Date Received: 2020-04-07
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Barclays bankBARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX DE XXXX has registered my name under a credit card that opened an account on XX/XX/XXXX. That same account was on record as reported on XX/XX/XXXX and was cancelled by Barclays. During this time the credit card account was not activated nor was it confirmed by me. When I called Barclays at ( XXXX ) they verbally confirmed that they had to wrong contact information, and inaccurate email and personal information. This has damaged my credit score and they wrongfully opened an account under my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My XXXX Score dropped 48 points over night without any changes I initiated to my credit file. Upon receiving the notification about my score drop from my free credit score apps, I immediately filed a dispute. This was XX/XX/2020. I also contacted XXXX directly via phone immediately after filing my dispute because I was unable to upload supporting documents on their website. A representative informed me I had to fax any information to update my credit file. I then faxed over an official statement from my lender stating the status of the closed account. I promptly faxed them the document with a cover letter that included my dispute number. I also included a letter of intent stating this reporting error caused me financial hardship and that I was filing a written complaint. I received an email on XX/XX/XXXX that my REINVESTIGATION has started from an non-reply email. When did the original investigation take place? What was the result? Was my complaint received? No email to respond to about my issue. On XX/XX/XXXX, I received a notification from my free credit reporting apps that my name had been updated, seemingly for no reason or purpose. Its now XX/XX/2020 and I have not received any notification from XXXX regarding my initial dispute or an acknowledgment that I filed an official complaint with the company. During this time, my XXXX credit score has not changed. Meanwhile, my XXXX and XXXX scores both increased because I have been working for years to repair my credit. XXXX not only failed to provide me notice of dispute within 30 days, they have not changed their error. Both of these matters are grounds for a lawsuit. I am trying to purchase a home and need my credit scores to be accurate for pre-approval. There has been no acknowledgement of wrongdoing or that I have filed a complaint from XXXX. I am emailing this message to the only email I can find for them hoping to get this issue solved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I began getting emails from Barclays indicating that my account was past due. I only had the card for a month, so I had 1 statement, which I paid in full before the deadline. I called Barclays and XXXX told me he would remove the fees and interest charges and asked me to contact my bank the following Monday to see if I could substantiate the payment. I use XXXX XXXX on line banking to pay bills. XXXX processed the payment on XX/XX/XXXX and estimated it was delivered to Barclays a few days later. They had a copy of the cancelled check. I contacted Barclays on XX/XX/XXXX and they confirmed that the fees and interest had been credited - although I was still getting messages that I was late - but was told nobody issued a Missing Payment probe to resolve the matter. I was told it would be initiated then. ( I had also emailed Barclays on XX/XX/XXXX to report the problem and as of XXXX I still have not had a response to that email. ) Today XXXX I attempted to use my Barclays card and it was rejected. I called Barclays again and was told that I needed to pay {$27.00} if I wanted to use the card before the matter was resolved on their end, which could take 25 days. Nobody told me it would take 25 days to resolve the matter. And nobody told me I would not have use of the card while they looked for a copy of my check WHICH THEY CASHED. All this over a {$27.00} fee that I do not owe. I had another complaint about Barclays last year, which CFPB helped me to resolve, but I was so unhappy that I cancelled the account. I went back this year because I had hoped to use the mileage. Frankly I think it was a mistake to reopen the account. They are impossible to deal with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: the credit card company ( barclaycard ) put a hold on my {$1500.00} payment despite the fact that the {$1500.00} was debited in the checking account ending in ____. what pains me is that i have used this checking account to make my payments for the last three years. this is the second time that they have done this to me. kindly please penalize them to the maximum amount that the law provides. i have emailed the credit card company twice and no response. i have called the customer service and got a hold of someone but he told me he can not help me. Respectfully, 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: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card with Barclays Ring Card. I tried contacting Barclays multiple times regarding the COVID 19 pandemic and was on hold for hours each time. Even sent an email though the secured message option that Barclays suggested and have not gotten a response. I finally got a hold of a customer service representative on XX/XX/01 who advised me that my payment would be deferred for 2 months and I would not incur a late fee. However, I have been charged a late fee and now my payment due is twice as much. I've tried contacting them but they are non-responsive.
