Date Received: 2019-12-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I contacted the company on XX/XX/2019 about an issue with my credit card. I asked for them to explain the issue. I received a response the same day letting me know someone would be calling me. On XX/XX/2019 I informed the company that I wanted the issue responded to via writing and not a phone call so there was record of it. At that time I told them if they did not want to record the phone call and provide me with a copy of it, write me a letter in the mail, or send me an email that I would not be taking a call from them. This is for my protection of my account and my credit to prevent the company from providing false information and not being held accountable. I received the same EXACT on XX/XX/2019 saying that someone would be calling me. I informed the company I would be filing complaints to have the issued handled that way and ensure there is a written response.The issue is that the promotions offered by this card are for double points on XXXX XXXX orders from an XXXX team. The two teams that I have purchased tickets from (XXXX XXXX and XXXX XXXX) redirect customers from their site to XXXX to purchase tickets. Barclays is not recognizing these transactions as promotion transactions. I believe that all teams likely use this redirection to XXXX to purchase tickets. That would mean that no ticket purchases would qualify for the promotion that Barclays is advertising and it would make this promotion misleading to customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, I am reporting Barclaycard services. I have a credit card with them for over 5+years. The account is closed and have been making my monthly payments. My online account was locked and it is requesting my account number to reset password. I do not have my account number, and the card is destroyed as the account is closed. I called Barclay services today XX/XX/19 at XXXX to get my account number to reset password. They are telling me they are not able to give me my account number because it is on the card, and they can't issue me a new card as the account is closed so my only option is to contact them via phone and pay over phone with a fee until the card is closed. This is credit card fraud, and I will not be paying over the phone this bill and this debt will not be paid and will forgo legal charges against them for debt fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for an UBER Visa Card from Barklays about 2 years ago. I opened the card solely due to the attractive cash back the card offered. Recently I was notified by Barklays that the rewards would be changing, and would only be redeemable via UBER Cash. I believe this is a bait-and-switch. I would never had opened up a credit card if i knew the rewards were only good for UBER Cash. Now I am stuck with this card, and I am afraid to close it due to negative impacts on my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I was having a cell phone dropped on XX/XX/XXXX, and the screen is shattered, I want to use my uber visa signature card cell phone protection insurance to pay for the repair of {$300.00}. Upon calling the card customer service I was provide the guide to benefit and phone number to call benefit admin with XXXX, they filed a claim on my behalf and the claim number is XXXX, I submitted my proof to eligible documents which are : phone bill and statements that I paid for these phone bill using my uber credit card for the past whole year. After 3 weeks I getting a denied says : " According to our records, you claim was denied since the benefit did not go into effect untilXX/XX/XXXX of 2019. '' This cell phone protection benefit was there before and not start from XX/XX/XXXX according to my benefit guide, after that I called multiple times both with Barclay and this insurance company, they kick the ball to each other : Barclay says any claim decision is belong to the insurance company and insurance company says this date is provided by Barclay. Oh their website of benefit change ( https : //www.barclaycardus.com/apply/action/handleFile? id=ub4ProductChangeFAQ ) the specifically says that : " If you have already set up your total monthly wireless bill to be charged to your Uber Credit Card, you may continue using your cell phone protection benefit without interruption. " This clearly not the case, my eligible claim was interrupted and been denied on both sides to help me forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Date ( s ) : XX/XX/XXXX and XX/XX/XXXX I recently had my Barclays Savings account closed on XX/XX/XXXX without my prior notification which led to a an interest charge of {$120.00} to my XXXX XXXX credit card linked for auto-withdrawal. I notified Barclays of this issue and they have been unresponsive on why my account was closed on XX/XX/XXXX. I understand they have the right to close my account at any time per the terms and conditions but their timing led to an interest charge that would have not occurred if done earlier in the month or simply two days later. I spoke with Barclays representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she became very testy and angry with me when I requested to speak with a manager. I believe there is negligence on Barclays behalf on closing an account when there is a payment already in process that could incur financial detriment to their consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06405
