Date Received: 2020-04-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I called Barclay Bank of Delaware in an attempt to settle the debt. They have it marked that is was included in a bankruptcy. I did not follow through with the bankruptcy. I want this cleared up on my credit report as it is hurting my ability to get through life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have repeated Calls and letters to collect debits. It has been happing from XX/XX/2017 to present. Amounts range from $ XXXX {$3000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX representing Barclayphone number XXXX continues to call my employer after I requested that they send me in writing to my address the basis of the debt. I requested they not contact my employer as they have my contact information. This debt is at least 10 years old. I contacted every debtor after I returned from work from XXXX after 7 years and settled even though exhusband filed bankruptcy. This debt shows up no credit report and have asked for documentation. When I call them they are threats even though I asked them to send in writing or take me to court. I first heard from them inXXXX asked for it in writing they said I had to settle over phone. Nothing for about 6months and then my employer called me today saying they called. I called them they were very rude and I requested again to not call my employer or family and friends as they threatened. They have not contacted me directly even though the read off my contact information correctly including address and phone number. I want this harassment to stop. I asked them to mail me the information so I could look it up in my records. They just scream at me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclay Master Card We held 2 accounts with Barclay ; a credit card and a loan account. A check for payment in full of the personal loan balance was credited in error to our credit card account on XX/XX/XXXX. It took hours of phone time, faxes, letters to finally receive a refund from Barclays credit card in the amount of {$24000.00} which was mailed on XX/XX/XXXX. We then used the refund to pay off the personal loan in full. Initially Barclays credit card only reflected the correct refund, however they now reflect that the refund was made twice ( XX/XX/XXXX and XX/XX/XXXX ) and therefore our balance which is XXXX reflects {$26000.00} due. They have reported this amount to the credit bureau which has lowered our credit rating due to the new debt and the fact that our limit on this account is {$12000.00} and is showing we are overlimit. We have stayed on hold attempting to telephone them for hours to no avail, on XX/XX/XXXX we sent them a secure message on their web site, on XX/XX/XXXX we faxed all paperwork and explanation, on XX/XX/XXXX we emailed their CEO of cards and payments. WE have had no response from any of these attempts. We have attached all documents applicable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had an account with Barclay credit card which opened in XXXX. I paid the minimum amount due on time, ( can provide proof ) but my account closed anyway. The reason given was that my credit score was low, even though I was paying Barclay to build my credit rating. I can provide my payment history and the letter advising they were closing my account because of my credit score. Which should not have been a factor to them. Unless, Barclay needed to offset their profits as a charge off?! Since my account was closed without just cause, I made payment arrangements to pay the balance. But, the interest rate is more than the balance. So, another scenario, it was more profitable to close my account, and double the interest rate. Either way, I feel this is an unethical business practice. Each year the interest rate has doubled. My credit limit was {$1500.00}, as of XX/XX/XXXX, Ive paid {$1000.00} and my current balance shows XXXX Please review and help with this unethical business practice. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I initiated a balance transfer of {$2500.00} to my Barclaycard account from my XXXX XXXX. According to XXXX XXXX their check was cashed by Barclaycard on XX/XX/XXXX and It is now XX/XX/XXXX. After a call to Barclaycard they state that they can not look up the payment, check number or any other information and it is up to me to provide ETF, routing numbers, check images etc. XXXX XXXX emailed me a letter stating they sent the payment but Barclaycard states that is insufficient I have had the same problem with Barclaycard in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
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: On XX/XX/XXXX, I bought {$190.00} worth of merchandise from XXXX. One item was backordered, so I was not immediately charged for it. The rest of the items shipped on XX/XX/XXXX, when my Barclays Visa credit card was charged {$170.00} ( representing the prices of only the items that shipped ). Barclays later informed me that this charge posted to my account on XX/XX/XXXX. The items that shipped on XX/XX/XXXX never arrived at my residence, so I called XXXX customer support to request a refund. The XXXX customer service representative submitted a claim on my behalf. On XX/XX/XXXX, I received an email from XXXX customer support notifying me that it could not issue me a refund because it had a proof of delivery on file. The email said I could dispute the charge with my credit card company. On the same day, I called Barclays to dispute the {$170.00} charge. Barclays initiated a claim and issued me a provisional refund of {$170.00}. On XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX. This letter notified me that Barclays had taken back the {$170.00} provisional refund because it had received proof of delivery information from XXXX, which was enclosed with the letter. The letter also said that I could write to Barclays within 10 days if I disagreed with its decision. On XX/XX/XXXX, I faxed and mailed to Barclays a letter explaining that I disagreed with its decision to take back the {$170.00} provisional refund because the proof of delivery information enclosed with its letter did not prove that the items in question were delivered to my residence. I pointed out that one of the proof of delivery pages was a completely blank form belonging to the incorrect shipping company, and the other pages not only did not list my address, but indicated that the items