Date Received: 2020-03-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/2020 @ XXXX MST. XXXX XXXX XXXX called me, then hung-up on me, as soon as I answered the phone. All I heard was CLICK. This is now the third call/hang-up harassment from XXXX XXXX XXXX. The call came from XXXX ( XXXX XXXX ). Was placed to my phone XXXX ( XXXX XXXX ). XXXX XXXX XXXX specializes in debt collection. Why are they harassing me? Why is a Law Firm allowed to flagrantly break the law. Knowing that there will be no consequences? I thought America was a democracy. Everyone was required to follow the law and equally, be held responsible for breaking the law. Is that not so?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84720
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had a Barclays/Uber credit card for nearly 2 years, and it was obtained due to the then cash rewards program that was very competitive. I used it during that time without complaint or issue. Then, beginning of this year, they changed the terms and conditions, notifying me only by email ( and not even in the portal where you sign in and actually interact with your card to pay balances XXXX. As a result, they took my cash rewards and I am unable to redeem them as I normally do. During that dispute that neither Barclays nor Uber was willing to resolve, I threatened to not pay my card until this resolved, and that I would Stop Payment my latest payment. The manager then said, " Go ahead. '' I did ; however, after a few weeks, I removed the stop payment and resubmitted successfully the original payment and more. However, Barclays charged me a Stop Payment fee and are refusing to reverse it, even though it arose from this dispute and their own Manager said, " Go Ahead. '' So on one hand, Barclays has " stolen '' my cash rewards AND they refuse to waive a Stop Payment fee their own manager encouraged during this ongoing dispute. Barclays has been entirely unapologetic and unhelpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: In XXXX of XXXX I purchased an XXXX laptop computer for my daughter attending her XXXX year of college. In the store I was informed that they offered a " same as cash '' offer from BarclayCard that as long as I signed up for " autopay '' there would be no interest. After a week or so I received the traditional credit card disclosures from BarclayCard and a credit card I have not used. However, I did not receive ANY materials regarding the fact that the " interest free '' period would come to an end. Nor did I receive a date upon which it would end, thus triggering the balance of ALL interest ( since the initial balance ) coming due. Upon noticing the change in payments I contacted BarclayCard and was informed the following : We apologize for the confusion regarding the interest charges. Upon review of your account, your deferred interest promotion expired on XX/XX/XXXX. Deferred interest financing offers give you an extended amount of time to pay off purchases without being charged finance charges - as long as the promotional balance is paid in full by the end of the promotional period. If the purchase is not paid in full by the promotional expiration date displayed on your monthly statement, the finance charges that have been deferred during that promotional period will be billed to your account at the purchase APR 15.49 %. All of the details surrounding your promotional balance are outlined on your monthly billing statement. While minimum monthly payments are required throughout the promotional period, making only minimum monthly payments doesnt guarantee that your purchase ( s ) will be paid in full by the financing offer expiration date. Additional payment ( s ) may be required to avoid interest charges. Since the expiration of your promotion, you have been charged {$630.00} in differed interest and {$170.00} in purchase interest. We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
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/2019 I booked a car rental from XXXX, through their affiliated site " XXXX '' for XX/XX/19-XX/XX/19. The rental cost for the two days was {$190.00} which I paid on XX/XX/XXXX. The car I booked was a XXXX ( SUV ) that seated 7 people and was an '' intermediate '' class vehicle. I went to the garage to pick up the car. It was heavily damaged, but there were any attendants to speak with, so I took approximately 25 photos to show the damage that was on the car prior to my departing the garage. I returned the car several hours early, again there was not an attendant in the garage, in the same condition as when I picked it up. Upon receiving my credit card bill in XXXX. XXXX was charged me {$840.00}. for a car I had already paid for on XX/XX/2019. I made many attempts through both XXXX and my credit card to get this item removed from my credit card. XXXX/XXXX make it very difficult to talk to anyone. The American XXXX representatives say they have nothing to do with overseas rentals and the XXXX people would not speak to me because I had filed a dispute with my credit card. XXXX changed their story many times as to why I owed them this money. They said I did all the damage to the car, but I had photos to show the car was damaged before I left the rental garage. Then they said I agreed to pay $ 400+/day for the car. Which is crazy, why would I agree to pay $ 400+ per day when I already had paid in full back in XXXX for less than {$200.00} for both days? Next, XXXX said I cancelled the reservation, which is not true, I did rent the car. They had other reasons, but each and every reason I had proof that I did not owe them the money. Yet, my credit card company, Barclays, decided to side with XXXX. XXXX is known for doing this type of thing to Americans. If you do a XXXX search, you will see many examples of XXXX ' fraudulent charges. Now they are charging me for a ticket in XXXX, but have not provided any proof of a ticket other than their own paper work. I did not receive a ticket in XXXX and XXXX has not provided a copy of one from the XXXX police. In their last correspondence, XXXX has gone back to saying I owe them the $ 800+ dollars for the car damage! I have attached all of the photos I took before leaving XXXX ' garage. There is no possible way that I did that much damage to one car, on all four sides in under 48 hours. In fact, I didn't do any damage to the car. They did send one photo of damage they claimed I was responsible, but it was a photo of a different car! There are so many conflicting documents from XXXX that I don't think I could download them all, but I will if you would like me to. The last attachment is the letter I sent to Barclays in XXXX. It is fairly comprehensive and provides a chronological explanation of what occurred. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a Barclays XXXX XXXX XXXX Business MasterCard that earns XXXX XXXX miles based on spending on the card. I earned approximately 70,000 miles with this card, including a signup bonus. XXXX XXXX recently terminated my XXXX account, unilaterally and without warning, and confiscated the miles in the my account. They have not provided any details about why and have not given any way to appeal this decision. Barclays ' corporate partner, XXXX, has essentially stripped away the benefits earned via a Barclays credit card product. The approximate value of the miles earned via Barclays and then confiscated by XXXX is ~ {$2500.00}. I kindly request that Barclays reimburse this amount or work with XXXX to reinstate my account and the miles that were fraudulently confiscated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX is showing and Inquiry on my credit profile and I didnt apply for any card. Barclay on XX/XX/XXXX and XX/XX/XXXX and XXXX on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had a cash balance of {$800.00}. They changed the policy and I cant get the cash balance that was available before the policy change.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
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: 1. XX/XX/XXXX : We opened a billing dispute claim with Barclays regarding a return transaction in the amount of {$1000.00} at XXXX XXXX XXXX on XX/XX/XXXX that was never credited to our account. 2. XX/XX/XXXX : Our dispute claim was denied because Barclays confirmed with XXXX XXXX XXXX that a purchase/return/repurchase of an item ( earrings ) occurred on XX/XX/XXXX. However, the dispute was over the return transaction of the same item on XX/XX/XXXX. Although the transactions on XX/XX/XXXX regarding the same item were related to the return on XX/XX/XXXX since the original purchase occurred on XX/XX/XXXX, we did not dispute the transactions on XX/XX/XXXX. We were disputing the return of the item on XX/XX/XXXX. Accordingly, Barclays inquired about the wrong charge/transactions. They failed to inquire about the return transaction on XX/XX/XXXX. 3. XX/XX/XXXX : Per instructions from Barclays from a customer relationship manager on XX/XX/XXXX, we sent additional proof ( copies of the actual receipts of all the transactions on XX/XX/XXXX and XX/XX/XXXX ) to Barclays via fax. The claim was reopened and has been in under investigation since XX/XX/XXXX. 4. XX/XX/XXXX-XX/XX/XXXX : We have contacted Barclays numerous times via phone for follow up since the re-opening of the case on XX/XX/XXXX. We have also been in contact with XXXX XXXX XXXX throughout this whole process, and they have reached out to XXXX on or around XX/XX/XXXX. XXXX XXXX XXXX notified us on XX/XX/XXXX stating that XXXX XXXX XXXX credit card department has received confirmation from Barclays that the return was processed without issues. However, we still have not received any credit for this return transaction. Upon receiving this notice, we contacted Barclays via phone on XX/XX/XXXX. They stated that they see in their records communication between XXXX XXXX XXXX and Barclays. Barclays indicates that the dispute should be resolved soon, but they recommended us to send additional proof from XXXX XXXX XXXX showing the return transaction and corresponding reference number. Accordingly, we sent over via fax on XX/XX/XXXX the additional proof from XXXX XXXX XXXX. 5. XX/XX/XXXX : As indicated above, we have sent via fax again another set of proof from XXXX XXXX XXXX credit card department showing the same thing : that a return transaction in the amount of {$1000.00} occurred. We will have to wait and see how Barclays responds after this fax. However, it is ridiculous to not get any kind of definitive feedback from Barclays at this time even though the merchant 's credit card department has directly contact them and confirmed the return transaction. We feel we are being asked to do too much to get a credit from a return transaction. At this point, we are not confident that Barclays will take care of our matter promptly and accurately. We can not trust the information we are getting from Barclays customer relationship managers over phone. We have called Barclays multiple times throughout this whole process in order to keep posted with the handling of the dispute claim. Every time we have called, we received very inconsistent information about procedures for billing dispute claims and experienced very rude customer service ( customer relationship managers hanging up on us, raising their voice on us, etc. ). Also, it appeared that no one could sort out that there was confusion by Barclays and that they inquired about the wrong transactions. We had to repeatedly explain the same things to have them understand that the dispute was over a return transaction that occurred on XX/XX/XXXX in the amount of {$1000.00}. Most importantly, this whole dispute claim is taking very long to resolve because Barclays did not understand our dispute in the first place. They inquired about transactions that were not relevant to the dispute, which should not be an issue at a bank who deals with numerous kinds of credit card transactions and related complications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The account is closed already ... but I have been trying to make a payment for a two weeks now but no one will help. They tell me to keep waiting, but everyday my credit is affected negatively due to non payment ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68111
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Due to an issue with my bank and an ACH deposit not posting in time, a payment in the amount of {$50.00} was returned on XX/XX/XXXX, a late fee or insufficient funds fee charged same day in the amount of {$15.00}. A replacement payment made on XX/XX/XXXX in the amount of {$50.00} has cleared.
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: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A