Date Received: 2020-03-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I experienced an issue with the Barclay Card US Upromise Card. I mistakenly paid down my balance twice resulting in a credit balance of over $ 16k. I spoke with customer service and emailed customer service and the response was the same from both. They told me to go to my bank and recall the payment ( ACH ). Several days after the funds were returned, I received a letter from Barclays telling me that I would be charged a returned check fee of {$28.00} and that due to the fact that there was a returned payment, my credit line would be reduced from $ XXXX to $ XXXX. All of this despite the fact that entire balance had been paid, there was a XXXX balance on the account and I followed their instructions to get the over payment refunded. I emailed them twice ( XX/XX/XXXX and XX/XX/XXXX ) and they have not responded. Phone wait times were excessive and I gave up trying to contact them on the phone. At this point, I want the returned payment fee refunded and the account closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
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 was scammed out of {$590.00} by Barclay 's Card Services and their Merchant partner XXXX. Barclay 's provided a payment platform that allowed XXXX to received credit card payments from consumers such as myself without ever delivering a activated software download. I ordered a XXXX XXXX software from XXXX but they never activated the software for my use or benefit. Then XXXX refused to refund my purchase and took refuge behind their merchant agreement with Barclay 's Card Services. Barclay 's claimed that they competently investigated my dispute but they did not. All of their investigator were based outside of the USA and couldn't speak good English and therefore, didn't even understand the nature of the problem. I sent Barclay 's copies of screenshots and emails from their merchant partner showing that the software was never activated by XXXX and that I never received a working product as advertised and described on their website. I requested on numbersous occasions to speak with USA based Barclays employees but got the Run Around and never spoke to anyone in the USA. I have told Barclay 's Card representatives that I will pay my balance down to the {$590.00} but I refuse to victimized their scammer partner and their sham Consumer/Member Protection Policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I think the first contact I received was around the Fall of XXXX. The caller introduced herself as being with XXXX XXXX through originally XXXX XXXX, later transferred to Barclays and then to XXXX XXXX XXXX She informed me of a credit card that was overdue for payment. I explained that I had never applied for XXXX XXXX. In fact I have a XXXX account that only had my personal debit and local bank card attached to it and that I didn't need a XXXX credit card. I asked her what the charges were for. She stated XXXX services for the amount of {$4900.00}. I told her that I live in a rural farming community and XXXX isnt accessible. Furthermore I have my own vehicles and don't need XXXX services. She asked if I had ever used XXXX ever. I stated I had in XXXX one weekend and in XXXX, but my XXXX account is only connected to my personal bank account. We went back and forth. She asked me if I thought this was fraud. I stated yes. I never heard back until XXXX of XXXX. I again explained the situation. I was asked if I would be willing to fill out an affidavit and I said yes. I did that, had it notorized and returned it. I never heard another word until XXXX of XXXX from XXXX XXXX XXXX. At that time I forwarded the affidavit. I followed that up with a letter from an attorney and they have never replied. I would like to get this issue resolved. I would like my credit cleared and I am getting no where.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to request your help with Barclays. I dont know what else to do. So I hope to have a fair solution to this issue that this bank has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). The account I am writing about is the following : FTC REPORT NUMBER : XXXX. Account : XXXX Date opened : XX/XX/XXXX. Status Closed. {$0.00} balance. I am demanding BARCLAYS BANK DELAWARE to remove this related to fraud item or I will need to take this issue to court. This is causing me economic and psychological issues. Please send to Barclays the attached documents. Thank you so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90260
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
