Date Received: 2020-04-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Every single credit card company has either reduced or forgiven interest during this pandemic. NOT Barclays ( XXXX XXXX XXXX ). Even though the fed rate has dropped to 0 %, they are still charging us 20.99 %. We have never paid late and we have excellent credit. I CERTAINLY hope ( and will also go the banking commission ) that they are not going to get any bail out during this crisis. We have transferred our balance to another card but I wanted this to go on record because there are many people out there who do not have this option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There is still a Barclays Bank Delaware card on my report. I repeatedly told Barclays that fraudulent information was on my report. Barclays did nothing to help. I will never do business with Barclays again. THIS DEBT IS OLDER THAN SEVEN YEARS AND IT MUST BY LAW BE REMOVED FROM MY CREDIT REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
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: Wanted to do a {$8000.00} balance transfer. Never did receive any monies or funds and was billed. The company will not answer their phones and not respond to many texts on their website. They promote they're 6 hours promise to respond but I have tried for several weeks with no response. Instead I received statements demanding payment for {$0.00} monies. I'd like to file suit for what ever I can for un just business practices and lowered credit scores! The company is Barclays US with the ring card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclay XXXX sent a letter dated XX/XX/XXXX to restore credit card use for XX/XX/XXXX, that they erroneously CLOSED in XX/XX/XXXX. Instead, the account remains closed. Todays date is XX/XX/XXXX ; more then enough time for a resolve a simple mistake. At this time, I would like the company to stop harassing me and either restore the credit status or delete my name from their company 's record. I despise doing business with incompetent individuals who poorly represent an institution. Save your energy and time for more challenging jobs. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Advertising
Subissue: Changes in terms from what was offered or advertised
Consumer Complaint: I am writing to seek assistance in my dispute with XXXX XXXX and associates ( XXXX XXXX XXXX ) who has defrauded me through misrepresentation of their product which was purchased on XX/XX/XXXX utilizing both XXXX XXXX XXXX by XXXX XXXX XXXX and RCI Elite Rewards Mastercard by Barclays Bank. I would like to mention that I am no stranger to owning timeshare properties. I have owned a separate property in XXXX for over 10 years so I am familiar with the pros and cons of having one. In this instance, XXXX XXXX ( XXXX ) by way of both XXXX XXXX XXXX and RCI Elite Rewards Mastercard, companies within the vacation exchange industry, absolutely defrauded me. I was offered both credit cards during a meeting with XXXX on XX/XX/XXXX and was charged {$15000.00} on the XXXX XXXX and {$2900.00} on the RCI Elite MC. I am very much a victim of their intentional fraud and misrepresentation of the product and our agreement. During my initial meeting with XXXX on XX/XX/XXXX, XXXX XXXX after negotiating my desired terms, I was verbally informed by XXXX that my contract would include NO Black-out dates and among other features, accomodations at the XXXX XXXX XXXX section of the resort would be accessible to me for 1 week each year for the next 10 years. XXXX also stated that each time I visited the resort, the money that I would spend to book the dates would go into my personal travel account called XXXX XXXX. These specified features were discussed in detail, and I made it unequivocally clear that these were part of my bottom line if I were to purchase a XXXX property. To be clear, the fraud and misrepresentation is in XXXX 's failure to speak to any of the very restrictive limitations of each of the aforementioned features. The No Black-Out date feature I was unaware, is only available to me thru XXXX XXXX company with XXXX level status and not directly through XXXX XXXX. This severely affects my chances to book dates during the holidays because clients who are able to book directly thru XXXX XXXX have the option to make reservations 5 months in advance while XXXX XXXX members can only make reservations 1 month in advance. In addition to that, my XXXX status is only available for 2 years before its downgraded to XXXX status which does not contain the No Black-out date feature. This was not at all explained to me and was not part of our agreement. They roped me in with the No Black-out date feature but failed to mention anything about being downgraded to XXXX status or having to pay to maintain XXXX status. As I mentioned, I was granted an option to stay at the XXXX XXXX XXXX campus, that's currently under