Date Received: 2020-03-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a credit card with Barclays Bank in XXXX after being solicited by XXXX and wanting to save for my daughter 's education. Big mistake on my part. In XXXX, while my daughter was a XXXX in college, I added her as an authorized user on the credit card in case she needed to make an emergency purchase while at college. At the time, Barclay 's Bank assured both of us that my daughter had no financial responsibility for the card. In XXXX, XXXX, a charge was made to the account. Unknown to me at the time, Barclays had stopped sending statements on the account so that I was not aware of the charge however, my daughter did not make the purchase and her credit card was not activated at that time. I found out about the charge on XX/XX/XXXX due to a major decline in my fico score that was posted monthly by my bank. I paid the charge that day in the amount of XXXX dollars. Unfortunately, this has ruined both of our credit profiles. I can accept that this has ruined my credit even thought it is the only late payment that I have ever made. My score went down 100 points but it is still XXXX. My daughter however, is XXXX and her score has gone down almost 200 points. She has had 2 credit cards cancelled and been turned down for a car loan. Her credit score has gone down from the mid 800 's to the low 600 's. All because of the misrepresentation of Barclay 's Bank. They have ruined her future and should be held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Problem : {$1300.00} worthy of Uber Visa Card points are forced to depreciated into {$250.00} uber cash Late XX/XX/XXXX, Barclays relaunches the Uber Credit Card. In the informing email sent out to its existing card-holders, it only emphasized the change of new rewards earning structure, including earn 5 % back in Uber Cash, mentioned all rewards points would be converted into Uber Cash if not asked to be redeemed by card-holders before XX/XX/XXXX. Mid-XX/XX/XXXX : I redeemed {$250.00} Uber Cash, which is marketed as " earned this billing cycle. '' I couldn't help notice that there was {$1000.00} marked as " earned last statement '' but I was unable to redeem them because {$250.00} was all that the Uber app showed as " available to redeem. '' ( Please see attached Exhibit A and B for reference ) I called up Barclay and they asked me to seek help from Uber, so I did. Then Uber asked me to address the issue Barclay, so I called Barclay again. This time they agreed to open an investigation for me. XX/XX/XXXX, I received a letter from Barclay asking me to call them for more information about my case. I was informed by the representative that the {$250.00} I redeemed are of the same value the {$1300.00} rewards points in the past and therefore she could not help me match the discrepancy. In other words, my {$1300.00} worth of rewards is depreciated into 20 % of its original value because Barclays and Uber decided this is how they want to do their business. My complaints : 1. This is an atrocious breach of trust and contract, not only because this is not the term I agreed when I signed up for Uber Cash, but also a fraud of allowing card-holders to assume that they reward points are of the same value in U.S dollars only to be redeemed in a limited manner. 2. The email that was supposed to serve the purpose of informing card-holders change of contract terms was opaqued by the highlights of new benefits and encouragement of usage of Uber Card, which in its very nature is advertisement and a distraction of important notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
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: This company is being inconsiderate, I have tried for a number of times to find resolution with these company but all efforts are in vain. I had a XXXX XXXX XXXX in late XX/XX/2018. The XXXX was not 100 % successful, it turned up to be a nightmare as I had to stay in the hospital for further checkup. In the process, I was unable to work and suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt XXXX XXXX My condition was so bad that I could not manage my finances for a period of time. As a result, fell behind in my monthly payments for that period. But after I recovered that is late XXXX that year, I have been making my payments in time ever since. It was never my intention to be late. As a matter of fact, I could not work during that period as I was recovering from XXXX XXXX. After I recovered around XX/XX/2018, I have maintained a perfect record ever since. Also, keep in mind, if it were not the XXXX XXXX, this account would have never fallen behind. Attached herewith is the letter I sent them earlier