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: Purchased 3 pairs of boots/shoes from company online - it was fraudulent XXXX popup site and when they provided international tracking # I knew it was scam. The shipper wouldn't respond to emails and once item showed delivered ( XX/XX/2020 ) to my 3 inch by 12 inch mailbox I went to check - no items. But shows delivered- Junk mail? Not exactly sure what came- but never received 3 pairs of shoes!!! I called Barclay XX/XX/2020 and filed claim - they gave Case ID XXXX and opened investigation. Barclay 's called XX/XX/2020, and left me on voicemail, and I called them back 5 minutes later and spoke with a rep who asked me if I received my package, and I again stated NO - nothing received. On XX/XX/XXXX, I check my card statement and see that they ruled in the scammer 's favor saying that I didn't respond to call, and that scammer has proof of delivery (? ) how do you have proof of delivering 3 pairs of shoes ( XXXX western boots ) to a 3 '' x12 '' mailbox? The order was {$76.00}, which I get that I fell victim for 'bargain ' prices - won't ever do it again. I contacted Barclays and faxed them a letter as directed and have not heard a response back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
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 have a charge made from XXXX to my XXXX mastercard ( Barclaycard ) I called and said i did not make the charge. It was made some time at the end of XXXX for XXXX. When I called I said I did not place the order. They decided to place a " dispute '' instead of a fraud investigation. I started staying at a different address XX/XX/XXXX because we are currently buying a house closing around XX/XX/XXXX. The company has the old address and said the merchandise was sent there. The Credit card company said they will no assist me in a fraud investigation because all the information " was mine '' and a dispute was placed first ( which was their error ). I did not make the purchase or get whatever product was ordered. I need a refund immediately i am not paying {$2100.00} for something I did not received. This XXXX card is the only card I pay an annual charge for and is the worst company I've ever had to deal with. The fraud department had the nerve to say I cant placed fraud just because the dispute wasn't in my favor. This is not the case at all, they issued the dispute incorrectly when i called and said it was fraud from day one they need to listen to my calls. my card is being canceled after this complete mess.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Please refer my earlier complaint ( XXXX ) about this credit card on XX/XX/XXXX. At that time also this company closed my credit card account for no reasons. After complaint to CFPB they reopened my account. Now on XXXX XX/XX/XXXX - they closed my card again. I have a credit score of XXXX. Their reasons are weird. It brought down my credit score also. I was provided no notice or warning before Barclays did that. Tried calling Customer service XXXX twice - very very long wait time. After successful verification, call getting disconnected. XXXX is a usual offender and nothing can be done against this hopeless company. In the COVID-19 outbreak - what this company think that i go out on shopping for their credit card? They are inhuman
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
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 we purchased a real estate " coaching '' program from a company called XXXX ( AKA XXXX XXXX ). The program cost ( in total ) was about {$70000.00} ( {$9000.00} of which was on the Barcalys card referenced in my complaint today. A few months later we realized we had been scammed but there really was no recourse. Because of the XXXX scam we were drowning in credit card debt and in XX/XX/XXXX we pulled out money from retirement accounts to pay down some of the crushing debt. One of the cards paid completely off was the Barclays card for {$9000.00} ( plus interest ). We looked into several avenues to get our money back from this scam but it appeared that their contracts were pretty solid and were shells of what we were promised verbally. In XX/XX/XXXX we reached out the the FTC and learned that the company was shut down after hundreds of complaints just like ours. The FTC and the XXXX receivership advised us to reach out to our credit card companies and file disputes. In total we filed 6 disputes with 4 different credit card companies. ( NOTE : XXXX, XXXX and XXXX XXXX have ALL refunded our money after thoroughly investigating and reviewing the supporting documents we submitted ). Please see below for a timeline of events from here : - XX/XX/XXXX - I called Barclays to find out how to submit a dispute. The Barclays representative pulled up my account and referenced the {$9000.00} charge from XX/XX/XXXX ( the only charge made to the card ). He then advised that I needed to fax in my dispute details. - XX/XX/XXXX - Faxed in a full dispute statement and supporting documents - XX/XX/XXXX - Received a letter from Barclays notifying me that they had received my dispute documents for the charge of {$9000.00} from XX/XX/XXXX and were processing their investigation. - XX/XX/XXXX - Received a letter from Barclays advising that " Due to the length of time that has passed since the charge posted to your account, we are unable to take further action '' and they encouraged me to " pursue credit by contacting the merchant directly ''. ( Again, the merchant has been shut down by the FTC which was fully explained in the dispute documents they received ). - XX/XX/XXXX - Attempted to call Barclays dispute center but was hung up on after waiting several minutes. I then submitted an email asking someone to contact me back regarding the