Date Received: 2020-01-07
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I went to a Wyndham sales presentation on XX/XX/2019 at XXXX XXXX, Tennessee. I am a Wyndham owner and already have a Wyndam credit card. When I was speaking to the salesman, I was clear that I did not intend to make a purchase, and told him that both my husband and myself have Wyndham credit cards. The salesman asked us to make sure our account information was up to date and had us sign a statement that it was. About 10 days later, I received two notices fr om Barclay 's Bank, stating that we did not qualify for the credit cards that we applied for because we already had open accounts. I have been in contact with dozens of Wyndham owners who have been lied to and tricked into having a credit report run this way. It is a pervasive problem throughout the Wyndham franchise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: BARCLAY 's Bank - XXXX XXXX XXXX Master Card My Statement Due Date was XX/XX/XXXX. Total Due {$4400.00} I paid through XXXX XXXX Banking, it was an electronic payment for the Full Amount. I have proof from XXXX XXXX showing the electronic payment was received on XX/XX/XXXX. The Credit Card company is stating the payment was not received until XX/XX/XXXX They are telling me they have 2 to 3 Business days to process all payments. If they need this time, they should adjust the Payment Due Date. I think this is unfair practice and a way to charge consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27518
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX # XXXX On XX/XX/XXXX, My wallet was lost/stolen, while I was visiting XXXX, XXXX, XXXX. There were 3 cards in that wallet and no ID cards : 2 Visa cards from XXXX XXXX XXXX, and 1 MasterCard from Barclays US. There were unauthorized charges on all 3 of the cards. On XX/XX/XXXX, I received the attached letter from Barclays. The charges in dispute are the following : XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$5700.00} Barclays is refusing to accept my fraud claim due to the following reasons, stated in their response : This decision was made in part ; due to your confirmation that the credit card was in your possession within minutes of the fraud occurring as a parking charge was validated by you. Our investigation confirmed a pattern expensive purchases being made at high end retailers and then being claimed as fraud. It can be easily verified that the parking charge that is being referred to was made using XXXX XXXX, i.e., it was an online transaction. This, in no shape or form, confirms that the card was in my possession, within minutes of the occurrence of the fraud, as they have stated. Furthermore, the investigator seems to have not paid any attention to the fact that a police report was filed : XXXX Police Report XXXX XXXX/Officer XXXX/Badge # XXXX Under penalty of perjury, this confirms that these charges have NOT been made by me and filing the report and the investigation by the police surely confirms it. With the statement Our investigation confirmed a pattern expensive purchases being made at high-end retailers and then being claimed as fraud, are you accusing me of fraud? Are you aware of the implications that could have for you in court if and when I sue, when this is proven to be bogus? False accusations could have serious repercussions. With any fraud/transaction dispute claim, especially, when the claim has been approved by the bank, it is my understanding that a full and through investigation has been done, confirming that the charges were indeed fraudulent. Each claim has to also be looked at independently from any other previous claim. Looking at the history of my transactions, it can easily be verified that I have never made any purchases that I have deemed as authorized at a XXXX XXXX or XXXX XXXX. Claims as such, should all have been easily addressed with my filing of a police report for this claim. I have no complaints regarding the closure of my account. It is Barclays right to close this account due to business justifications. However, there was $ 200+ in rewards value that has been taken away due to this closure, that could have been applied as statement credit to the fraudulent account balance that you are refusing to reimburse me for. I seriously advise the Barclays Bank to respect the law and reimburse me for the unauthorized transactions made with my card. The reporting of the fraud was prompt, a police report has been filed, and I had never done business with any of these merchants. The parking ticket transaction was made using XXXX XXXX, and not in the form of card-present transaction with CHIP. If Barclays Bank still refuses to reimburse me for these charges, with the explanation/new information that I am providing in this Letter, I would make it my goal to talk to as many journalists/reporters that are willing to write about my story regarding the banks wrong-doing, creating a PR XXXX for Barclays, as well as suing the bank in court for the fraudulent charges, plus my attorney fees, plus defamation and wrongly accusing me of fraud. I really do hope that we could solve this matter amicably. Thank you for your time and consideration. Sincerely, -XXXX XXXX
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: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
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: I initiated a dispute on XX/XX/XXXX regarding a charge of {$890.00} for a Two-Day tour for me and my XXXX year old daughter in XXXX. I paid for this tour with the XXXX XXXX. I also paid for my flight tickets with the same card. I booked the fights for XX/XX/XXXX. I booked the tour for XX/XX/XXXX, but made a reservation on XX/XX/XXXX. When I received a ticket voucher with a date of XX/XX/XXXX, I thought it was a date when I made a booking. I contacted the XXXX XXXX on XX/XX/XXXX and specified that I am interested in the tours after XX/XX/XXXX. It turns out to be that on the voucher, was an actual date of the tour. However, I never booked the tour for that date. I also never received any communication from the XXXX XXXX informing me that I missed it. The Billing Dispute Department did not offer my any assistance and basically informed me that the charge was valid. I disagreed with that decision. The Billing Dispute reopened my claim after I provided the additional information. And once again I received the same response : the charge is valid. I can only deduce from this transactions that the department even did not review the additional documents I sent. When I tried to get in touch with the