Date Received: 2019-12-13
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Barclaycard refuse to lower my interest rat, causing me extreme hardship. I have requested printed statements and they refuse to send me a printed statement. I usually require assistance to go online, whereas a paper statement I can read. BARCLAY BANK DELAWARE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10023
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Barclays credit card company. Debt was paid in full but company will not update credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: A Wyndham representative approached us to purchase week long vacations, a deal not to be passed up. So we did so for our XXXX children. We were asked to return and sit in on a presentation so the representative selling us the vacations would receive credit and pick up the certifications for the week long vacations. The sales brochure and the certificates are attached. 2. The sales of the week long vacations packages were very deceptive. It was sold as use anywhere anytime. Reality is you can not use them at anytime only in off peak periods and only at low coat low usage property as stated in the attached e-mail, These packages were issued only as we were walking out the door after the 5-hour high pressure presentation. We were not given time to read and review them prior to purchase. In the event this certificate package would have been properly presented for what it actually is no purchases would have transpired. 3. Sales person XXXX XXXX, XXXX XXXX and XXXX XXXX kept us for 5 hours with offers of splendid vacations, they kept bringing more sales staff and they kept adding to the pressure. Each staffer that appeared had an add on to make the deal better. We told the NO several times and they just kept bringing more people Sweetening the deal each time. 4. XXXX and XXXX said you could use points to take cruises ; redeem points for Airline Tickets and XXXX Tickets. This was a false claim, as we do not have enough points for this. We each ( XXXX and XXXX ) own Wyndham Vacations and travel the globe on exotic vacations. What they did not disclose is we do not have enough annual points to do any of this. 5. ( Rental Fee for Points ) this was disclosed to us as you could bring points forward for the next year without any extra cost. This is another false claim, as the extra points are expensive and must be purchased. We have checked into these properties and over 90 % of them we can not use due to too expensive, not prime vacation areas ( as stated ) or off peak season when our children and grandchildren can not go due to work and school. 6. There many documents singed without our knowledge by XXXX XXXX using the Docu-Sign application. Due to they had kept us there for 4-hours he forged our names onto this Docu-Sign and went through about 50 pages of documents electronically signing them without our knowledge or an explanation that would have given us more time to reject this contract. We have highlighted them throughout the contract. We were kept in this environment 4-1/2 hours longer than the consumer protection agency allows under high pressure the entire time. 7. A Barclays Wyndham Credit Card was issued to us and explained IF we use it, we could accumulate points and use them toward a maintenance fee. The maintenance fee was not disclosed to us until after we asked about it several times. The fee quoted us at the time is far less than the actual fee. Wyndham added a 10 % down payment onto the card instantly in which we have never received points but have received several invoices for the full amount of the maintenance fee. Then charges started showing up on the CC at 17.9 % interest. We confronted the Barclays CC Company and they removed the unauthorized charges. Now Wyndham is sending these charges through collection agencies now in an attempt to intimidate us by destroying our credit rating. 8. Wyndham did not disclose a 10day grace period to decline this purchase. When we approached Wyndham it was told to us You should have read the fine print and would you like to purchase a higher point package. We have never seen a disclosure statement. We did not receive a disclosure statement. 9. We reached out to Wyndham. Wyndham claims they internally investigated the incident. However over the course of 4 months their investigators XXXX XXXX and XXXX XXXX talked to us on the phone 2 times in mid XXXX and early XX/XX/2019. We did not communicate with them again for 2-months as we tried to follow up with the investigation. After 2-months XXXX wanted to conduct an initial interview as if we had never spoke on XX/XX/XXXX. We found this very unusual. All communications are attached. 1. Wyndham will not discuss this issue in writing. We have repeatedly asked them to write us any and all concerns and they refuse. We did receive e-mail from XXXX XXXX wanting to offer us something, she would not say what it was on e-mail and only could say it on the phone as per Wyndham policy. 2. We finally received a non-cancelation letter from Wyndhams XXXX XXXX on XX/XX/XXXX. This letter is attached and mainly reads like a standard issue letter. 3. We reached out to the Attorney Generals Office in XXXX and XXXX seeking help with this issue with no results. Wyndham had someone within their Consumer affairs deny all of our issues and concerns. 4. We have received many harassing phone calls from Wyndham Collections, Barclays, ( XXXX XXXX XXXX ) ( collection agencies used by Wyndham & Barclays to intimidate us ) mainly these people have been rude when we will not speak on a recorded line and ask them to send e-mails. We only seek for Wyndham to honor the 10-day cancelation period and cancel this contract, as per XXXX state law. We feel we were lied to, taken advantage of, misled by high-pressure sales staff and fraudulently coerced into accepting something we did not want and had said NO to, many, many times in the 5-hour long sales marathon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A fraudulent account was opened online, in my name, with Barclays Bank Delaware on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to Barclays Bank Delaware fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for a separate, fraudulent account. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with Barclays Bank Delaware in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!Barclays Bank Delaware also never contacted me to verify my identity before the account was fraudulently opened in my name!Barclays Bank Delaware has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays US MaterCard # XXXX On XX/XX/2019, 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/2019, however, after only a few days past the occurred fraud, I got a call from an agent in the Barclays fraud department, essentially stating that they have determined these charges were not fraudulent, and the credit issued is going to be reversed. Again, how that agent was able to determine that within only a few business days of the transactions is beyond me ... Surprisingly, I was not even asked to provide more information on the disputed transactions. To solidify my case, I have also filed a police report # XXXX, Officer XXXX, Badge # XXXX. The unauthorized charges on the MasterCard that XXXX is refusing to reimburse me for are as follows : XXXX XXXX 02 for {$1500.00} XXXX XXXX XXXX for {$5700.00} I, hereby, request that Barclays US stand by its zero percent fraud protection guarantee, and make me whole on these transactions. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was recently sued for a debt by a law firm (XXXX XXXX XXXX XXXX) who represents my original creditor Barclay Bank. On two separate occasions, I believe that representatives of this firm committed an FDCPA violation (False or Misleading Representations). The first occurrence happened on XX/XX/XXXX at XXXX XXXX. I did not get the name of the male that I spoke with that day. Prior to XX/XX/2019, I had spoke to a representative of this law firm regarding settling the debt, I was told that I could do sign a consent judgment. I was not fully aware of what a consent judgement was nor what all it entailed. However, I wanted to resolve this legal matter opposed to going through the court process. The consent judgement paper work finally arrived in the mail. I read over it and realized that I did not agree to the terms because I did not want a judgement on my credit. So on XX/XX/2019, I called the law firm to speak to someone about the consent judgement paperwork. I expressed to the representative that I was not in agreement with the terms and asked about settling the debt for less than the total balance. The representative stated that it didn't matter if I signed the consent judgement or not, I was still legally bound by it. The representative was abrasive and was not interested in trying to explain things to me. I didn't try going back and forth with him, I just ended the call. The second occurrence happened when my wife spoke to representative XXXX XXXX on XX/XX/2019 at XXXX XXXX. My wife expressed to him that she wanted to settle the account for $XXXX payable XX/XX/2019. The representative stated that Barclay Bank does not accept submitted settlement offers. He further stated that Barclay Bank was their one client who didn't accept settlement offers because they already have a set set percentage with the firm. XXXX stated the $XXXX would be the amount that he could settle the account for. My wife expressed to him that the goal would be to do a lump sum payment to settle the account opposed to making monthly payments. However, in good faith, she made a $XXXX down payment and agreed to $XXXX a month payments until the remaining $XXXX was paid off. This amount and arrangement was only agreed to because XXXX stated to her that Barclay Bank didn't accept submitted settlement offers.On XX/XX/2019 at XXXX XXXX, my wife called in to verify that the consent judgement that they were sending out would not by put on the credit report as a judgement. XXXX had told her on a previous call that it wouldn't be but she and I both wanted to be sure. In the midst of the call with the representative, they discussed the settlement offer. My wife asked again about possibly just paying another $XXXX out of pocket as a lump sum to just settle the account in full. The representative informed her that because a settlement amount was agreed to, he couldn't submit another offer to the client for me. My wife told him about the conversation she had with XXXX and she told the representative that she was misled by XXXX. She stated if she would have been given correct information, she would have pursued having a settlement amount submitted directly to the client Barclay Bank opposed to taking the $XXXX settlement that the representative XXXX offered over the phone. The representative did nothing to try and rectify the situation. Instead, he kept telling her to be sure to have me sign the consent judgement when it comes. I'm sure that this firm works on commission therefore I am convinced that she was purposely misled in an effort to get a larger commission. I also do not understand how I am legally bound by any agreement without my signature. According to the representative, the documents hadn't been prepared yet but were being prepared. I don't understand why no one is willing to rectify the error made by a representative of this law firm. This firm is responsible for its' employees. The proof of these calls and the "material" of the calls should be available because the firm records all calls. Please review the recordings for violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 1. I was charged {$1000.00} to XXXX XXXX which I did not authorize! to my Barclaycard. I did report it. Which brings me to the facts of some suspicious operations with Barclays. On the day I tried to call in customer service to deny authorization of that charge, there was no customer service up and running. I believe their computer system was down. I don't know really why and no attempt was made to notify customers before, during or after this incident which I find very suspicious. I did close that account. 2. I had noticed for the duration I had this card that IT TOOK 4 TO 5 DAYS TO POST CHARGES AND THEN IF I MADE A PAYMENT IT TOOK 4 TO 5 DAYS TO CREDIT THE ACCOUNT WITH MY PAYMENT WHICH WAS DONE ONLINE RIGHT FROM MY BANK ACCOUNT and therefore this is my complaint : 1. Fraud 2. poor banking accounting done in a timely manner and customer service done by remote agents all over the world which should be banned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Got card XXXX no interest for 2years XXXX XXXX tack on interest at XXXX limit XXXX nowXXXX. To date I’ve payedXXXX a month balance now XXXX there charging me 63percent what is going on
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28734
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-09
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 Account ... XXXX {$2000.00} PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday, XX/XX/2019 POST DATE Tuesday, XX/XX/2019 This charge was for two happy hour drinks XXXX colones which is about XXXX $ US. Barclays wont reverse it. I went back to the merchant while i was in XXXX XXXX and he admitted it should have went in as local currency, they would have video of my transaction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received a notification from XXXX XXXX that there was a hard inquiry on my credit report. I later received a notice from Barclays regarding my application to a Visa card that I did not apply for requesting a copy of the front & back of my Drivers license, Social Security card and a current utility bill or bank statement. Obviously I did not send them anything as this appears to be a fraudulent application on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A