Date Received: 2020-02-04
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XXXX I have lost my cell phone which had a sticky wallet at the back of the of it. Called barclay abt the card being lost, the Rep went over few charges all was mine but one for over 300.00. I made it clear with her that it wasn't mine that is unauthorized. All was good until XXXX the charge appeared again on my credit card. I thought its a recurring charge with the company so I called to ask why this company is still charging me after I reported the charge unauthorized. I then was told that the merchant sent them docs which has my phone # / email address/ home address which matches my info. Alright! After I explained to the Rep. that my wallet and phone both were lost. Which means all my info is out their to be used yet she is so damn to say that the transaction is legit and that I made the purchase ... I asked her to atleast tell me what did I purchase? She said some product the merchant sent you and you ordered it and you received the merchant. Really???? But I have not ordered and have never received anything. huh! I kept calling barclay over and over again to find out why I am being charged for a purchase I didn't make! Same answer ... So decided rectify this issue my self. I called barclay to get the contact info for the merchant so I find out why the merchant charged me when I didnt make a purchase and never received any product. The Rep this tome told me ohhhh I am sorry it isn't a product its actually a ticket ... hummmmm really??? What kind of ticket? The Rep is mute ... .. Comes back and says an event ticket. For what? Eye mashes ... .. But I have never booked the eyelash tickets and never attended the event. She appologized and said I am sorry but the case is closed and decision is made that you made the purchase and u need to pay the balance on ur credit card. I asked her to give me the merchant contact let me solve this my self. She gave me some # ... ..when I called it was a number a 3rd party credit card company who r charging ppl for events And if customer have any question abt the charges on the credit card they need to login to the acct through online to get in touch with them by emailing them. Honestly ... ..how in the world am I supposed to contact the ppl who r claiming that I bought tickets from them and I cant find the actual merchant anywhere on the web? I am being accused by Barclay. They r asking me to send them a copy of my new ID??? I had 2 DL one with my old address and the one I lost was with my new address. I did go to the DMV to get a new DL. I was told my old DL is ok to be used untill the exp. Date which is XX/XX/2020. So I left the DMV. And decided to use my old ID. I never did a police report because there was just my DL and the credit card no cash involved And my was just one of the boost pay as you go with a cracked screen. So thought the phone was not worth it and the credit card I called and report lost and DL I will have to get a new one. But Now because of Barclay I accrued to me that not all banks have your back when there is unauthorized transaction made on your credit card and you are being a victim and yet banks like Barclay stands on the thieves sides and help them steal from the customers who has nothing to do with transaction was made. What upsets me is that I called barclay to repirt my card lost. N yet they accuse me of lying. I tried to talk to the higher management but the Reps. Never transfer you they just talk ... talk and talk and they say this shud be taken care of I just submit a new claim and you shud Hear from us etc. I am just sick and tired of barclay and the uneducated employees. Was just looking for help online if your credit card company is accusing you and holding you responsible for the charges you didn't make The web search brought me here and I hope that someone helps me get my money back. I don't 8 want any business with barclay bank NO more.I AM DONE WITH BARCLAY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Back in XXXX of XXXX, I filed a dispute about a fraudulent charge on my Barclays Arrival World Mastercard. After 4 MONTHS, I received a letter saying the dispute had been reversed, with back up documents consisting of 6 COMPLETELY BLACKED OUT PAGES. When I called about this, the dispute department investigated, apologized profusely, and said they would re-send legible notes. It took several more calls to get them to do so, and when they did, I found the documentation ( from the merchant, a hotel ) to be full of inaccuracies and misstatements. When I immediately called to tell them this, I was informed that the case was now closed due to the amount of time that had passed! After several attempts to reopen the dispute, I finally gave up. ( I ultimately got all my money back from the merchant myself, with no help from Barclays. ) Following this, beginning in XX/XX/XXXX, each of my monthly statements contained errors, necessitating numerous phone calls to customer service to correct them. On XX/XX/XXXX, agent " XXXX '' ( id # XXXX ) told me my balance was " XXXX. '' On XX/XX/XXXX, I had an extremely lengthy conversation with " XXXX '' ( id # XXXX ) during which we went over all my balances and payments over the preceding 4 months, and the end of which, it was determined that my final, total balance was {$630.00}. After confirming our conversation was being recorded, I had him reiterate the balance, and confirm that after payment, my balance would be XXXX, which he did. I immediately paid the final balance, and closed the account. Even though there were no outstanding charges on the account, I've continued to received statements with outstanding balances, necessitating further phone calls each