Date Received: 2019-12-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Advertised an XXXX XXXX card on the XXXX app. Contained FAQs to the card 's benefits and rewards system. After using the card, found that rewards were NOT points that could be redeemed for cash back, statement credit, or gift cards. Rewards was ONLY available as credit on the uber and uber eats app. After contacting Barclays, I was told the rewards program was being suspended as of XX/XX/2020 and that I had *actually* applied for the XXXX XXXX card and that because of this all my rewards would be uber credits. I asked if they could do a one time statement credit in light of the misleading advertising and the fact that the rewards card FAQ was still the information being displayed in the XXXX app. They told me because the information was in the fine print of the terms and conditions, they would not grant my request. I now have about {$120.00} in " XXXX dollars '' that I didn't need, and the XXXX rewards points I was expecting to be able to redeem are non existent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On this website : https : //www.barclaycardus.com/applycontent/TnCs.jsp? tc34714 when I signed up for a Barclays card it says upon the first purchase you will receive XXXX bonus points. Exact wordage here : REWARD RULES Wyndham Rewards Visa with No Annual Fee Gold Level Reward Rules : " Bonus Points You must maintain an open Account that is not in default under your Cardmember Agreement with us. Your Account can not have been inactive for 7 billing cycles in a row ( representing approximately 7 months ). Inactive means you have no balance, no payments and no transactions. You must be an individual ( corporations, partnerships, and other entities may not participate ) and use the Card only for personal, family or household expenses. Wyndham Rewards Visa Card Cardholders will earn XXXX Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I did not receive my bonus points and I called to resolve and employee that goes by XXXX and ID XXXX refused to give me my bonus points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
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 requested replacement cards for two of my credit cards that i could not locate at the time. I never received the replacement cards. Instead, they were activated and used at XXXX stores and a XXXX store in XXXX on XX/XX/XXXX and XX/XX/XXXX ( {$2400.00} on one card and {$99000.00} one the second card ). I called it in as fraud but was denied the claim because the cards were allegedly activated from my phone number. I immediately filed a police report ( which to the best of my knowledge is still ongoing ). I spend tens of hours on the phone with the barclays fraud department insisting that i have never received the cards and that they were activated by whoever stole them from my mail box - but to no avail. I submitted proof to that effect in the way of telephone records from my provider proving that i never made the phone calls they claim i did ( the activation calls were made on XX/XX/XXXX according to barclays ). After submitting the phone records, the charges were temporarily removed. But now i see the charges were reinstated ( despite the phone records i submitted ). I see no other option than to turn to the CFPB for help with regard to this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
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: I have a XXXX Mastercard issued by Barclay Bank that was issued in XXXX in 2019. Someone evidently called Barclay and asked for a replacement card XX/XX/19 and it was sent to them at another address that is not mine. I never asked for or received the second card. The person then took the card to XXXX XXXX in California and tepid to da a can advance withdrawal which was denied and then they tried again evidently using the chip on the card a did a cash advance for {$4500.00}. which went thru on XX/XX/19. I notified Barclay after I received my statement that this was fraudulent. I put a stop on the card ending in XXXX and they sent me a new replacement card ending in XXXX which I received XX/XX/19. I was notified on XX/XX/19 that they were stopping the investigation because they thought I couldn't prove it was me. I asked them how could they send a request for a replacement card to a different address in a different state without verifying with me. I also asked how could a bank give a cash advance without proper identification. After must frustration they have reopened the investigation on XX/XX/19 but as of today XX/XX/19 they have not resolved my issue. I have filed a IC3 Complaint and I have filed a Police report with the XXXX, CO police department officer XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I opened this credit account last winter, almost one year ago. I had an emergency at my home and needed some type of credit to pay for needed construction work. I was given a small line of credit, I believe {$500.00}. At the time I had expected to be able to pay this debt off in under six months. I am not saying I did not agree to the terms. I did. That is not what this is about. Unfortunately, my husband got laid off only a month before. We thought he would have been back to work in no more than a month but it did not work out that way. it took longer than expected, just over two full months and of course we didn't start seeing paychecks until almost three months. We were hard pressed to even pay our mortgage which we had to make principal only payments on for a few months. We had to put oil in our tank, and pay all our essential bills, including several credit card payments, this being one of them. It took us well over six months to recover from the hardship especially since I was not working. I recently noticed, my monthly payments werent ' making a dent in this debt. I contacted the bank asking if something could be done, to lower the interest rate and maybe remove some of the interest etc. I was promptly denied. I had also approached another bank with another credit card and had very positive results. The bank worked with me and removed a few hundred dollars of interest and put me on a 0 % for the remainder of that balance. I was very pleasantly surprised. However, Barclay refused to do anything to assist us. Nothing. I have since gone on XXXX XXXX in early XXXX. To this day we are still struggling and feeling the effects of my husbands lay off last XXXX. I can not believe that I have to pay hundreds of dollars of interest on a {$500.00} charge. It is insane. I don't want to have to make an ugly decision, like having to default on this credit card but I can not continue with this debt. I need help. The interest rate on this card is very high and I feel the bank is taking advantage now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/19 I applied for a new Barclay account to charge an XXXX purchase and was approved - when I got the credit card on XX/XX/19 I activated the account