construction, for 1 week annually for a 10-year period. However, after reviewing and discussing my contract with two separate representatives at XXXX XXXX, I have gotten two different explanations, neither one I agreed to. One representative stated that I was only granted 1 week ( and not 1 week each year for 10 years ) that I could use those accommodations. Another representative stated that I only had access to the resort for 10 years from the date of the contract so if for example, they do not complete the park until XXXX, I would only have access for 7 years. Both very misleading. Lastly, based on our agreement, I was told that each time I visit the resort I would pay a certain amount depending on room size. The money I pay to book would transfer into a travel account thru XXXX XXXX which would be converted into credit that I could use to purchase a wide variety of items. This feature sounded great because even though I would be paying to book the room, I would not be losing the funds. After reviewing my contract, I called XXXX XXXX and I was told that I only had that feature for 1 year and afterwards I would have to pay for different package options to keep it. This was not part of our agreement. At the close of my meeting, which lasted several hours, with XXXX, and expressly after being assured of my requested terms, I signed the contract and then asked for a copy for my review. I was not informed that I had 5 days from the date I signed to review and cancel. Instead of giving me a copy on sight, XXXX insisted on mailing it to my home address in Maryland. I only agreed to not walking out with a paper copy because XXXX stated that they would email me a version of the contract so that I could review it immediately. I believe these interactions may have been audio recorded. To date, I have never received a copy of the signed contract via email from XXXX. Further, I did not receive the contract in the mail until close to 4 weeks after I returned from XXXX, and well after the 5-day review period. It was not until I received the contract in the mail that I was able to review the contract and read the many discrepancies between what XXXX stated to me at the time of signing. I immediately contacted XXXX and explained to them my issues. They were however unwilling to right their wrongs or adjust their breech of agreement. They stated that I had 5 days from the signing date to cancel. I now see why they were so insistent not handing me the physical contract and failed to email me a version so that I could review it. The contract took weeks to arrive. I also believe that XXXX XXXX XXXX and RCI Elite Rewards Mastercard facilitated this defraudment. The agreement with XXXX also included me selling my old Timeshare through XXXX XXXX XXXX XXXX. They contacted me to complete the second part of the agreement charging {$4100.00} to the RCI Elite MC before I received the contract from XXXX XXXX. I have been persistent in my fight against this injustice towards me by making the necessary phone calls, emails to the companies and even sending certified mail to both XXXX XXXX XXXX by XXXX XXXX XXXX and RCI Elite Rewards Mastercard by Barclays Bank. XXXX XXXX XXXX is in the process of investigating the matter, Barclays Bank however has closed their investigation in favor of XXXX. I and am willing to take it as far as I can to achieve justice. I am however currently working in the XXXX XXXX XXXX at XXXX XXXX XXXX Hospital in XXXX XXXX and am absolutely overwhelmed in this war against this pandemic. I do not want to my lack of attention to this matter to allow me to lose ground. I sincerely hope that this bureau will further review this incident and will be able to help me and to be a protector against consumer fraud. Barclays Bank XXXX. XXXX XXXX XXXX DE XXXX Billing Dispute Case # XXXX Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Dispute XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ext. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company, its subsidiaries and or counterparts but not limited to, has attempted to collect on an unverified alleged debt not owed. This company, its subsidiaries and or counterparts but not limited to, has made harassing calls and or written communications but not limited to. This company, its subsidiaries and or counterparts but not limited to, then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO, REFUSED SERVICE FOR A COMPLAINT.This company, its subsidiaries and or counterparts but not limited to, willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company, its subsidiaries and or counterparts but not limited to, failed to follow FCRA 609 as demanded 43 times by way of certified mail.NO CONTRACTS WITH SIGNATURE HAVE EVER BEEN PRODUCED.ALLEGED CONSUMER KNOWS OF NOTHING THAT SUPPORTS THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS THAT ALLEGED CONSUMER OWES THEM ANY MONEY. THEREFORE THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO IS TO REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY BY THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2020 I completed an XXXX XXXX XXXX application for the XXXX XXXX XXXX XXXX XXXX through Barclays Bank Delaware. The application that I signed indicated in writing that the {$100.00} annual fee would be waived for the first year. After I was approved for the credit card and was checking my balance, I noticed that my account had been charged a {$99.00} annual fee on XX/XX/2020. I have called the credit card company twice and they refuse to honor the agreement to waive the annual fee for the first year, because I don't have a copy of the credit card application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84003
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I purchased an XXXX XXXX XXXX with my Barclays Card with XXXX Rewards in XX/XX/2019, understanding that a promotional 18 month 0 % financing offer would apply as it has on previous purchases over {$990.00} I'd made at XXXX XXXX with that card. I immediately setup automatic payments to cover the balance of the charge over the 18 month period and figured all was well. I realized now that they've been charging me interest, claiming that I needed to contact them before making the purchase ( or within an arbitrary period of time after the purchase ) in order to get those terms. That is not spelled out anywhere on Barclays or XXXX 's websites. This is misleading and unjust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid the full amount ( {$390.00} ) of my Barclay 's XXXX XXXX Mastercard payment due on XXXX XXXX, XXXX, via online payment from my bank on XXXX XXXX. The bank confirms that the check they sent to Barclay 's was cashed on XXXX XXXX. BUT the statement for XX/XX/XXXX - XX/XX/XXXX shows {$0.00} payment for the month and therefore a balance due that includes the {$390.00} + {$27.00} late fee + interest, + new balance accrued. I spoke with " customer service '' (??!! ) at Barclay 's on XXXX XXXX, who agreed to reverse the late payment fee, but told me that it will take at least 3 weeks and likely more to " research '' where Barclay 's lost my payment. and of course, that if I don't pay the balance due ( as described above ) in full IMMEDIATELY my account will continue to accrue interest. I do not understand how they get away with charging me interest on money they have misappropriated from me, due to their error. I understand that I have no legal option other than to overpay to the tune of {$400.00}, and to do so ahead of my current account due date of XXXX XXXX. This is wrong and unacceptable. I am also being dunned in the meanwhile with emails offering to help me figure out a payment plan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
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: RE : BARCLAY CREDIT CARD : A tow company charged my card {$60.00}, after the charge was paid by a third party. I contacted the credit card company. They did not issue a provisional credit, nor did they send any type of form, so that I could submit further information. I called the credit card company back and was advised that the group would get to it when they get to it. The credit card company contacted the merchant, and took the word of the merchant that the charge was legitimate, even though I, their customer, advised it was not. I then received correspondence stating the charge was, in fact, legitimate and that I had received a service. I, again, telephoned the credit card company to state that their correspondence was incorrect. I was then asked to send anything showing that the third party had taken responsibility for the charge. I faxed the email proving the third party had taken responsibility for, and paid, the charges. A few days after sending the proof to my credit card company, I received an alert from a credit monitoring service showing the credit card company had reported the dispute as resolved. Again, this was reported AFTER it was requested I submit further information ... RIGHT after. I then emailed the CEO, as well as another executive within the credit card company. I have received NO response from either party, or anyone on their behalf. I also contacted the credit card company via XXXX, twice, and they provided no help, with non-answers. Promising to assist, the company advised, via XXXX, that they found my account had previously been noted. This, of course, was of no help. In addition, the charge was not even for my vehicle. The correspondence from the third party paying the charge stated it was my vehicle, but it was not. I was merely involved in assisting the party whose vehicle was mistakenly taken by the tow company, which is why the third party paid the charges. I thought the credit card company was supposed to be looking out for me, as their customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A