Date Received: 2019-12-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am in receipt of your letter dated XX/XX/2019. Although your letter is partially correct, there are some issues that have not been resolved. I will list below, again as I have written this numerous times. In XXXX, a representative put my account in bankruptcy, which was determined incorrect based on the telephone conversation recorded and your investigation. This change in my account resulted in my auto payment for XXXX to be removed and my account no longer accessible. You agreed to make my account current and report same with the credit bureau for XXXX, which you did. I was set up on the payment plan XX/XX/XXXX which I was told would remove any late notations, reduce interest rate and APR rate. This did happen and {$59.00} was made that same day. However, 2 days later it was reported late to the credit bureaus. On XX/XX/XXXX, Barclays took {$340.00} from my account instead of {$59.00} that I set up. I contacted Barclays customer service and collections numerous times and told it was in the process to be refunded. I never received the refund until I contacted my bank. It was not a courtesy refund from Barclays. I asked Barclays again to refund the difference and apply {$59.00} to my XXXX payment. To date, that did not happen and I made {$59.00} payment Friday. On XX/XX/XXXX, {$59.00} was taken from my account and cleared my bank. Now the problem and this is a serious problem. Barclays is reporting me to the credit bureaus 3 months past due for XXXX, XXXX and XXXX. This is grossly inaccurate. I sent documentation of the XXXX, XXXX and XXXX payments to Barclays. How hard is it to fix this with the credit bureaus? I have been dealing with this since XXXX because your employee took it upon herself to change my account status. If she had left well enough alone this would be a moot issue. Here is what is happening, the right hand is not talking to the left hand. All you have to do is report my account current with the Credit Bureaus for XXXX through XXXX for the payments I made. It's plain and simple. Four months is too long and my patience is gone. You clearly have received the payments and documentation has been forwarded to Barclays, yourself and Mr. XXXX. I received an email that someone would be contacting me within 24-48 hours to discuss my case. That was 4 days ago. No contact. Mr. XXXX also emailed me that someone would be contacting me. No contact has been made. You, Ms. XXXX stated in emails you tried to reach me but were unsuccessful. This is also incorrect. You have not answered any of my calls or emails until this XX/XX/XXXX letter. I have records and documentation of the dates, times and content of my contacts with Barclays, Mr. XXXX and yourself. This in one of many emails I have sent to MsXXXX XXXX in the Office of the President has done unanswered and resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I never signed up for Barclays Bank in Delaware credit card but its on my report, I dont have the credit card and I dont have any information about it, I called the company and told them my name and they asked me for my account number, I told them I dont have one and they said they can not help me, so I went on XXXX XXXX to dispute and they told XXXX that the credit report is correct and its staying on my report but when I called them they said I dont have an account so they lied to me and they didnt except the dispute!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: " NEW ISSUE '' Police report XXXX attached. FOLLOW THE LAW AND DELETE REPORTING. YOUR BREAKING THE LAW. MARKING THIS COMPLAINT AS A DUPLICATE WILL SHOW FURTHER SHOW BARCLAYS WILLFUL NONCOMPLIANCE. BOTH POLICE OFFICERS STATED TO KEEP SEEKING YOUR COOPERATION. Detective XXXX XXXX or Detective XXXX XXXX XXXX XXXX XXXX Police XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-01
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: 1. Purchase an online cruise through XXXX XXXX on XXXX XXXX 2. This charge represented the booking fee ( {$25.00} ) and trip insurance ( {$75.00} ) 3. The cruise was cancelled due to Hurricane Dorian ( XX/XX/2019 ) 4. XXXX XXXX refunded all fees and charges 5. A XXXX rep said the booking fee was not refundable but the insurance should be 6. After no refund, opened a dispute with Barclays 7. Barclays just closed the case so I reopened 8. Barclays then states that the refund policy was agreed at purchase but I was never informed. 9. How does XXXX retain fees when a ) the cruise was cancelled but b ) more importantly the insurance was not activated nor used as full refunds were provided by the carrier XXXX XXXX. This is fraud and a complete rip off of all consumers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The issue I am reporting is with the rewards program of the Barclays Arrival Plus World Elite Mastercard. Per the card 's terms and conditions, purchases earn " arrival miles '' which in theory should be usable for travel related purchases. The exact wording on the website is " Travel purchases eligible for redemptions are defined as airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, trains, buses, taxis, limousines, ferries and your account annual fee. '' However, over the course of ownership of this card there have been two instances where I have made purchase from qualifying institutions ( as detailed above ) and the bank refused to allow me to apply my award as advertised. The first was the purchase of a XXXX USD XXXX gift card, which the bank said did not qualify as it was a gift card. However the card was purchased from a transportation firm with no other possible redemption except for against future transport on the XXXX network. The second instance was a hotel stay for XXXX USD which was erroneously categorized as a restaurant, for which the bank representatives noted they had no ability to correct. As the stay was clearly labeled as a hotel, the XXXX XXXX XXXX, I do not see how the bank can continue to refuse to honor the terms of it's own reward program in what is clearly a demonstration of bad faith. I would ask only that the bank apply the correct amount of it's rewards system to my charges as advertised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-30