and it said successful - However, when I tried to register online account to view activity it gave me security questions ( supposedly linked to credit profile that I monitor daily ). Those questions were, previous car owned? and previous colleges attended? None of the selections applied to me at all on either question. Therefore they locked my account. I called company on XX/XX/19 to help gain access after I tried to use it and it did not authorize my purchase. I was driving and company wanted me to email a bunch of private information which I am pretty sure is illegal to request this email and since I was not able to do it I told them I would call back when I could depending on information they wanted. I called back and talked to someone today XX/XX/19 and they asked for, Front and Back of drivers license, front and back of social security card, Paystub, and utility bill. I informed them that was way too much sensitive information which would give them full access to my credit profile and I did not feel comfortable about sending it and asked for other options since I feel this may now be fraudulent. They said there was nothing else they could do without that complete information. I then said please close my account immediately because I can not use it and refuse to incurr charges on an account I can not use. They said they also could not close this account without all that information - I feel this is illegal for two reasons : 1. I should be able to close any account I want - 2. they should not be allowed to take copies of all that information. I have asked them to reset questions and I will do online again and they also won't do that. I now believe that this call center may be involved in fraudulent activity. They also refuse to send me an email verifying they are requesting this information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2019-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/19 I spoke to XXXX ID # XXXX from Barclay Bank informing them the account opened was fraud. I was told not to worry the account is closed and their fraudulent department was notified. On XX/XX/19 I received a credit card in the mail # XXXX, I spoke to XXXX who apologized and sent me an email confirming the account was closed. Today XX/XX/19 I spoke to XXXX who could not explain why another credit card was issued # XXXX and once again stating this account is closed. I have no faith in Barclays Bank and asking for your help in this matter. Please do not hesitate to contact me. Your help in this matter is greatly appreciated. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2019-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
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 reported three of the transactions as fraud on XX/XX/2019 - XX/XX/2019 XXXX XXXX - {$200.00} XX/XX/2019 - XXXX XXXX XXXX - {$150.00} XX/XX/2019 - XXXX - {$260.00} In fact I was also told on XX/XX/2019 by barclays customer service to send a letter regarding XXXX XXXX and XXXX and state in the letter that these are fraudulent transactions, which I sent by first class mail. In the last month of XX/XX/XXXX and XX/XX/2019 I did a lots of transactions with this Barclays Card and gave a lot of business to this credit card and this is what I am getting in return. I called today at XXXX XXXX XXXX time at XXXX to know the status of my fraudulent claims, an American white guy picked up the phone - full of attitude, when I asked him about the status of the claim, this XXXX guy shouted on me and said it can take up to a month, I asked him if you have received my letters sent by first class mail, to which he asked me to place me on hold, and he placed me on hold forever which is continuously saying " Our relationship manager will be right with you ''. I made a huge mistake that i started using this card as I did not expect this third class service from this credit card. I will never use this credit card again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2019-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: back years ago, I believe in XX/XX/2013 there was a charge of over XXXX that I did not authorized. I kept paying card anyway because I did not want my credit to go down hill. I was paying over XXXX in interest alone and could no longer pay it. so I tried everything to try to get it fixed and I could not get it done. so I stopped paying it. I had no choice. I am still today, dealing with being turned down for low interest cards because of it. it is removed off of one of the bureaus but not on all of them. again I was turned down yesterday and it needs to be removed from all the bureaus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2019-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This Complaint relates to a BaALANCE TRANSFER promotion from Barclays Bank USA through my Miles & More Master Card with Barclays Card. On XX/XX/XXXX, I called XXXX and spoke to XXXX. I stated that I wish to avail the % promotional offer, details as attach A. Ms. XXXX validated my credit card account with Barclays and I then proceeded to give her the details of the Receiving Bank where the funds of {$7000.00} should be transferred to, the XXXX XXXX XXXX XXXX XXXX Elite Visa Card. On XX/XX/XXXX, Miles & More Mastercard was charged the Balance Transfer Amount of {$7000.00} plus the 3 % Transfer Fee of {$210.00}. On XX/XX/XXXX, I called Barclays and spoke to Ms. XXXX to query as to why the funds have not been credited to my XXXX Visa card. She stated that Balance Transfers take about 7 to 10 business days to be credited to the Receiving Bank. I retorted that I " was not advised of such delay '' when I spoke to Ms. XXXX on XX/XX/XXXX. I explained that the reason that I took advantage of the Bank Transfer was to obviate the " high interest ( 11.4 % ) of XXXX. A substantial delay in crediting my XXXX credit card puts me on " double jeopardy '' in terms of paying the 3 % transfer fee upfront by Barclays and at the same time paying a " compounded interest of 11.4 % '' with XXXX. It DEFEATS the whole purpose of " taking advantage of a lower interest. I spoke to a Supervisor named XXXX ( ID # XXXX ) and requested a copy of the DISCLOSURE indicating the " 7-10 window to transfer funds ''. He stated that he COULD NOT provide me one. I requested him several times and he insisted that he could not provide me a Disclosure. After my insistence, he said that he could READ me the Disclosure but NOT one in WRITING!. I rejected his proposal. Both Ms. XXXX & Mr. XXXX denied my request to CANCEL the transaction because of this delay. To this writing ( XX/XX/XXXX ), these funds have not shown as credit to my XXXX Visa card, Please see attach B. Your assistance in having this issue be investigated and clarified is much appreciated. FYI, I am a senior of XXXX years old on a fixed income who is responsible enough to meet my obligations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2019-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A