Date Received: 2020-04-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX, after resolving fraudulent magazine charges on my account and ensuring the balance was {$0.00}, I spoke with a customer service representative and requested my account be closed. I was assured at that time the account was closed. On XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, stating that my account had been closed because it was more than 90 days past due. I immediately called the company and was told there had been an {$8.00} charge placed on my account on XX/XX/XXXX, ONE MONTH AFTER I WAS TOLD THE ACCOUNT HAD BEEN CLOSED. I had not received one billing statement in the mail between XX/XX/XXXX and XX/XX/XXXX notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card monthly and had been in good standing with Barclaycard. When I spoke with the Barclaycard representative on the phone, I was given a case number and told they would pursue this as a dispute ( rather than a fraudulent charge ). I received a letter from Barclaycard dated XX/XX/XXXX with the case number for the dispute saying they would let me know when they had completed their review. Then I received another letter from Barclaycard dated XX/XX/XXXX stating that they were unable to obtain credit for the fraudulent charge because it was " beyond timeframes to assist. '' The day I received that letter XXXX XX/XX/XXXX XXXX, I phoned the magazine company myself about the fraudulent charge, and they agreed to remove the {$8.00} charge from my account within 3 business days. I called Barclaycard on XX/XX/XXXX to verify that the charge had been removed and was told that the original {$8.00} charge had been credited and that all interest and fees incurred as a result of that charge ( which by now totaled > {$130.00} XXXX would be removed from the account and that the account would remain closed. TWO DAYS LATER, on XX/XX/XXXX, I was quite surprised and shocked to receive an email from Barclaycard about making a payment when I had been told 2 days prior that the account had a XXXX balance and was closed. I called Barclaycard again on XX/XX/XXXX and am now being told that they will not remove the late fees and interest charged to this account since XXXX because it was greater than 3 months. I refuse to pay interest and late fees for a fraudulent {$8.00} charge that has now been removed from an account that was supposed to be closed. The delinquency charges on my account should lawfully be removed and this information should be reported to the credit bureau for the following reasons : 1 ) The charge was made after the account had been closed. 2 ) I did not receive a billing statement notifying me of these charges. 3 ) A Barclaycard representative agreed on XX/XX/XXXX to remove all charges/late fees but then failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: My wallet was misplaced on XX/XX/20. It had several credit cards within it, all the companies Ive been able to contact to cancel the cards and replace except for Barclay Card US. Ive waited on the phone on their customer service line for a total of 8 hours over the last couple of days and got disconnected. They will not respond to messages. You can look on their social media pages and its not only me who is having this problem. I am worried someone will run charges up to my account with this total lack of response by Barclay Card US.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have been trying to get Barclay to send me my refund balance of {$1300.00} since the middle of XX/XX/2020. No one will answer the phone nor will they respond to the 5 emails I have sent them. Online they say they will respond to messages within 6 hours. No one responds. I eventually closed my account thinking that would nudge the system to send me my money, but so far it hasn't. I understand the situation with Covid 19, but this is ridiculous. The phone lines indicate longer than normal wait times. I have waited 45 minutes and still no representative. I need my money due to being out of work. Please help me with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30120
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2018. I got an apple credit card for some headphones, i was able to pay with the credit card when i applied for it. Never received my card or bills. Only a bill when i was considered a delinquent account. I have tried to get ahold of them but i am on hold for hours everyday and could never get to a customer representative. The headphones i bought were {$160.00} and now I owe {$470.00} because they never sent me a card to set up my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 976XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
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: Purchase from - XXXX XX/XX/XXXX for XX/XX/XXXX flights. Purchase price - {$1500.00}. Flights cancelled - XX/XX/XXXX due to virus. Refund promised by XXXX on - XX/XX/XXXX. Date of dispute - XX/XX/XXXX. Dispute amount - {$1500.00}. Dispute case ID - XXXX. Today 's date - XX/XX/XXXX. Dispute filed 9 days ago. To date, I have received no response, no follow up. I called the company and they told me it could take up to 4 months to process. 4 months. They failed to respond to internal messages. Finding a way to file the online dispute took days. They only recently implemented an online filing system. But I still had to fax my documents to them. I get the virus has slowed things down but Barclays, aside from their severely out of date system is taking advantage of this with ridiculous wait times and lack of response. This has been the worst experience I have ever encountered with a business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclays Bank Delaware sold a closed and charged off credit card account to a collection agency in XXXX ( XXXX XXXX ) The credit card account was opened in my name. Barclays states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at Barclays Bank where I was given this information. But, Barclays Bank is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, Barclays Bank is double reporting an account they do not