had been left in a " Mailroom. '' I attached photos showing that my building does not have a mailroom, and that all packages must be left outside because only letters can fit through the mail slot on the front door. On XX/XX/XXXX, I received a letter from Barclays, dated XX/XX/XXXX, explaining that " we're not able to assist you with obtaining a credit to your account due to the following : We are outside of the permitted timeframes to continue this claim through the dispute process. '' On XX/XX/XXXX, I received another letter from Barclays, also dated XX/XX/XXXX, explaining that " we're unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason : The chip on the card was read and validated during the authorization process or the card was present and CVV confirmed. '' Regarding the first XX/XX/XXXX letter, I acted within the time frames Barclays gave me during the dispute process, so any delay that occurred was on its end. It is unfair for Barclays to delay the process and then claim it is unable to assist me because the process has taken too long. Regarding the second XX/XX/XXXX letter, the explanation provided is completely irrelevant, because my issue with the {$170.00} charge was not that it was a fraudulent charge made without my permission, but rather that the items I did purchase never arrived. The fact that these two letters were sent so close in time makes it appear that Barclays did not attempt to resolve my dispute in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
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: Upon receiving my new XXXX Mastercard, provided by Barclays, I purchased airlines from XXXX to travel to XXXX in XX/XX/2020. Subsequently due to this Coronavirus pandemic and my advance age, I sought to cancel that trip with XXXX. However, using the only available online option, I found out that to cancel that booking the airline would charge me {$400.00} for the tickets which amounted to {$1600.00}. I attempted to contact Barclays by phone & by email subsequently, but to no avail. Based upon the specific stipulations on the credit card agreement, I informed Barclays to cancel the credit card since I was unable to obtain any relief from either XXXX & Barclays. The credit was returned to Barclays. However on XX/XX/2020, I received a new billing statement from Barclay in which a fee in the amount of {$120.00}, along with interest for {$37.00}, were assessed which brought the previous balance of {$1600.00} to {$1800.00}. The airline companies & the financial institutions will be receiving large sum of monies from the {$2.00} trillion stimulus package which our president Donald Trump has signed into law, whereas there will not be any relief for me. According to President Trump 's Coronavirus Guidelines For America, there are certain specific recommendations for peoples in my age bracket : 1 ) If You are An Older Person, or have a serious underlying health condition, stay home and away from other people. 2 ) Avoid Discretionary Travel, shopping trips, and social events. Barclays offered me no prior alternatives when I first contacted the via email, and their response was that they could not call me nor write to me to discuss my issues. The coronavirus pandemic is no fault of mine & I am following Federal Guidelines not to travel, and Americans who are now overseas have difficulties to come back home, and many of those countries have closed their borders which include XXXX where I originally intended to travel in XXXX. I asked Barclays to cancel my account and to delete the charges since that I can not travel. On XX/XX/2020, I finally received info from XXXX about banking credits which they did not offer before, but for a very limited amount of time, while the interest charges on that credit card is a high 26.4 %. The financial institutions and the Airline companies should heed the Federal guidelines to assist consumers fairly in these critical moments caused by the coronavirus pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Bank/Credit Card Company : Barclays Bank Delaware The below transactions happened in XXXX XXXX of XXXX fraudulently : XXXX XXXX XXXX XX/XX/2019 {$1600.00} XXXX XXXX XX/XX/2019 {$8.00} XXXX XXXX XX/XX/2019 {$21.00} XXXX XXXX, XX/XX/2019 {$10000.00} I talked to the bank to take actions against these international fraud transactions and initially the bank marked them as FRAUD but later the bank denied and even after multiple escalations for 8-9 months the bank is not agreeing to investigate these charges properly. The invoice sent to the bank by the merchant has incorrect address and phone number and also the signature are not mine. Please help me as the amount is too high for me and need serious help here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have an {$11000.00} purchase I made using a 0 % balance transfer offer that expires this XXXX on XX/XX/XXXX. I just made a balance transfer payoff from another credit card company of {$11000.00} and an additional payment of {$640.00} XXXX beyond the minimum monthly payment of {$220.00} XXXX for a total of the original charge of {$11000.00}. I emailed customer service in advance and requested that these payments be applied to the expiring APR. Customer service replied that they would first apply any payments beyond the minimum payment due to any balance that isn't on a promo ( but I don't have any such balance ) and then they would apply it, at their discretion, anywhere they like, which " may '' result in paying off the balance that is due to expire in XXXX, not this XXXX! The credit card statement that shows the monthly payments does not show to what balance the {$250.00} I've been paying per month for the last year has been applied to. Nor does the fine print on the credit card statement detail how promotional APR balances are paid down from monthly or additional payments. As the consumer, I should certainly be able to request the expiring APR balance be paid with the 2 payments I just made and they are telling me " it's at their discretion '' ( I have attached a screenshot of their reply from customer service stating this ). This is taking advantage of me as a consumer to not be allowed to pay off an expiring promotional balance. And their policy of applying payments to any balance they like " at their discretion '' is not on their credit card statement either. I need help with this. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A