month, to no avail. Finally, on XX/XX/XXXX, I spoke to XXXX XXXX, an Exectuvie Assistant Speicalist in the Office of the President. She said she would retrieve the recorded conversation from XX/XX/XXXX and get back to me. Instead I received a form letter, simply telling me that " all charges were legitimate. '' I was never able to speak to Ms. XXXX again, despite leaving numerous messages. On XX/XX/XXXX, I received a voice message from XXXX XXXX, asking me to call her back. However, she never left an extension, and I received no response to 3 separate voicemails left in the general mailbox. On XX/XX/XXXX, I received a voicemail from XXXX XXXX, who did leave an extension. To date, I have left MsXXXX XXXX a total of 4 voicemails. She has never returned any of them. I am still being charged monthly for this closed account, with ever-mounting late-fees and interest charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX injuries. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received a letter dated XXXX of XX/XX/2020, from Barclays of XXXX, Delaware XXXX, that they had inquired about my credit score. I do not recognize this company. I did not authorize them to look up my credit nor did I inquire about any kind of card or services of theirs. Attempts to contact their complant department using a phone number on their website ( XXXX ) do not result in contact with any human being, and they provide no other number in which a human seems to answer. That is my extent of an inquiry with them as it made it nowhere. I would like to find out who authorized a credit search, copy 's of all documentation related to this, as well as an explanation as to why they can search my credit without my consent. Application # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99654
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The XXXX XXXX XXXX advertises you earn 2x points at Restaurants. I charged {$150.00} at XXXX XXXX in XXXX XXXX, FL on XX/XX/2020. I was only awarded 1x points and not 2x as promised. Other restaurants on my statement have earned 2x but this one has not. At {$150.00} I should be entitled XXXX points instead of the XXXX points. Terms of the program state " Purchases must be submitted by merchants using the merchant category codes for purchases in the above specified categories to qualify for the additional XXXX points. Barclays and XXXX are not responsible for incorrectly coded purchases. '' However, the billing statement, the merchant is classified as " XXXX XXXX - XXXX '' with a " doing business as '' a restaurant. This is probably happing with many other customers. The merchant had submitted as a Restaurant. This blanket disclosure should not be a scapegoat in Barclaycards responsibility to reasonably fulfill their accelerated points offers and should be challenged by the CFPB for UDAAP concerns during their next exam of marketing and fulfillment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
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 applied for a Barclays credit card & was approved. But they never sent me my card. Yet there is already a large balance owed on the account but I have yet to receive my card! Also someone broke into several cars in my apartments, mine was one of them. My phone and wallet was stolen from out of my car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
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: The weekend of XX/XX/XXXX, I attended a Real Estate Expo in XXXX XXXX, CA. On XX/XX/XXXX, I purchased a 3 Day Workshop with XXXX XXXX XXXX for {$990.00}, {$490.00} of it was charged to my Barclay Wyndham card. On XX/XX/XXXX, I purchased a {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX Course with XXXX XXXX, also I purchased XXXX XXXX XXXX XXXX with XXXX XXXX for {$690.00}, both also charged to my Barclay Wyndham card. On XX/XX/XXXX, a XXXX XXXX XXXX Representative phoned me to tell me about XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$27000.00} ). I was told that this program would give me the best chance of success. I was told this program would allow me access to coaches who would guide me step by step on the process that I should take in order to be successful at real estate investing. The representative asked me about my credit cards and their balances, I only had {$16000.00} left on my credit cards. The representative told me which cards to use and how much to put on each card. He said I had nothing to lose and everything to gain. He said my real estate profits would cover my credit card payments and when I started making money, I could pay the remaining {$10000.00}. I put {$4500.00} of the {$16000.00} on my Barclay XXXX card. On XX/XX/XXXX, I was notified by a XXXX XXXX XXXX ( also known as XXXX ) representative, that XXXX XXXX, the main educational company that provides instructional, seminar and other educational services for XXXX XXXX XXXX ... XXXX XXXX and several other guru 's training program had been taken over by the federal government. After further review, it was in fact confirmed that XXXX, XXXX was taken over by the Federal government for misrepresentations, false guarantees, and XXXX XXXX XXXX XXXX is also no longer operating. I reached out to Barclay XXXX and Wyndham on XX/XX/XXXX, by mail. I received a letter dated XXXX XXXX, indicating they would credit my Barclay XXXX credit card half ( {$2200.00} ) of the {$4500.00} I paid to XXXX XXXX XXXX and a letter dated XX/XX/XXXX, indicating they wouldn't even investigate my dispute and would not be crediting my Barclay Wyndham account. I filed an appeal to the Barclay XXXX card on XX/XX/XXXX, and an appeal to Barclay Wyndham on XX/XX/XXXX. On XX/XX/XXXX, a manager, XXXX, called back providing me with manager