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-16
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, I faxed a detailed letter ( attached ) to my BarclayCard mastercard 's billing dispute department to file a claim about a {$3000.00} charge that was made to my account as a deposit for services that the merchant never ended up providing. I received a letter from BarclayCard confirming that they received my dispute, would investigate the problem, and resolve it within 45 days. The case number they assigned to my dispute is case # XXXX. On XX/XX/XXXX, I received a voicemail message from BarclayCard asking me to call them regarding my dispute. I called them on XX/XX/XXXX and was told that they couldn't process my dispute because they needed more information. They couldn't tell me on the phone what they needed ; instead I was told they would mail me a letter. I asked them to email me the information, but they refused. I asked to speak with someone else, and the operator refused to transfer me to anybody else. I finally received a letter from BarclayCard last week ( attached ), but it is simply a duplicate of the initial letter that I received from them acknowledging that I filed a dispute and they would investigate and resolve it within 45 days. I called Barclaycard again today, XX/XX/XXXX, to inquire about the status of my dispute. I reminded them that the 45 days had elapsed, I still haven't heard anything from them, and my account has not been credited. I was told by the operator that they closed my dispute because I failed to provide the information that they requested. I told them that they NEVER sent me anything requesting any additional information. The operator insisted that they did and I failed to respond. I asked to speak with the person who was actually investigating my claim and was refused. I asked for them to have the personal actually handling my claim to call me and I still have not received a phone call. The merchant in this case TOLD us to file a dispute with the credit card company. All they have to do is contact the merchant and HE WILL VERIFY that he did not perform the work. The charge was made on my son 's card, who is an authorized user on my credit card account. My son is a XXXX XXXX -- he certainly is not going to file a fraudulent claim. Again, this would be EASILY resolved if BarclayCard would simply CONTACT THE MERCHANT!!!! Instead, they are refusing to reimburse my money by lying and saying that I failed to submit information that they NEVER requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 585XX
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have one Barclays Miles and More card and am eligible to earn Miles and more reward points on this card. To keep my rewards from expiring I need to use my card regularly - earn points for using the card and keep my reward points active. Inspite of me having a transaction done on XXXX XXXX that earned me XXXX points, my XXXX points expired. I tried connecting with the bank and miles and more customer service in XXXX when my points expired and was promised that the points were be reverted. However till date ( after multiple follow-up ) the bank has not credited the points back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2019-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: At the beginning of XX/XX/2019, while vacationing at the XXXX XXXX in XXXX, Florida, I was sold a conversion of my time share unit with the particular resort. As part of the sale, I was offered a Barclay 's XXXX XXXX XXXX that was represented by XXXX XXXX personnel that sold/signed me up for the promotional account that it was to be the first six months interest free. Upon my return home, in XX/XX/2019 ( within the first six months of receiving the card and opening the account ), I used the card for a purchase in the amount of approximately {$1300.00}. I was intending to pay off the balance in monthly installments of {$300.00} per month in order to take advantage of the first six months interest free promotion. I was shocked upon receipt of my first statement to discover that I was being charged interest on the balance in clear violation and disregard of the representations made to me by XXXX XXXX personnel. I called XXXXXXXX XXXX twice in XX/XX/2019 in an attempt to obtain