Date Received: 2020-02-29
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: Carnival Cruise Lines sent an email offering a promotion for {$200.00} on board credit for using our Barclay Card ( promotes Carnival directly ) if we book the trip before XX/XX/XXXX. It had a special code. We used that code. As of today, Carnival switched the code in their system to block us from getting the onboard credit. They then told us this was a Barclay card promotion. Barclay said they never promoted it. REGARDLESS, we asked SEVERAL times to file a dispute for the charge on the credit card because it was false advertising. ( If you have onboard credit and you don't use it, that amount get 's credited back to your credit card. We've used it that way several times before in the past ). So basically it puts us at a {$200.00} over payment. Barclay card REFUSED to allow us to file a dispute! WE were on the phone for hours speaking to several people. That person 's name was, XXXX and her ID was XXXX. Whether or not that is her real number I don't know. Documented phone call was today XX/XX/2020 XXXX XXXX. We had to speak to SEVERAL employees! SO the code we entered was XXXX. The carnival representative said the code she saw was XXXX. Then she sends us a screen shot of her computer that has a DIFFERENT code. Someone perhaps their software developer switched the code for the booking to prevent us from getting the onboard credit. It's bait and switch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33803
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for this card using the promotional flyer issued in flight that clearly states there is no annual fee in the 1st year. Also it comes with XXXX mile once a transaction is made within 30 days. I fulfilled both, yet I see {$99.00} annual fee assessed and no XXXX mile given to my account. I called 2 weeks before upon seeing this 2 weeks ago and I was told it will be taken care. Two weeks passed and I see the statement still showing the annual fee assessed and no XXXX miles issued to my plan. Hence I called today and spoke to the same customer service agent and she says there is change is in terms in XX/XX/2020 that voids both of these promotions. This is cheating the customer and is fraud. Upon raising this she said, there no promotional code applied which is a lie, I used the code that was had written in the flyer. The card was issued before the terms were changed hence it should not be applied. Even if you were to apply the change in terms after the card was issued when the promotion was in effect, the customer should be given the choice to walk away due to this cheating practice or due to the falsified promotion you offered. I asked that the account be closed, and no annual fee be assessed. You denied that request also and stated the annual fee will still be assessed. I will be raising this as complaint to the federal trades commissioner also shortly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
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: my wife and I went online to reserve a hotel room online my credit card was charged {$270.00} XX/XX/2019 XXXX Florida
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
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: Barclays Delaware Bank / The Luxury Card Billing inquiries / disputes Card Services XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Dear Sir or Madam : On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX by phone regarding a vacation package. The alleged XXXX representative advised me over the phone they were affiliated with a U.S. based chain hotel where I have stayed on occasions in the recent past. I am a XXXX+ year old male and am currently exercising XXXX XXXX XXXX for various health reasons on the date of this transaction. I provided my Mastercard number in good faith as I believed XXXX XXXX XXXX aka XXXX XXXX was affiliated with my hotel of choice and therefore was a legitimate company. I disputed a charge of {$790.00} to my Luxury Mastercard on XX/XX/XXXX after not being able to reach the travel company and them not returning my e-mails. I provided Luxury Mastercard with evidence of a sales certificate written agreement via fax which I did not sign or date to activate with the travel company. I also did not sign the XXXX Credit Card Voucher emailed to me from allegedly XXXX, XXXX. On this date, I pulled up my Luxury Card account and observed that the charge of {$790.00}, which had been temporarily removed from my account pending investigation was re-applied to my account. I was not informed of this and have not received any written notification of this adverse action to date. I will be exercising my consumer rights by filing a formal complaint with the Consumer Financial Protection Bureau due to billing errors, as well as sending all evidence and related documents to my legal representatives, XXXX XXXX XXXX, XXXX XXXX, TX. This serves as a formal complaint in writing regarding the unfair business practices mentioned herein regarding Barclays Bank Delaware aka Luxury Card. Upon reviewing the XXXX XXXX XXXX complaint reviews of this bank/Luxury Card, I observed numerous other consumer complaints filed regarding what appears to be unfair and bad faith business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I had a Barclays Bank Credit Card where I make a {$50.00} minimum payment. I recently had gone through a financial hardship and had been late making a few payments. BARCLAY transferred to a collection name XXXX XXXX XXXX. It was posted on my 3 credit bureaus on XX/XX/2016 with the amount of {$1900.00}. XXXX XXXX began to get a lawyer and talked with my employer who then started to garnish my wages. Total balance is now {$880.00} and I had to leave my job because of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97132