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received in the mail an unsolicited and unwanted credit card, apparently affiliated with a timeshare. I did not activate the card. I was shocked to subsequently receive a billing statement in XXXX albeit with XXXX due amount. I called the company to ascertain what exactly happened. I notified the company, Barclay bank that I neither was informed of any credit card application ; nor authorized ; nor signed any application. I spoke to five different employees, one twice ( XXXX ) in Customer Service, Fraud, and a Supervisor. I was appalled to learn Barclays perspective - that the timeshare company ( Wyndham ) has the opinion I authorized the card. Not only have I received negative impact to my credit score by issuing this card fraudulently, cancelling it becomes another adverse credit event. This is unacceptable, and I seek your assistance to rectify this atrocious conduct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2020 I attended a Timeshare Presentation hosted by XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX NY. After this presentation the representative asked for our social security and state ID in order to run a credit check to see if we could qualify for their timeshare program. We declined to participate in their program and explicitly stated we did not want to be involved in any of their programs. During no point in time during their presentation did they state they would open a line of credit for us, nor did we ever state that we wanted to apply for their rewards card. They used my information to open a new credit card without my knowledge. On XX/XX/2020 I was notified that a new credit account was opened in my name in my XXXX credit report. The company BARCLAYS BANK DELAWARE opened a new WYNDHAM VISA REWARDS credit account. The account was opened on XX/XX/2020 without my knowledge. On XX/XX/2020 I called the company directly and they agreed to cancel the credit account, however even when I expressed that this account was opened without my knowledge they did not say that my claim would be investigated. I am currently awaiting confirmation that the credit account has been cancelled. I would like BARCLAYS BANK DELAWARE to initiate a fraud investigation so that their account is taken off of my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: BARCLAYS BANK DELAWARE The first time I've ever heard of Barclays Bank when they sent me a billing statement with a balance for around {$1400.00}. I called them soon after and told them that this is not opened and was fraudulently opened and I had no knowledge of the company or the account. Then they still put it on my credit report as a charge off. I don't know how to prove that I didn't open an account with them, every account that I have opened are always paid on time and never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I applied for the XXXX XXXX Plus Credit Card with a {$99.00} annual fee from Barclays on XX/XX/XXXX primarily to use its trip delay insurance benefit that was advertised on its website. As advised in advance of purchase by a Barclayscard XXXX XXXX Plus Card agent, I booked XXXX XXXX airfare tickets on another card on XX/XX/XXXX, received the XXXX XXXX Plus card on XX/XX/XXXX and immediately had the airline tickets transferred to my XXXX XXXX Plus card on XX/XX/XXXX so that I would have trip delay insurance for the trip as provided by the XXXX XXXX Plus card. I paid the {$99.00} annual fee included on my XX/XX/XXXX statement. On XX/XX/XXXX, I received an email notifying me that the trip delay insurance benefits had been terminated retroactively as of XX/XX/XXXX. In XX/XX/XXXX, we used the XXXX XXXX tickets purchased on XX/XX/XXXX. Our flight was cancelled, and our trip was delayed by two days. Due to Barclays false advertising of trip delay insurance and retroactive notification of termination of the insurance, we had no trip delay insurance to cover our expenses. I spent several hours on the phone with Barclays XXXX XXXX Plus Card Customer Service regarding this issue getting nowhere. I understand that the underlying benefit might have been provided by Mastercard, however it was still Barclay 's obligation not to false advertise on its website and to provide notification of the termination of the insurance benefit prior to the insurance being cancelled. I am seeking a refund of the {$99.00} annual fee since I got the card and paid the {$99.00} because of the falsely advertised trip delay insurance benefit. I am also seeking compensation for the two day delay of the XXXX XXXX trip that had ultimately had no trip delay insurance, leaving us without coverage of insured hotel and incidental expenses. There was no indication on the website on XX/XX/XXXX that the benefit would be expiring within a few days. I only learned of this 20 days after the fact, after my XXXX XXXX ticket was already purchased. I believe that in addition to the false advertising, it is not legal to terminate insurance benefits without prior notification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: For 7 years, I have had credit card accounts with Barclays that earns frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Barclays, as well as submitting proof of my business through requested documents. I used the credit cards daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Last year, I opened a credit card with Barclays that earns frequent flyer miles from XXXX XXXX. On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for this credit card in my own name and was vetted through identity checks and credit reports by Barclays. I used the credit card daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Reopening complaint XXXX Company responded would send paper bills, never received paper bills or letter that they attached here. Still getting emails stating my statement is ready. Have not been able to pay now for 3 months. 20+ harassing phone calls a day asking for money, 10+ emails trolling asking to log into my account to pay which is what started this complaint and now putting on credit scores no payments. This company is a scam and the person that responded is a liar.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A