Date Received: 2019-11-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: When I attempted to log-in to my account and use my card, I was not able to. I contacted the telephone number and was informed by the customer service agent that my card had been closed due to inactivity. She claimed that I was mailed a letter back in XXXX, 2019. I did not receive any such letter. Upon asking whether I could re-open my account, I was put on hold and the decision was made that I could not re-open my account. I asked what this decision was based on, as I have good credit and always paid on-time. Both the agent and then also the manager could only tell me that they could not re-open due to inactivity. Such a decision has impacted my credit score, as this is the oldest account I have had. When I believed I was using credit responsibly, I have been negatively affected by a lowered score - as one of the reasons listed under my credit score ( which is actually Good ) is that my oldest account is too new. With just a few more points, my credit would be " Excellent ''. Additionally, when I requested to know how they decide to re-open some accounts and not others ( how these decisions are made, and by whom ), I was not given an answer. Without a clear reason how and why these decisions are made ( which directly impact a person 's credit score ), discriminatory or biased practices often result. Furthermore, if a decision is going to potentially impact a consumer 's credit score, the credit card company should rely on more than one way to notify a person. Mail is not the most reliable method, they should also send email and notify joint account holders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98607
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My husband and myself ( XXXX and XXXX XXXX ) booked a XXXX XXXX XXXX ( " XXXX '' ) XXXX cruise for XX/XX/XXXX through XXXX XXXX XXXX on XX/XX/XXXX with my Barclay Credit Card. Our statement shows a cruise with XXXX Reservation for {$2400.00} had been purchased on XX/XX/XXXX. On XX/XX/XXXX, after being told that XXXX cancelled all the cruises booked by XXXX XXXX XXXX - owner XXXX XXXX - because of credit card fraud, we disputed the charges. After talking to XXXX and being told that what happened was fraud, we called and told Barclay that the dispute should be changed to fraud. I also reported the incident with the FBI, as instructed by XXXX. We were told by Barclay that because I gave XXXX XXXX XXXX permission to use my card it would only be a dispute. I disagreed. They would not change it to fraud. I did not authorize her to make any other purchase but the XX/XX/XXXX cruise with XXXX for me and my husband, as the signed contract stated. On XX/XX/XXXX, I spoke to Barclay 's for an update and was asked to supply further information such as a contract or anything else that I had regarding this situation. I provided to Barclay dispute department the contract, the credit card statement, the email from XXXX stating there was fraudulent charges, the invoice showing that my reservation number, etc. I explained to Barclay that XXXX XXXX took my credit card and booked a Hawaiian trip for her family in XX/XX/XXXX and that XXXX would not refund because it was a past cruise, but that XXXX stated it was fraud and for me to contact both my credit card company and the FBI regarding the fraudulent charges. I was told they were still reviewing the information and would have a decision shortly. On XX/XX/XXXX, I received a letter from Barclay stating that they had recharged our card for the {$2400.00} because XXXX said services were rendered. In that letter there was an attachment from an XX/XX/XXXX cruise for XXXX and XXXX XXXX - owners of XXXX XXXX XXXX using several credit cards, including my unauthorized card for {$2400.00}. On XX/XX/XXXX, I called Barclay and explained what happened to me was fraudulent. I signed a contract for a specific product, and I did not receive the product. She was not given permission to use my card for any other cruise then the one I signed the contract for - the XX/XX/XXXX XXXX cruise for me and my husband. She used the credit card for her family to go to Hawaii. It shouldn't be viewed as anything more than fraud. I should not have to pay for this product that I never received. Credit card fraud is when someone uses your credit card or credit account to make a purchase you didn't authorize. I did not authorize Ms. XXXX to purchase a XXXX cruise for XX/XX/XXXX. I was basically told that I could dispute this again, but the outcome would be the same. I was told it wasnt fraud. I am not the only person who was scammed by XXXX and XXXX XXXX. Some credit card companies took those charges off for the consumer because the viewed it as fraud. My sister is one of those parties who had the charge wiped off her card and does not have to pay for a cruise for someone else. I want this viewed as fraud and I do not want to have to pay for a charge that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
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: Barclay 's has incorrectly reported to the credit agencies and refused to change it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Had a collection/Charge off with Barclays bank. I called in on XX/XX/2019 and paid/settled the account for {$1300.00}, reference number : XXXX. I was told that I would receive a final settlement letter showing that the balance had been paid, and that my credit report would be updated within 3 months reflecting a {$0.00} balance. I never received a settlement letter, and my credit report is not updated. I called the company on XX/XX/2019 and they stated that there system shows a letter was never sent out. They also stated that i am not the only one that this has happened to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XXXX XXXX has their flight attendants aggressively market credit cards through in-flight PA announcements. These ads often seem misleading ( " fly ANYWHERE using these miles '' ) and some statements seem like lies : 1 ) a flight attendant, in XXXX, telling us " I heard that the XXXX bonus miles offer is going away at the end of this month. '' The offer is still here in XX/XX/XXXX XXXX a flight attendant this week said, " If you're connecting in XXXX, you'll want to apply now because this offer isn't available on every flight. '' But it is. As a frequently flyer, I hate being a captive audience to their intrusive, loud, and often misleading ads.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76034
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Applied for a XXXX credit card. I wanted the standard card but was given the plus card instead so I never activated the card as I had no intention of using it as it has a high annual fee. Now I am being charged late fees and the annual fee on statements sent to me for a card I have never activated or used. I have contacted the company via the website and submitted a complaint and they said a manager would reach out to me but no one has. I want the account closed and the fees + " late payment '' fees to be reimbursed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I bought a computer under deferred interest, that will expire on XXXX XXXX, XXXX. On XXXX. XXXX, XXXX, I called customer service to pay off that computer under deferred interest before the due date as I don't want to end up paying for the interest charge. When I talked to the service representative, I specifically said that I want to pay off my balance for the computer, he said okay, he took my payment information, and after it was processed, he said he got it taken care of. At the end of our conversation, I asked, " so I don't owe anything for my computer right? '' He said, yes you don't owe anything on your computer anymore. Today, ( XX/XX/XXXX ) I found out that I got charged an interest for that computer that all along I thought I paid off in XXXX. XXXX. When I talked to the service representative, she explained to me that the money I paid that time was allocated to the other purchases I had which accruing interest, and not for my computer! As she explained to me, I learned that I can not use my card after using it for buying a product on deferred interest. My point is, I know that I should've read the policy about deferred interest, but that customer service rep that I called to pay off my balance for the computer NEVER TOLD ME THAT THEY ARE GOING TO ALLOCATE MY PAYMENT FOR THE OTHER PURCHASES I HAD, AND NOT FOR THE COMPUTER! So, all along I was thinking that I paid off my computer and I don't have to worry about it, until today when I saw that interest charge on my account. They should train their employees to explain clearly to the consumer what is going on so we avoid such things that is so frustrating!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
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 had a XXXX procedure done at the XXXX XXXX for {$850.00} back int he XXXX of 2019. I was not happy with my XXXX and submitted supporting documents to Barclays/XXXX and they sent me letter that I won the dispute and credited my account the {$850.00}. A few weeks later, they illegally overturned the dispute. I contacted the office of the President and she promised to return my call, which she did not and I have attempted to call her to no avail. This is now affecting my credit score/report. This is now in litigation for the excessive damage done to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Barclay is reporting erroneously and in violation. They are reporting a debt that is owed but it was previously discharged in a Chapter XXXX bankruptcy. I have notified my attorney that they are in violation of the automatic stay. The next correspondence will be from my attorney.
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: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A