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 ORDERED 2 PRODUCTS ON LINE OFF A XXXX AD ... XXXX XXXX AND XXXX.. FOR {$6.00} AND {$680.00} ON XX/XX/2019 IT WAS A SIMPLE ONE TIME ORDER ... THIS ORDER WAS DELIVERED. THE NEXT MONTH I NOTICED A CHARGE FOR {$89.00} AND {$89.00} ON THIS SAME CARD..I DID NOT PLACE THIS ORDER. I CALLED AND WROTE MY CREDIT CARD CO AND THEY REVERSED THE CHARGES ... .THEN THEY SENT ME A LETTER SAYING THEY HAD REVERSED THEIR DECISION.. AND RECHARGED ME FOR THIS PRODUCT I DID NOT ORDER..I CALLED AGAIN AND THE CONSUMER SUPPORT PERSON TOLD ME I HAD TO CHANGE MY CC # TO STOP THESE UNWANTED DELIVERIES ... I DID.. THE NEXT MONTH I RECEIVED ANOTHER PRODUCT AT THE HIGH PRICES,,, I HAVE HAD THIS HAPPEN TO ME ONCE BEFORE ANT THE CC COMPANY QUICKLY AND EASILY REVERSED THESE CHARGES, BUT XXXX IS SIDING WITH THIS DECEPTIVE MARKETING MERCHANT.. THAT IS WHERE WE ARE NOW ... ORIGINAL CC # XXXX NEW CC # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2019-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
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: Not reporting correct amount -- -> Barclay I have disputed this matter with all three credit bureaus as well as credit card company, Barclay . I disputed a charge on my credit card after not receiving the product. And Barclay removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. Barclay did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX and XXXX and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from Barclays. The last response I received from Barclays was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2019-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2019, I paid the amounts due from credit card charges, inclusive of late fees, on my Barclays XXXX XXXX XXXX XXXX credit card. I made that payment immediately after getting off of the phone with Barclays to inquire about the above-reasonable magnitude of the late fees ( not the issue I am writing this complaint about ). On that call I directed the Barclays service associate to close my credit card account after I made that final payment, to which she verbally agreed to process that card closure request. On XX/XX/2019, I was notified by voice mail of an overdue amount on that same XXXX XXXX credit card - this should not have been possible had they closed the account as they were told to ( and assured me they would ). Per their website, on the account was the ( a ) annual fee on that credit card ( which again was supposed to have been canceled ), plus ( b ) a late fee, plus ( c ) an additional interest charge on all amounts. I am writing to you at the CFPB to seek your assistance in, first, having Barclays close the account as I had requested and they had agreed to and, second, to have removed from the account these wrongfully charged fees noted above. I would greatly appreciate any assistance you are able to provide on these matters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have an XXXX XXXX XXXX XXXX issued by Barclays bank. I recently received my XXXX billing statement and noticed the annual fee renewal notice. The notice mentioned that my account will renew next month and an annual fee ( {$99.00} ) will be billed next month. Barclays has changed card benefits twice in the past year, which impacts the value I receive. I've previously called to opt out of changes and request a copy of the card 's terms, but they never seem to be able to provide them. Due to this type of frustration, on XX/XX/19, I called customer service to mention that I did not get enough value to justify the annual fee. The fee notice specifically mentioned calling to " discuss alternative products that may be available or to close your account so that the fee will not be billed. '' The phone agent, XXXX, attempted multiple times to resell me on the card benefits and said he was unable to waive the annual fee. I had not asked about a fee waiver, but kept asking about the alternative products mentioned in the statement notification. The agent told me he couldn't offer my any alternative products and wouldn't waive the fee. He told me my only alternative was to close the account. I responded that I might close it, but that wasn't my first choice. I didn't like the agent 's tone or attitude, so I asked to be transferred to a supervisor. The agent resisted making the transfer, but I insisted on speaking with a supervisor. At that point, the call was disconnected. I can't say with certainty that the agent hung up on me, but it wouldn't surprise me. When I attempted to call back and speak to another agent, I found out that XXXX ( the prior agent ) had closed my account. While this may have become the ultimate outcome, the agent had clearly closed the account without my express permission. I was able to speak with another agent, XXXX, and she confirmed that the prior agent closed my account. Given the poor service, I'm fine with ending the relationship with Barclays, but it's clearly a violation to close a customer 's account without express permission. Closing an account has several implications and closing an account without permission can not be condoned or permitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Barclay has reported a negative erroneous account to my consumer credit report which is result in Identity Theft. I have no knowledge of this account. I've disputed this account countless time & their validating the debt as accurate. The account is now in collection & own by a different company recently after I disputed the account for verification. I called that company on XX/XX/2019 where it was sold too & was told that Barclay took the account back moments after. However they have yet to prove verification. Under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA they're required to promptly DELETE off all credit bureaus ( XXXX, XXXX & XXXX ). This action has hinder me negatively, not only myself but, my family as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2019-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A