEN I SETTLED MY ACCOUNT I feel like I am bullied and am up against a juggernaut that keeps destroying my credit with no recourse for me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I pay my payment to XXXX on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had XXXX leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hi CFPB I am a legal resident in XXXX and have never set foot in a United States territory. Today I just realize I may have become either ( 1 ) a victim of identity theft OR ( 2 ) a victim of corporate banking reckless behavior. I need your help to get an answer from Barclay Bank US and get to the bottom of this. On Friday XX/XX/2020 at XXXX ( XXXX Eastern Standard Time ) I received an email in my personal XXXX address with " Congratulations, youve been approved for the Barclaycard Financing Visa '' in the subject. The content of the email says that I'd been approved for a Barclay Financing Visa card ending XXXX ( email attached at next stage ). It also says " As a new card member, you can get special financing on purchases made at XXXX within 30 days of opening your account '' Five minutes later at XXXX and XXXX ( XXXXEST ) I received 2 other emails from XXXX to verify my XXXX XXXX. To give you some background information, I may have created an XXXX XXXX more than 3 years ago by mistake but never used it for any purposes. I have never owned any XXXX device XXXX XXXX or XXXX or XXXX computer ) whatsoever. Upon receiving the above-mentioned emails, I thought they were either ( 1 ) phishing emails by scammers to try to me click on the emails ( 2 ) genuine emails from Barclay and XXXX but the real individual who initiated this card application had made a spelling or typo mistake when typing the email address and hence, they were sent to me. Not knowing for sure which category these emails could belong to and having no time to further investigate ( I'm still having a full time job at this time ), I made a decision to delete and ignore them completely. However, just around 12 hours later, I received a 2nd email from Barclay Card US with subject " Thanks for going paperless! '' and the main email contents are " Welcome to paperless statements for account ending in XXXX. As a courtesy, we will email you with a notification each month that your statement is available to be viewed online. Please make sure that your email address is up-to-date by going online and clicking on Your profile. If you are newly enrolled in paperless statements and had been receiving paper statements, you may receive one more paper statement in the mail depending on when your next statement closes. '' There is a also link for me to click on to " View Activity and Statements '' and another link to BarclaycardUS.com. This time I took a closer look at the links by hovering my mouse over them without clicking and noticed they are real and NOT phishing links. I started to realize this whole thing could be more serious than what I initially thought. How could Barclay approve me to have a credit card in my name without any ID or in-person verification, let alone any credit verification? I don't even live in the United States. Does Barclay need to have my physical address and my income statement before approving the card and if yes, how did they get it? I have never supplied those information to them. Or could it be that the card application was done by some thieves stealing access to my personal XXXX email address? I have no way to know for sure. What I have done so far before writing this complaint : ( 1 ) immediately changed my email password to a strong 10-digit password on all devices. ( 2 ) rang Barclay International Call Collect XXXX listed on their website https : //cards.barclaycardus.com/banking/contact-us/ but was put on hold for 1 hour 10 minutes without any connection so I gave up. The call was made on Friday XX/XX/2020 at XXXX ( XXXX Eastern Standard Time ) What I have NOT done : I still have NOT clicked on any link in those concerned emails that I've received in fear of " automatically '' agreeing or authorizing something that could be insidiously embedded and I am not aware of. I have been over-cautious here because after all, I'm not computer genius and with all that banking fraudulent practices in the world, who could blame me? I would appreciate if CFPB could help me get an official answer from Barclay and also tell them to cancel this card. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: 1. On XX/XX/XXXX Barclay card charged my credit card an annual fee of {$89.00} 2. Shortly thereafter I called to close the account, and was told that I would receive the annual fee as a refund, but this never happened. 3. On XX/XX/XXXX XXXX XXXX at XXXX XXXX refunded a room deposit for a reservation I canceled due to CoronaVirus for the amount of {$790.00}, which they refunded to this same closed Barclay credit card account. 4. Since then I have sent countless emails and made countless attempts to contact them to get these amount refunded to me, however, I can not get through and they do not return my emails. While typing this email to you, I am currently on hold with their automated system, and the timer is showing one hour and ten minutes. 5. Since they have refused to return my emails and since there is no way for me to contact them, I need help to get both the {$89.00} annual fee and the credit balance of {$790.00} returned to me. Needless to say, I am shocked at such behavior with by a major bank, particularly as it relates to XXXX XXXX such as myself who are already suffering enough due to the current environment. They should really be ashamed of themselves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A