own. Barclays bank is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( Barclays Bank ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( XXXX XXXX XXXX ) is also reporting this account to all three major credit bureaus as an active collections account. XXXX XXXX XXXX is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued XXXX XXXX XXXX in XXXX the Commonwealth won a class action lawsuit against XXXX XXXX for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) XXXX XXXX agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement XXXX XXXX agreed were ordered to stop collection activity from Social Security XXXX ( SSDI ) recipients. In short not only is XXXX XXXX in flagrant violation of the terms of their very own settlement agreement both Barclays Bank and XXXX XXXX are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. XXXX XXXX is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. Barclays is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened my Uber Visa from Barclays on XXXX XXXX. The card offered a {$50.00} credit toward a streaming service if {$5000.00} was charged to a card in a membership year. I joined XXXX XXXX, which is a qualifying service. Barclays has responded that the credit should be issued, but the spend was not completed during the anniversary year, which is not accurate. I completed my spend in the anniversary year. " This benefit was discontinued when your credit card was converted to the Uber Credit Card on XX/XX/XXXX as described in the communications you received. At the time of your conversion, we allowed your account to complete the full 12 month anniversary year to ensure your benefit was not discontinued mid-anniversary year. However, once your anniversary year ended, the benefit was not renewed. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had made a payment to barclaycard using XXXX XXXX 's billpay feature, received confirmation that it was delivered to / accepted by Barclaycard, but Barclaycard never applied the payment to my account. I've called and faxed both XXXX XXXX and barclay at least a dozen times over the last 4 weeks and no one has been able to remedy the situation. XXXX XXXX tells me that they've requested the payment be pulled back from barclaycard at least 4 times to issue me a refund, but they still have not received ANY type of response from barclaycard. I submitted 2 separate formal research requests to Barclaycard to find this payment and apply it correctly, and they still haven't found it / updated me after 3+ weeks. I've called barclaycard 1-2 times per week for status updates and their response has only been that they are still researching, and that they CAN NOT provide an estimated time to completion of the research request. As of now, I have no recourse or resolution for my {$4900.00} payment made to Barclaycard through XXXX XXXX and no one is able to help me. I just now got off the phone with Barclaycard again ( XX/XX/2020 at XXXX EST ) and they again have told me that there's no estimated time to completion / resolution of this request and that my almost {$5000.00} payment due on my card on XX/XX/XXXX1 is still due ( even though they are already in receipt of those funds since I've already paid ). I need help with reaching out to Barclaycard to track down this payment and apply it to my account. The general customer care line is unable to fix this, but I'm sure someone with knowledge of the XXXX XXXX bill pay receivables account can fix this within minutes. I have the exact time, date, and transaction number of my payment to Barclaycard from the XXXX XXXX payment receipt, so it's just a matter of searching the receivables account for that info and applying my payment. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Barclay 's bank reported to the credit agencies a delinquent account after failing to send me a bill or any balance owed notices for the amount of {$6.00} which lowered my credit score by nearly 100 points and will negatively impact my credit score for 7 years. I received a letter from Barclays 's informing me that I needed to use the card in 90 days or they would cancel my card and close my account. I used it for a purchase of {$6.00} and never received any notifications about a balance. I only noticed once my credit report alerted me to the score drop. I spoke to a rep who suggested to write a letter to their credit reporting dept. I received a letter rejecting any wrong doing and refusing any good will adjustments. I think this is a type of abuse because I was sent a letter telling me to use the card in 90 days or they would close/cancel my account, they sent no notifications about the balance owed, no mail nor electronic notifications nor smart phone app notifications. Then had my credit lowered by 100 points for what was only {$6.00}. This is too severe for that amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I requested payment assistance in form of fee waiver via a secure message on Barclaycardus.com, message sent several days ago ... Payment assistance is needed due to pandemic, a fee waiver was requested and no reply to date. I also called Barclaycard several times, was on hold for well over two hours each time and no rep picked up. Calls were made to again request fee waiver as well as payment assistance in form of extension or deferral. The fee in question will remain unpaid as I am disputing it, account will be paid off less the amount. Being such a small amount, {$15.00}, if any collection agency even accepts the account, I doubt they will attempt to collect after explained the amount is questionable due to pandemic and other reasons. Prior complaints were made via CFPB portal, a XXXX marks them as duplicate in order to avoid refunding fee and or offering assistance. The fee is for NSF, a payment returned on XX/XX/XXXX, unbeknown to me, Barclay resubmits payments, if I had known this I would not have made a replacement payment on XXXX which did in fact clear on XX/XX/XXXX as attached screen shot shows..
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: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A