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello, While away on vacation in XXXX of 2017 my card was fraudulently charged for several items. Barclay bank perform an investigation and subsequently restored the transactions. Once I asked for the documentation for the reversal was told only with a lawyer via a subpoena can they release records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an XXXX XXXX credit card account with Barclay 's Bank. This is a rarely used account. The balance has always been paid in full each month. In XX/XX/XXXX, the bank lost my street address. It is unclear how this happened. I did not move, have my mail returned to sender, or participate in this error in any way. In XXXX my address was correct on my Barclay 's statement. On the XXXX statement ( which I have only recently seen online, as it was never mailed to me ), my address included my name, my city, state, and zip code, but no street name or street number. A customer service representative has confirmed that when my XXXX statement was sent out, it was returned to Barclays. This error was never corrected by Barclays. It appears never even to have been looked into, as I was never contacted by phone about the returned statement, despite having my phone number on file with the bank. At the time, I had a balance of {$62.00} because I had recently travelled and charged baggage fees to the XXXX XXXX card. Because I was never notified of the balance, it was never paid. I was never contacted about this. No phone call was ever made, nor was any mail sent to my address concerning my failure to pay my bill. Given that I was not using the card, I did not realize this problem until XX/XX/XXXX, and by that time three months of delinquencies had been reported to the credit rating agencies. Upon finding out about the unpaid balance and delinquencies, I immediately called the bank ( on XX/XX/XXXX ), where a customer service representative ( XXXX, ID : XXXX ) and I went through the statements and figured out that my address had been lost and when the loss occurred. She credited me back all late fees, interest, and penalties and gave me an address to contact to correct the credit reporting. I mailed that address a letter explaining the above story, as well as a copy of my statement from XXXX ( which had my correct street address ), and the ones from XXXX onward ( which did not ). I requested that they remove the three months of delinquencies from my record with the consumer reporting agencies. Additionally I closed the account and have since paid the balance in full. I received a reply dated XX/XX/XXXX explaining that correcting my record with the consumer reporting agencies would create an inaccurate representation of my account. It is my position that it is the responsibility of the bank not to lose my address and to make me aware of my balance, and that one can not be delinquent in paying a bill that one was never sent. Furthermore, though it has a phone number on file for me, Barclays made no effort to call me about either the missing address or the unpaid balance, when it clearly knew from the returned statements that the address was in error and that I was not receiving balance notifications. Therefore, while the account may not have been paid, it certainly was not delinquent. Barclay 's customer service department has admitted as much by removing the interest and late payment charges from my account. I would like to have my credit corrected as expeditiously as possible. Of note, before submitting this, I sent a copy of this entire complaint to Barclays to review, with a cover letter that I was planning to submit it on the CFPBs complaint website. I have attached both the cover letter and Barclays response, in which they declined to correct my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have previously filed a complaint against this company Complaint Number XXXX. On dated XX/XX/XXXX statement because I contacted your agency, XXXX posted my accounted with $ XXXX misposted payment and {$100.00} Encode Error. On dated XX/XX/XXXX statement, there are two transactions dated XX/XX/XXXX Encode Error Reversal - {$100.00} and {$1000.00}. This transaction took away the " misposted payment '' that was given to me on XX/XX/XXXX statement. It also caused a my account NOT to be paid in full as I always do and have done for all the years I have own the card so interest charge was applied of {$51.00} I immediately called XXXX and spoke with a Manager named XXXX and he insisted at first that it was because I did not pay {$1000.00} back in XXXX. According to the notes posted on the account, the items submitted from myself were not clearly visible. XXXX opened a case number XXXX. He then read more into the notes and said that the settlement team made the decision to place the Encode Error Reversal on the account and take away the money that was rightfully mine that I deposited to XXXX in XX/XX/XXXX ( 3 months ago ). Again I am not sure how this could be as I provide the XXXX receipt that clearly shows the numeric numbers as well as the XXXX phone number and the XXXX XXXX numbers that one can call and listen to the automated answer as to the value of each money order. The person on the phone said he had to open another case and needed 30+ days to review the material. I told him to pick up the phone and call XXXX and put in the XXXX XXXX numbers and you will hear the values and that will take less than 10 minutes. I am tired of calling people and being on the phone for hours at a time trying to get creditted MY OWN MONEY! IT IS WRONG!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays Credit Card A fraudulent charge was made to my account on XX/XX/XXXX. Barclays was made aware of the charge on XX/XX/XXXX and a provisional credit was made. The charge was reversed on XX/XX/XXXX. I appealed the decision in writing on XX/XX/XXXX and again on XX/XX/XXXX. I ultimately paid the charge of {$720.00} in order to protect my credit. XXXX XXXX The fraudulent charge was for an airline ticket with XXXX XXXX. I also disputed the charge with XXXX XXXX but they also will not refund the money in spite of an airline ticket being purchased in someone else 's name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Barclay is reporting my credit as being late or non payment when they closed my account and I'm paying them off through a third party collector. XXXX XXXX XXXX XXXX. I have been perfect with payment history and paying them back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A