denial through their secure mail system. - XX/XX/XXXX - A " manager '' from the disputes team called and said that they can not help with disputes on charges older than 60 days. I then advised her that I did my research and there are additional FCBA ( Fair Credit Billing Act ) provisions covering problems with the actual goods or services, aside from billing errors. This is known as the right to assert claims and defenses. In other words, the charge is correct, but the goods or services are not delivered as promised or described. This right can be exercised up to ONE YEAR after purchase. I further advised that the 3 other banks/credit unions had refunded our money and asked why Barclays does not have to follow the same federal guidelines. She said she's not familiar with the guideline and that some banks have different " write-off '' policies. She kept reiterating that it has to be under 60 days and they could do nothing. After this conversation I feel that the main reason they would not refund my money was because I had already paid off the card and this would be a hard cost to them vs. writing off any debt currently on the card. Barclays excuse to not refund our money not only seems unfair, but illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am asking for the Consumer Financial Protection Bureau 's assistance in a matter of great concern. I was the victim of a purse snatching on Saturday, XX/XX/2020. I immediately reported the theft of my purse and wallet to the XXXX XXXX Metropolitan Police Department ( XXXX ). Detective XXXX was assigned to investigate the Larceny from Person offense. My XXXX XXXX Business Mastercard, issued by Barclays Bank Delaware, was among my credit cards that were stolen. A few fraudulent purchases were made on that card on XX/XX/20, including one on XXXX. The fraud department at XXXX advised me that they needed my full 16-digit credit card number to track down the order. Only the last four digits of my credit card number ( XXXX ) are listed on my monthly Barclay Business Card statement, so I contacted the fraud department at Barclays for my full credit card number. I was told that for security reasons, Barclays could not release the credit card number to me. My husband, XXXX XXXX, who is the primary cardholder on the business account, was also told that the information could not be given to him for security reasons. I was instructed to have Detective XXXX fax over a copy of his badge on XXXX letterhead, and the Barclaycard fraud department would release my 16-digit credit card number to him. Detective XXXX faxed over the information on XX/XX/20, as requested. When he did not receive my credit card information, he faxed a second request on XX/XX/20. I confirmed receipt of Detective XXXX XXXX fax with the Barclaycard fraud department on XX/XX/XXXX. As of today, XX/XX/20, Detective XXXX still has not received my credit card number! I have followed up several times with Barclays over the past few weeks, each time confirming with the representative that my phone conversation was being recorded. I spoke with the Barclaycard fraud department again this morning, and once again, I am being told that Detective XXXX XXXX request is still being reviewed by their investigations team! I am outraged that Barclays has impeded the XXXX XXXX felony investigation! Detective XXXX is concerned that video of the suspect or anything else that may help him in his investigation may no longer be available at the locations ( XXXX XXXX, XXXX, XXXX ) where my business credit card was used. I am now asking for the Consumer Financial Protection Bureau 's assistance in obtaining my 16-digit XXXX XXXX Business Mastercard credit card number from Barclays Bank. No consumer should ever have to go to such lengths to get their full credit card number from a financial institution! Furthermore, Barclays Bank should never be permitted to impede a felony investigation! I greatly appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Timeline below ... - XX/XX/XXXX Fraudulent Charge {$520.00} from XXXX XXXX XXXX ( XXXX XXXX ). I was never in the XXXX XXXX or purchased anything from there. - XX/XX/XXXX Reached out to Barclay 's via phone ( they may have the call recorded ). I told them everything and they said to fax in the statement or mail it in which I did. They said it may take a month or two to correct since it was over a year old but nothing was ever done. They gave me a case number XXXX. - XX/XX/XXXX - Resent fax - No response from Barclay 's - XX/XX/XXXX - I called back their fraud department and they said they never received the fax - XX/XX/XXXX - Sent another fax - No response from Barclay 's - XX/XX/XXXX - Mailed in a physical copy ... again no response. Since then I've reach out multiple times via phone and secure message on their website in my portal asking what is going on. They can't ever give me a straight answer and just keep telling me to either fax them or mail them which I've already done on multiple occasions. I know I am not the only one having trouble receiving reimbursement for fraudulent charges. I even had to close a previous card with them due to fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A