Date Received: 2020-03-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Consumer Finance Protection Bureau : I am submitting a complaint against Barclays for erroneously holding me responsible for fraudulent charges on my credit card. The attached documentation shows that I was not present in the location where the fraudulent charges were made on the dates they were made. I attempted to resolve the matter directly with Barclays with no success. The fraudulent charges totaled {$680.00} and were made between XX/XX/XXXX - XX/XX/XXXX in XXXX, LA. I was not in Louisiana during that time. The attached hotel receipts and credit card statements prove that I was in Texas during the entire date range when the fraudulent activity occurred. As I explained in my letter to Barclays dated XX/XX/XXXX, I was working in XXXX XXXX in XXXX but I departed on XX/XX/XXXX, as evidenced in the attached flight records. My Barclays card was lost/stolen during this trip. When I received the Barclays statement, dated XX/XX/XXXX, I immediately called Barclays to notify them of the fraudulent activity. Based on the call, they closed the account, reversed the charges pending an investigation, and sent me a new card. At that point I thought the matter was resolved. But in XX/XX/XXXX I received notification from Barclays that their research has indicated that the transaction ( s ) is valid and that they were placing the fraudulent charges back to my account for me to pay. When I called Barclays to ask what the basis was for their decision, they told me I had said in my initial phone call that the card was in my possession. I dont remember saying that. Instead, I remember being unsure where the card was. At the time of the call, I thought the card might be somewhere in my house, but I wasnt sure. Even if I did say what they claim I said, it was an error on my part and disproven the evidence presented. After that call, I faxed a letter with supporting evidence to Barclays on XX/XX/XXXX, requesting they reopen the investigating and reverse their previous decision. In early XXXX, I received their reply, dated XX/XX/XXXX, denying my request and notifying me all charges were my responsibility. Having been unable to satisfactorily resolve the matter directly with XXXX, Im making this complaint with the CFPB. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Harassing Phone Call received from XXXXXXXX XXXX XXXX ( Phone # XXXX ) on XX/XX/2020. At XXXX MST Phone rang twice. Caller hung up as soon as I answered. XXXX XXXX XXXX is representing Barclays Bank Delaware, in an attempt to collect a debt.
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: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2019 I opened an additional user credit card in my XXXX XXXX XXXX Mastercard for my XXXX year old son. During that time I had set up alerts on my card if transactions were made I would know about them. My son made 7 small transactions with XXXX during the first month he had the card and before the first statement was issued. Whereas I was notified of the charges which were between $ XXXX- {$10.00} Barclays never notified me through alerts that they were applying a {$10.00} Cash Advance Fee to each charge. For example, a XXXX charge was done on XX/XX/XXXX for {$1.00} and Barclays charged a {$10.00} Cash Advance fee without alert. No other credit card treats XXXX transactions as Cash Advances. XXXX XXXX charges 3 % of the total transaction for example. Barclays never notified me they were treating them as Cash Advances in any Agreement or through the alert system I had set up with them. At the end of the month when I received the bill I contacted Barclays and was told under no circumstance despite their deceptive practices they would remove the charges. I spoke to multiple representatives and supervisors who were rude, obnoxious and completely unprofessional. As a result I cancelled my card which I had for years without incident and refused to pay the bill. I'm willing to pay the bill less the {$70.00} in unlawful charges but Barclays has instead now decided to wreck my perfect credit. I'm asking the CFPB to look into the deceptive practices of Barclay 's on cash advances with XXXX and have them remove this information from my credit report. Barclay 's has probably collected millions of dollars from thousands of customers with this deceptive practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11050
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX BRCLYSBANKDE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dispute : XX/XX/2020 CFPB Barclays Bank Incorrect account balance reporting {$760.00} Contract I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is Barclays Bank Delaware with an original debt of {$760.00}. I have just completed my accounting for tax purposes and found that I have paid {$560.00} to the creditor via the consolidation program and my balance now due is {$200.00}. I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. My direct offer to the creditor on XX/XX/2020 to pay off a remaining balance of {$760.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$560.00} via the consolidation company and report the actual correct balance of {$200.00}. Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
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: We ordered an on-line streaming service ( one year subscription ) from XXXX XXXX XXXX XXXX using our Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard. We were charged twice for the service, each in the amount of {$99.00}, for a total charge of {$190.00}. The service was cancelled by XXXX XXXX XXXX who confirmed the cancellation in writing. We disputed the charge through the credit card company with the supporting evidence of cancellation. Despite this, the credit card company reinstated the charges and we have paid them in full. We believe it is incorrect for the credit card company to charge us for a service which the provider itself confirms was cancelled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for Uber credit card (XX/XX/2020 ) under a promotion. The promotion stated that if you spend {$500.00} in 90 days you would receive {$100.00} bonus in Uber Cash. After receiving the bonus it prompted me how to redeem and use the Uber cash. On the XX/XX/2020 I followed the prompts as follows : Transfer your bonus to your Uber Cash Account. Download app and install to your phone. Login into your account in the app and use Uber Cash to order Uber XXXX. I ordered Uber XXXX and received my food. To my surprise XX/XX/2020 my credit card was billed. My Uber Cash seems to be just virtually sitting out in cyber space as it seems to be just out there untouched. I contacted them about this and explained what happened. I talked to 5 different people and none of them could resolve this. I was so frustrated I closed my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Sent two checks that totaled the full amount due on statement along with payment stub to Barclay for payment on MasterCard account number ending in XXXX. The payment stub was sent to Barclays bank and cashed for full amount. However, it was NOT a check, it was a payment stub. One of the two checks was submitted to Barclays bank and cashed for amount of check. Our bank also accepted the payment stub as payment, but when shown the problem redeposited the money into the proper account. We have a check that cleared our bank but is not posted by Barclays as having been received. We have called Barclays and e-mailed copies to them of the cancelled checks. To protect our rights we also mailed them a letter with problem outlined and copies of cancelled checks. Received a letter stating they would look into the problem. Received another letter stating they are unable to complete our request. They cashed a check for {$2500.00} and refuse to apply it to our account. Not only do they say we still that money, but we are being billed finance charges as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX I signed up for a Barclay Cards XXXX XXXX branded card as I knew I would like to travel and accumulate miles through either paid travel or through the use of their milage program. I also signed up for the XXXX XXXX XXXX XXXX card a few months later. I've been a loyal customer of both banks for the past 6 years, never once any issues with paying the accumulated debt. I had built up over XXXX miles with XXXX XXXX through various means which included normal spending on the 2 banks credit cards, opening a checking account, etc. In late XX/XX/XXXX my XXXX XXXX account was frozen, in XX/XX/XXXX I received an email from XXXX XXXX that my account was not canceled and all of the miles I had worked to earn was gone. I have since closed my XXXX XXXX accounts as they are pointless to have and tie up available credit. The Barclay Cards account is still open and I was going to close it once I had paid off the balance. However, I'd like to know if there is anything that can be done to have my XXXX XXXX restored. I was trying to buildup the miles to use in my retirement and now I have nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
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: I submitted a balance transfer to my XXXX card for {$20000.00} on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX agreed to pay the balance to transfer cash to me. They added several charges to XXXX, XXXX, etc. There were also foreign fees added by Barclays. A payment of {$21000.00} made on XX/XX/XXXX. They payment was later reversed that resulted in high interest payment and other fees added by Barclays. I called XXXX XXXX on XX/XX/XXXX and they are investigating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A