Date Received: 2020-01-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I called my credit card company, XXXX XXXX XXXX XXXX MasterCard to pay the balance of my bill that was late. The balance due was {$43.00}. I offered to pay the bill in full but XXXX ( XXXX ) from Barclays insisted that I pay the late fee that was {$39.00}. According to the regulations : Why did my credit card issuer increase my late payment fee? The first time you are late, the credit card company can charge you a fee of up to {$28.00}. If you are late a second time within the next six billing cycles ( typically a billing cycle is a month ), the card company generally can charge you up to {$39.00}. However, the late fee can never be more than the minimum amount due. The late fee is 90 % of the balance due? The minimum due was {$27.00}. They are overcharging me for a late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed an unauthorized inquiry from Barclays Bank Delaware ( Brcylsbankde ) on XX/XX/2019, on my XXXX credit report. I have never applied nor gave permission to obtain my information to this institution. I have sent several letters to this company and no results. Please provide a bearing signature and application that was created with your company. I am a victim of identity fraud and have locked all of my credit files. Please remove this as soon as possible as it is harming me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77498
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
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 a balance transfer charge of {$2000.00} was charged to our credit card. This charge was not processed correctly and didn't go through. We have contacted the company numerous times to resolve this issue. We do have a legitimate charge on this account which we are currently paying. The company continues to pass the buck to other departments and no one will resolve this issue. Please help us with this problem. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
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: Multiple fraudulent charges made in-store at XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX with my Barclaycard Arrival World MasterCard credit card. Fraudulent charges include : XX/XX/2020 @ XXXX of {$450.00} in XXXX, XXXX, CA XX/XX/2020@ XXXX of {$490.00} in XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$310.00} in XXXX XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$410.00} in XXXX, XXXX, CA Time of charge and location of charge provided by credit card company. Credit card was still under my possession during time of charges. Credit card company states chip was used and denies any fraudulent wrong doing despite multiple pleas to reverse charges explaining that despite still having the card in my possession that those charges were not made by me. Credit card fraud representative made aware by my self that such large consecutive monetary charges were not flagged by company as possibly fraudulent and I was not alerted of charges immediately after they were made despite having alerts set. One representative basically said that the charges did not appear fraudulent. Her cold tactless response only aided in escalating an already frustrating situation. I discovered the fraudulent charges independently on XX/XX/2020 and called the company immediately. Their electronic alert system did not alert me to the charges until XX/XX/2020. Complaint of their alert system also made to company. If their alert system had worked properly further fraudulent charges could have been prevented. I do not live and rarely ever shop at these locations. I was not in those locations during time of purchase. I believe a blatant crime was committed. Barclaycard company is failing to assist me in the matter. A police report has been made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95212
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I made purchases for Mn XXXX XXXX Tickets on the XX/XX/XXXX and XX/XX/XXXX. The total of these purchases was {$3100.00}. Per the terms I should earn 2 points per {$1.00} on XXXX and Team Purchases. This is eligble on XXXX Tickets. Per the terms I should get 0 % APR for 6 months on my XXXX Ticket purchases from any participating XXXX team ticket office. When purchasing MN XXXX tickets this is the site ( XXXX ) that the team uses. Ive had this issue in the past and every time have to file a complaint or try get in touch with someone else to remove the finance charges on my account and get my double rewards. Its getting very frustrating. Id like assistance removing the finance charges from my account, and awarding me the double points on my account. I did write to the company they opened up a case for me XXXX but Ive gotten a denial letter in the mail. Ironically my brother ( XXXX XXXX ) has a this same XXXX XXXX Reward XXXX visa card. Did a complaint as well through their company ... And they APPROVED his! But not mine ; )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am contacting you on behalf of my daughter who is XXXX. She opened an XXXX credit card through Barclays to purchase initially an XXXX tablet for XXXX XX/XX/XXXX. She was signed up for zero interest to pay off in 12 months. On XX/XX/XXXX she went to XXXX store to purchase XXXX. She put it on credit card to get " points '' and was to pay off when it showed up on her statement. She called Barclays and they stated payment would not go towards phone! Having now almost a {$1000.00} bill is VERY overwhelming and daunting for a XXXX XXXX only working part-time! She was upset so we both called Barclays on XX/XX/XXXX and spoke with manager XXXX.I stated we were told we could pay off phone. XXXX indicated " no ''. I stated this was " bait & switch '' and I would be submitting a complaint.My daughter did make a payment for the phone including tax however it did not remove charges for the phone on her statement as they put it on zero interest for 6 months. I strongly believe this is how people get into trouble with credit cards! My daughter now has un-necessary stress as a result! Had she known this, she would have brought in cash. Someone should have stated that she would not be able to pay off following month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: i paid them is full on XX/XX/2019 for XXXX my balance was only XXXX and they saying they didnt get the check but i have a copy of the check barclays cash and they still keep taking my monthly payment for XXXX for which they got paid off.i called over 10 times and they keep telling me they dont have it but the company whom i refinance my house through have a copy of the check they cash.please help me to get my money they now owe me for paying more than what my balance was.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: My purchases were closely monitored by a third party without my authorization or approval. The monitoring continuously allowed retrieval of items purchased for chemical treatments, removal, or avoid use without notice from the merchant. The incidents were continuously reported as burglaries. None of the items purchased were from independent contractors or resellers. The items were purchased from major gas, pharmaceutical, electronics and clothing and linen retailers. Even when purchased online, the vendors selected when given the option to select from approved sellers of which the retail agent was allowed to negotiate were never independent contractors. Actions to support smaller businesses not involving the activities of the above but purchases of consumable items, often involved GPS tracking to allow individuals to arrive at the same time as the reporting party, which was not what the reporting party intended.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2020-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The company is reporting negative to my credit report in despite of a settlement agreement with the debt collector or account the credit companies sold to a debt collector. The Fair Credit Reporting Act prohibits a company from reporting negatively to my credit report for the sole purpose of revenge after a settlement agreement was reached or a business no longer owns the account. These payoff sheets do not match the reported credit information being derogatory on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2020-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Barclays card. I have a high limit and charge a lot for work. I pay the bill in full by the end of each cycle. called to make payment on XX/XX/XXXX for {$24000.00}, called again same day and made payment for {$25000.00}, and for {$6100.00}. XX/XX/XXXX called and made a payment for {$4700.00} called XX/XX/XXXX XXXX XXXX to see if my line of credit is opened, spoke to a supervisor. I was informed that I would have available credit on XX/XX/XXXX - I went nuts. The money left my account on XX/XX/XXXX. I have had a card with them for many years, charge in excess of {$100000.00} per month, I do not carry a balance & do not bounce checks. They had me do a conference call with my bank to confirm that they money really did leave my account. I have other cards, but this card has the best perks. They are the worst to do business with. We have another issue as well. I made a payment that was delivered to them on XX/XX/XXXX. they claim it arrived on XXXX - I have a signed slip and they will not delete interest charges. Cost me {$1200.00}. I am going thru Mass Consumer Assistance. If they do this to me, what are they doing to people who can not defend themselves. I think their business plan is to delay receipt of payments to increase fee income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2020-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A