a copy of the agreement and application I had signed but did not receive any documentation. After the second call, the number that I had was no longer being answered ( straight to voicemail ). I then reached out to Barclay 's on XX/XX/2019, where I told that if I paid the balance in full before the next statement there would be no interest. Obviously, I countered, that if I paid the balance there could be no interest since the amount would have been paid in full and thus there would be no need for a first six months interest free promotion. After I explained the ridiculousness of their position, their representative then changed the position and said that only XXXX XXXX purchases were interest free for the first six months. Again, I countered with the fact that this limitation was never stated and was a violation of the general nature of interest free purchases. Nevertheless, after having got nowhere, I called XXXX again on XX/XX/2019. On XX/XX/2019, I spoke with XXXX XXXX from XXXX XXXX who implicitly agreed that the particular card was marketed as the first six months interest free. That was the last conversation with XXXX XXXX personnel on this matter despite trading phone calls and receiving a letter seemingly dismissing my concerns. I believe that I have been subject to a blatant misrepresentation and fraudulent marketing scheme perpetrated by Barclay 's bank, through their agent XXXX XXXX and that both are equally responsible for the fraudulent misrepresentation of a promotional six months interest free period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2019-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX OF ATTORNEY GENERALS OFFICE, BUREAU OF CONSUMER PROTECTION HAS THE DETAILS ON THIS CASE # XXXX. SHE SAID SHE TRIED CONTACTING US & SENDING LETTERS TO US BUT WE NEVER RECIEVED ANYTHING.SOMEBODY IS FULL OF IT, THIS HAS BEEN GONE ON WITH NO NOTICE FOR OVER TWO YRS NOW HER SUPERVISOR TELLS HER ABOUT NOT NOTIFYING US AND SHE SAYS SHE TRIED BUT TO NO AVAIL, SHE SAID BARCLAYS SAYS THEIR WAS NO FRAUD BUT I SAY THERE WAS CAUSE THE CHARGES THAT WERE MADE HAD NO AUTHORIZATION FOR OR EVER DID. THEY WERE FROM MAGAZINE COMPANIES AND INSURANCE COMPANYS AND SHOULDNT HAVE BEEN ALLOWED PLUS BARCLAYS NEVER CHECKED WITH US ABOUT THE CHARGES TO SEE IF VALID OR ANYTHING AND JUST LET IT HAPPEN. MY MOTHER IS XXXX YRS YOUNG AND THEY TOOK ADVANTAGE OF HER. SHE NEVER KNEW WHAT WAS HAPPENING UNTIL I ( HER SON ) SEEN THE EXTRA CHARGES ON HER CARD THAT KEPT GROWING FOR NO EXTRA AUTHORIZED CHARGES TOTAL {$900.00} THIS AMMOUNT WAS UNAUTHORIZED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 168XX
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In early XX/XX/2019 on a Frontier Airline flight to Colorado the flight attendant made a very compelling sales pitch for the Frontier Airlines Master Card credit card ( through Barclaycard ). She said it was unique because unlike other cards we wouldn't have to wait several billing cycles to get the XXXX promotional mileage points. As soon as we paid the annual fee of {$79.00} and made a single purchase in any amount, the points would be deposited into our Frontier mileage account. We took her up on the offer, got two forms and both my husband and I applied with the short one page application on the flight and handed in the applications. We were both approved a few weeks later and received our cards. We were billed the {$79.00} on XX/XX/XXXX, I made my first purchase on XX/XX/XXXX, and my husband on XX/XX/XXXX. We both paid our credit card bills in full on XX/XX/XXXX. We waited for points to be deposited and when they didn't appear I called Barclays account service department. They told us that their policy was that the bonus points would be deposited 4 to 6 weeks from the date we paid the first statement bill if we had also paid the annual fee. They said this information was in the fine print of the documentation they sent out with the cards. I told the account supervisor that we applied for the cards on the basis of the information we were given on the flight by the attendant, and in the form she gave us and we signed. It said nothing about 4-6 weeks from the date of first payment. This is false and misleading marketing. We applied for both cards in order to save hundreds if not thousands of dollars on holiday airfare. By waiting in vain for the points to appear we put off purchasing airline tickets, and the cost of the travel we need to book has now gone up substantially. This is nothing more than a marketing scam. I told the supervisor at Barclays that we wanted them to honor the deal offered by the Frontier representative and to deposit the miles into our account immediately. They said they had a process that wasn't aligned with what the frontier representative told us, and that there was nothing they could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A