manager, they told me the manager was unavailable and will get in touch with me. The manager left me a voice mail and when I tried to reach her, I spent 30 minutes on the phone and still was unable to talk to her. I have never dealt with such a poor customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I opened a Barclays Card XXXX XXXX Master Card, a promotional offer on an XXXX XXXX flight. I subsequently never used the card. On XXXX XXXX, XXXX I was advised the account has been closed due to delinquency. I contacted Barclays on XXXX XXXX, XXXX. A " representative '' researched the account, found the {$99.00} amount " due '' was only for an annual membership renewal and that I had never used the account. I stated I wanted the account closed, the membership fee credited and the derogatory delinquent status removed from the credit bureau reporting. The representative, after looking at my other XXXX Barclay Card long history and good-standing, stated that he would do precisely that. I was provided a case # XXXX. I have since found the derogatory status has reduced my XXXX score from XXXX to XXXX. I contacted Barclays today as I had previously requested to be copied on communications to the credit bureaus. The " representative '' today was much less helpful, unable to provide confirmation of anything ( other than confirmation of the case # ) and basically told me to file a claim with " FCRA ''. I do not feel that Barclays is cooperating in this matter in a timely nor professional, informative matter. I would like reassurance that the proper, agreed upon info is sent to the credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a bill from Barclay 's ( Aviator Mastercard ) around XXXX XXXX, XXXX. I had a late fee and interest charges totaling {$42.00}. I looked at my bank statement ( XXXX XXXX XXXX ) because I had sent the payment of {$300.00} on XX/XX/XXXX but it did not get debited from my account until XX/XX/XXXX. I thought it was matter of overlap with the payment and billing cycle so I held onto my bill to research later. On XX/XX/XXXX, I received notification that a purchase, which was already set up to pay with my Aviator card, was denied. I called Barclay 's ( Aviator ) to investigate. I spoke with XXXX and was informed my account was in arrears and they had no record of my XX/XX/XXXX payment of {$300.00}. I called XXXX while I had Barclay 's on the phone and the agent verified that the payment was debited from my checking account on XX/XX/XXXX and they had a copy of the check stamped by XXXX XXXX, who I assume is the payment processor. Barclay 's told me they would start a " missing payment inquiry '' but it could take 25 days and I could not use my card in the meantime. However, I am still accruing late charges and interest. I told them I was NOT going to make my XX/XX/XXXX payment until they find my previous payment. I called Barclay 's again on XX/XX/XXXX to check the status. I asked for a supervisor, was put on hold for 20+ minutes and then disconnected. I am concerned about this process taking so long, my missing {$300.00}, and the fact that they have no qualms about my account being put in arrears, which negatively affects my credit! They would not simply suspend or put my account on hold. My concern is that my payment is being held so late charges and interest can accrue. This seems to be an ongoing issue, as for the last 3 months, my payment has taken 7-10 days to post to my account. I have accrued late fees despite sending to payment in a timely fashion. I am concerned since I have a positive credit history with all of my accounts. I feel Barclay's/XXXX XXXX are intentionally not processing payments until after the due date in order to charge late fees and interest. It is also of interest that I was told on XX/XX/XXXX that the missing payment inquiry was started on XXXX XXXX. I know I did not call Barclay 's on that day, as it was a Saturday and was my birthday. I did not inquire about my payment until XX/XX/XXXX so why was an inquiry started nearly 2 weeks earlier? Could it be to make it LOOK like they were searching for my " missing '' payment? Also incidentally, if an inquiry takes 25 days and was started on XX/XX/XXXX, the end date of the inquiry is XX/XX/XXXX, my next payment due date. Interesting.
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: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was on vacation in XXXX XXXX, then some people from the company called XXXX XXXX or XXXX XXXX XXXX offered me a credit card with an interest of 0.0 % of the total approved. They explained to me that XXXX XXXX XXXX and Barclays credit card company work together to get customers who want to be members of the travel club. For this reason Barclays offered this card with 0.0 % interest of the total approved. XX/XX/2019, {$6800.00} I was speaking with the seller about this scam and informed the credit card Barclays about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a " Uber '' branded Barclays Credit Card. This card have a {$50.00} annual credit for subscription services such as XXXX XXXX, XXXX, XXXX. Their rewards center shows I reached my {$5000.00} threshold and on XX/XX/XXXX a {$12.00} XXXX charge was charged to my account. Their site says it may take up to 5 days for the credit to show up. As of XX/XX/XXXX the credit has still not shown up. I reported the issue on XX/XX/XXXX via their email portal, and followed up XX/XX/XXXX and XX/XX/XXXX via online chat but the issue has still not been resolved. They confirmed in the XX/XX/XXXX chat that I am owed the credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX I received a settlement letter to settle and payoff a credit account with Barclays if payment is received by XX/XX/2019 from their attorney. The amount was paid in full on XX/XX/2019 as stated in the letter. The letter stated that it would be fully compromised and settled. The letter I paid and settled and account with the attorney as agreed. I sent a request to the credit reporting agency to update the file and on 2 occasions they return at report stating that there was a remaining balance of {$540.00}. It was reported XX/XX/2019, XX/XX/2019 and again in XX/XX/2019. The legal document states that the account would be fully settled and compromised. Meaning there would not be a balance owed. Submitted the request to the credit reporting agency has resulted in no change and basically a repeated inaccurate report resent. Reports are supposed to be accurate and I have continued to receive an inaccurate credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A