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: 2020-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my card XX/XX/2020 and asked them to please provide me with documentation that it has been paid. It has been two weeks and they still haven't reported to the credit bureau or sent me any information regarding its been paid. I've reached out to them twice regarding this issue and have gotten nothing in return.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX {$59.00} charged Per XX/XX/XXXX email : {$25.00} Per XX/XX/XXXX email : {$51.00} due ( no calls, emails, or mail from Barclay of issue ) Per XX/XX/XXXX email : {$93.00} due ( no calls, emails or mail from Barclay of issue ) Per XX/XX/XXXX email : {$160.00} due ( no calls, emails or mail from Barclay of issue ) Per XX/XX/XXXX email : {$180.00} due ( no calls, emails or mail from Barclay of issue ) Letter in mail from Barclay received XX/XX/XXXX. Card closed. 90 days past due. No amount given. XX/XX/XXXX : called customer service, balance of XXXX. Spoke with representative, said my account was in collections and I owed {$210.00}. Immediately paid online within closed account {$210.00}. Unable to do anything else as weekend and after hours customer service representatives do not have access to accounts in collection even though they are the phone # listed on letter. XX/XX/XXXX : called same customer service # and representative was able to assist in giving information as well as submitting dispute for me. XX/XX/XXXX : Received decision from Barclays that since they delivered my statements to me via their online website, they declined to honor my request. I always pay my bills and may have missed one but immediately rectified it since other businesses made sure I was aware of an issue. Barclays failed to let me know there was an issue and also charged me late fees in the amount of {$150.00}. Almost 3 times the original charge. Barclays only communication with me that there was an issue was when they mailed me the letter closing the account. This does not appear to be an above board way of doing business. I also received news on the paper statements mailed to me on XX/XX/XXXX that effective on or after XX/XX/XXXX, late payment fee was " Up to {$40.00} ''. Since I was charged {$39.00} on 2 separate occasions prior to XX/XX/XXXX, I am wondering how that makes any sense. It appears they charged me more without it being in effect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73044
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
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: XX/XX/2020 Barclays Dispute Department XXXX XXXX XXXX XXXX DE XXXX Re : Responding with documentation to support dispute. Case ID CIS XXXX, Disputed transaction XX/XX/2020, XXXX $ ( Travel Agency/XXXX/XXXX ). I received a letter dt. XX/XX/2020 stating that Merchant has provided supporting documentation which I am disagreeing with. I am responding within 10 days as stated with my supporting documentation. Before we go there, XXXX was given more than 60 days to respond, whereas I as a consumer of Barclays, was given just 10 days to respond even when US is in National lockdown with all essential services closed. This needs investigation by US Banking regulations which I will report and pursue. Now, back to the documentation provided by XXXX. I am going to respond to each paragraph line by line from Page 2 onwards. Please reference to the page 2 of letter your bank sent. 1. XXXX argument that I accepted their terms and conditions is baseless. a. I accepted the terms and conditions while purchasing the ticket on the grounds that I will be provided a ticket for which I am paying. XXXX failed to provide such a ticket. I paid ( XXXX $ ) to XXXX XXXX to book me a non-stop flight. They booked the ticket with PNR # XXXX. ( XXXX XXXX XXXX ). This PNR ( XXXX ) when pulled in XXXX XXXX website displays a different itinerary. They sold a FAKE ticket. 2. Merchant Argument that there was a schedule change by Airline. a. Where is the documentary evidence that there was a schedule change? Did Merchant provide any evidence to support that claim? This was the assumption made by XXXX XXXX ( XXXX XXXX. XXXX XXXX Airline has confirmed that there was NO schedule change. AIRLINE departure information confirms there was NO Schedule change. 3. Schedule change by Airline is beyond their control, as specified by their user agreement and I accepted that agreement. a. No Documentary evidence was provided by XXXX which suggest that Schedule change resulted into a different itinerary. Airline has also refuted that claim. Can merchant provide the evidence which proves that I was originally booked to the correct non-stop flight and schedule change resulted into my itinerary changing into a stop-over flight? Please provide the evidence to prove schedule change. THERE CAN NOT BE ANY ASSUMPTIONS. NEED PROOF TO SUPPORT THIS CLAIM b. The copy of ticket as provided by XXXX states that I was booked on XXXX XXXX and as claimed there was a schedule change of that flight. This is incorrect. As a matter of fact, XXXX XXXX flight did depart on XX/XX/2020 and landed on XXXX on XX/XX/2020. Since I was never booked on this flight, I was not able to fly. c. This clearly shows that there was no schedule change and fXXXX XXXX never booked me into the correct flight. They took money for a nonstop flight but on backend booked me to a stop-over flight. 