callback case number XXXX indicating both decisions ( Barclay XXXX {$2200.00} credit and no investigation of Barclay Wyndham ) stand. I would only be credited back half of the {$4500.00} I paid using my Barclay XXXX card and no investigation for my Barclay Wyndham dispute. I only had the opportunity to utilize 3 of the coaching sessions I paid the {$4500.00} using my Barclay XXXX card. Further, the company was seized by the federal government for misrepresentation and false guarantees. I should not have to pay for services that we're fraudulent and deceitful, and paid for services that I can't receive because the business ( es ) are no longer operating. Barclay XXXX decided to only credit me half and Barclay Wyndham decided not to investigate and credit me at all. I don't think they conducted a full investigation or credit my account accordingly. As I explained to them all, I am not claiming a billing dispute. I am claiming a misrepresentation and services not rendered dispute, and for that I believe both my accounts should be credited the full amount, due to the government seizure for misrepresentation and false guarantees and their inability to provide me services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: some inquiries was posted on my credit report without my permission. XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
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: Barclay Aviator Mastercard issued me a bill where the total does not add up to the transactions shown on the statement. This is simply a math problem with their statement ( copy attached ). I contacted the card issuer and they informed me that their computers would not make a mistake and the math does add up. When I pointed out this is demonstrably false, they asserted that they did not have access to my printed statements. They then changed their opinion and suggested I needed to include 9 charges that are not shown on the statement, but would be provided at some time in the future, in order for the math to add up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I had submitted a previous CFPB complaint for the exact same issue ( CFPB record # XXXX ). Please refer to and read through this previous complaint for full understanding of my initial poor experience with Barclays. In summary, in order for me to finally be able to use my Barclaycard Arrival Plus World Elite Mastercard, I had to exert an ureasonable amount of effort, and also spend an exorbitant amount of time due to a lack in communication as well as a severe lack of quality on the part of Barclays customer service. After I submitted my previous complaint, it was addressed by Barclays and, at the time, was resolved. I even received a letter from the Office of the President that clearly stated, and I quote, " We appreciate you sending in the requested documents for verification, and I have confirmed, all restrictions have been removed from your account effective XX/XX/2019. '' ( entire letter attached below ). I was able to charge to my card, in fact I was able to charge over {$5000.00} to this card over the next few months as proven by my credit card statements. Fast forward to last week, when I was attempting to use my card for a purchase. I was trying to link my Barclaycard Arrival Plus World Elite Mastercard to XXXX, in order to pay for a very substantial purchase ( about {$5000.00} ). The card declined, so I called customer service. The representative put me on hold for about five minutes, when she checked back in and told me she was still looking into the issue. This long hold led me to believe that she was reading up on my file, and perhaps was educating herself on all of the previous issues that I had experienced. After another long hold, she comes back on the line and informs me that she has identified the issue. She then asks me if I recall a request for additional identification documentation back in XX/XX/XXXX, to which I tell her of COURSE I remember and have even submitted a CFPB complaint and had the Office of the President address and resolve. She expressed absolutely no empathy and did not seek to understand or clarify, insisting that I was missing documentation and would need to submit it, with a tone in her voice that implied that I had done something wrong. At this point you can understand how incredibly frustrated I was, having this same exact issue that I had already spent valuable time, effort, and frustration in resolving six months ago. I had already spent over {$5000.00} on the card since, which she could have easily found if she cared to check my file. The representative could have very easily listened to my story and quickly realized that Barclays was in the wrong, and very easily fixed my issue. Instead, she remained stubborn in her accusations, and I told her I would be calling the Barclays Office of the President. She expressed indifference, at which point I decided it was not worth my time or effort to help her understand, so I hung up. I then reached out and left a message for the last Barclays manager that assisted me the last time, in an effort to give Barclays a chance to make things right. It has been a week with no response, so this is why I am submitting a CFPB complaint as they are apparently the only way to have any real issues addressed by Barclays I do not understand why, after having this exact same issue addressed and resolved, it has come up again. I wanted simply to charge {$5000.00} to the card to earn miles, which I was unable to do that day due to the restriction. With all of this, also please note that I also hold another different Barclaycard and have been an existing customer for almost a year now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A