4. We are following up with Airline for refund, as soon as we get it will be processed. a. Merchant reached out to me to investigate this as well and I cooperated with them and provided a copy of ticket ( PNR XXXX ) which they gave me and the copy of same PNR ( XXXX ) when pulled in Airline Website. Both tickets have same PNR but different itinerary. XXXX XXXX has denied to issue refund and rightfully so. It is the fake merchant who should be held liable for selling fake tickets. b. Merchant is misrepresenting that they are following up with Airline. Airline on XX/XX/2020 has clearly denied that refund. ( Copy attached ) 5. XXXX XXXX as travel agency took the money to book a non-stop flight but because of their system glitch or whatever, booked me a stop over flight. There was no evidence provided to prove that there was a schedule change. Airline departure information has also confirmed that there was no schedule change. 6. I did agree for the charge and accepted terms and conditions agreement on the pre-text that merchant will book me the flight that they are displaying on the screen. I was not aware that they display a FAKE ticket and gives a FAKE itinerary. 7. The PNR # merchant gave me was XXXX XXXX XXXX. 8. When same PNR ( XXXX ) was pulled in XXXX XXXX website, it displays a different ticket. ( copy attached ). Please note the same PNR # ( XXXX ) but has a different route and itinerary. This has a stop over in XXXX. ( Copy attached ) 9. Merchant should be reported to the Consumer bureau since they are cheating consumers by selling fake tickets and dumping the responsibility on Airline on the basis that there was a schedule change. No evidence has been provided till date that proves a schedule change. XXXX XXXX flight did depart on XX/XX/2020, therefore there was no schedule change. Barclays supporting such businesses should be held liable as well. 10. Merchant provided a copy of ticket as displayed on their portal but never provided the copy of itinerary as shown in the Airlines website. I have attached a copy of that itinerary ( XXXX XXXX PNR XXXX ) for your reference. Please note the same PNR but different itinerary. I would therefore request to issue the permanent credit to my account and charge back the merchant along with reporting this fraudulent business to FTC and XXXX. The whole argument that I accepted the terms and conditions is baseless. I accepted the terms and conditions and the terms was that merchant will provide me the ticket that I am paying money for. At the same time, the schedule change argument is also baseless. No documentary evidence was provided to prove that claim. This was just an assumption made by the merchant. 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: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Barclays offered me a balance transfer with no interest until XX/XX/XXXX. I transfered {$1900.00} from another account on XX/XX/XXXX I was charged a balance transfer fee of {$59.00} ( which I agreed to ) and {$3.00} intrest on XX/XX/XXXX. When I complained about the interest charge the response was " Upon review of your account our records show the promotional offer for the 0 % until XX/XX/XXXX has not been accepted. '' If they were not going to accept their own offer they should not have transferred the balance!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my Barclays XXXX XXXX credit card to purchase an item from XXXX, in the amount of {$1400.00}. BARCLAYS did not tag this as fraud. XX/XX/XXXX I first became aware of this purchase when Barclay contacted me regarding a charge of {$.00} on my account which I told them was fraud. At that time we reviewed all other charges on my account and that is when I became aware of the fraudulent charge from XXXX of {$1400.00}. At that time BARCLAYS removed the charge on my account and marked it as fraud. I DID NOT PURCHASE THIS ITEM AND I DID NOT RECEIVE THIS ITEM. XX/XX/XXXX BARCLAY called me and told me the merchant, XXXX provided them evidence that I had made the purchase and that I signed for it when it was picked up from XXXX on XX/XX/XXXX. BARCLAY put the charge back on my credit card. I contacted XXXX and received a copy of their Invoice which has my name, address, phone number and email. Whoever purchased the item had it shipped to my HOME. XXXX attempted to deliver it on XX/XX/XXXX however it required a signature and there was no one home. on XX/XX/XXXX the package was picked up from XXXX XXXX, CA location and signed by XXXX XXXX. I WAS UNAWARE OF THE ATTEMPTED DELIVERY AND DID NOT GIVE XXXX XXXX PERMISSION TO PICK UP THE ITEM. I DID NOT ORDER THIS ITEM OR RECEIVE THIS ITEM. I WAS OUT OF TOWN IN FLORIDA FROM XX/XX/XXXX - XX/XX/XXXX. I WAS UNAWARE THAT XXXX ATTEMPTED A DELIVERY. I have provided BARCLAYS documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am a victim of identity theft and that I was out of town when XXXX attempted to deliver the item and when it was picked up. I have reported this to the Police, Federal Trade Commission and filed a claim with XXXX. BARCLAY is still refusing to remove this charge from my credit card. The last time I spoke with them they told me that I have a daughter, XXXX XXXX, who resides with me, and XXXX picked up the item. I have provided documentation to BARCLAYS that my daughter has not lived with me for many years and that she was in Florida with me while XXXX attempted to deliver the item and was picked up at XXXX. XXXX is unable to provide me a copy of the ID XXXX presented when it was picked up and unable to provide me a copy of the signature when it was picked up. XXXX refuses to issue a credit for this charge and has told me I must work this out with BARCLAYS XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A