Date Received: 2019-11-15
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: In XXXX of 2019 my wife 's car was broken into and her purse was stolen. We immediately alerted all credit card companies of the situation and she was sent new credit cards. A homeless couple was found in possession of some of my wife 's stuff and was prosecuted. I can provide you with information on this case if needed. Unfortunately - on XX/XX/2019 someone started using my Barclay 's Visa card ( which my wife and I share jointly ) and racked up {$3600.00} in charges from XX/XX/2019 to XX/XX/2019. Charges vary from Bus passes, food purchases, to items purchased at XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, etc ... On XX/XX/2019 they even purchased a {$30.00} calling card from XXXX XXXX so an inmate could make calls from prison. Why would I buy an inmate a calling card? My wife and I rarely use this Barclay 's Visa card as it is only used for emergencies. We did not make these charges and alerted Barclay 's Visa as soon as we learned that these charges had been made. We filed Police reports with both the XXXX Police department and the XXXX County Sheriffs Offices as these fraudulent charges were made in both Oregon and Washington State. Barclay 's Visa originally credited our account when we first reported this fraud to them but later ( XX/XX/2019 ) put them all back on our account saying that because I still had both credit cards in my possession that I was responsible. ( These charges were made under my original Barclay 's Visa Card and also the new Barclay 's Visa card that was issued to me when my wife 's purse was stolen ). We have called Barclay 's Visa numerous times to dispute these charges but they refuse to help with this matter. They know this is fraud and refuse to help. They even refused to give me the times when these purchases were made so that the police can look at video to see who is actually making these purchases. I need help with this as Barclay 's Visa is refusing to assist in anyway. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97211
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
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: In mid-XXXX 2019 I called Barclaycard to request a replacement card because the chip was malfunctioning. On XX/XX/ 2019, I still had not received my new card, I received two e-mails from Barclaycard. The first stated that my new card had been activated and the second stated that my PIN number had been changed. As soon as I read these e-mails I logged onto my account and I saw a charge for {$900.00} that I did not make listed under temporary authorizations. I immediately contacted Barclaycard and informed them that I never received the credit card and therefore did not activate it or change the PIN number. They verified the last known purchase I had made, which was for XXXX XXXX the day before. They asked me if I made a purchase at a XXXX gas station and I replied no. They stated that they would remove the charges, open a fraud investigation on the charges, and issue a new card. This time the card would be mailed via XXXX with tracking. On XX/XX/ 2019 I received a voice message from the fraud department at Barclaycard stating they had some additional questions regarding my claim. I called back and received a message stating the department was closed on Sundays. I left a message and asked for a call back. On XX/XX/ 2019 I called Barclaycard again because they had not returned my phone call. I was told by the agent that I will be receiving a letter dated XX/XX//2019 indicating my claim was denied. I was told that my claim was denied because their system showed that the credit card was activated from my phone number on file and that the charges would be placed back on my account. I informed the agent that this was impossible because the phone number associated with my account is my cell phone and I had my phone in my possession the entire day, spending my afternoon/evening at my daughters dance recital. The agent informed me that the charge for {$900.00} was a cash withdrawal from a XXXX XXXX XXXX that was located 7 miles from my home. She suggested that I file a police report to see if surveillance footage could be optioned to aid me in my investigation. I asked her how could I appeal their decision and if I was able to obtain such footage, how could I send that to them so they would take the charges off of my account. The agent informed me that I would have to find resolution for these charges outside of the credit card company and no appeals could be made. I asked her how I was supposed to find resolution and get my money back and she suggested maybe I would recognize the person who used the card and then I could file a civil law suit but that there was nothing else the credit card company would do for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94545
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have successfully paid thousands of dollars to my Barclays JetBlue card balance without any issues. I recently opened a new checking account and added this as a payment method because I have a new job that deposits into this account. However, I accidentally chose this method of payment instead of my original checking account, and the account was debited and I was hit with insufficient funds and a {$28.00} returned payment fee. Again, this was the first time this ever happened and it was an accident. Now, I have made 3 payments of {$250.00}, {$250.00}, and {$500.00} in XXXX. Each one applies but then has a payment hold for more than a week. For instance, I made two payments on XX/XX/XXXX and was told, just now on the phone by Barclays, that they would not be available on my account balance until XX/XX/XXXX. So, this is a huge problem for me. The only way to get Barclays to release funds earlier is having a three way phone call with my bank to confirm that the transaction successfully debited my account. I have now had to do this twice and each time it takes me 30+ minutes and I am required to ask for a supervisor. So, I am either required to wait 8-12 days for my funds OR I am required to place a 30 minute phone call every time I make a payment if I want it to be applied. I asked Barclays, politely, to stop this practice. Furthermore I confirmed with them that I have only ever had an issue with a payment once and they confirmed. Again, it was an accident. I was hit with a fee from my bank and from Barclays, and now I feel like I am being discriminated against, financially, with holds placed on my payments because of this one accident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Brclysbankde XXXX, DE XXXX Per my credit report, this organization has ran my credit 7 times in the last 8 months. I've never heard of Barclays and have not provided them my personal information to allow them to run my credit. This are fraudulent inquiries and must be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On my XX/XX/XXXX credit card payment statement a total of {$320.00} was added to my account. When I called to inquire I was told the purchase of an XXXX XXXX XXXX XXXX that I purchased at XXXX XXXX XX/XX/XXXX and applied on the same day for Barclays Credit Card was suppose to be paid in full by XX/XX/XXXX without interest. What I was not told was that the interest was deferred. I was told by the sales person at the store that interest would be applied after 18 month on the balance. Since my daughter was getting ready for XXXX XXXX XXXX on XX/XX/XXXX I just made the minumum payment not realizing that Barclays was going the charge me {$320.00}. I tried calling them and asking for an extension I even offered to show proof that my daughter was hospilized in XX/XX/XXXX. They said that if I would have asked for the extension prior to XX/XX/XXXX it would have been granted. I even paid {$300.00} on XX/XX/XXXX hoping that they would remove this interest off my credit card. I went from owing {$740.00} to {$1000.00}. It's like I never made a payment to the phone. I even asked if they can reduce the amount by half and they have refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
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: To Whom It May Concern, XXXX XXXX DBO-XXXX Acct. Nos. : XXXX Dispute ID Nos. : XXXX I filed a dispute around XX/XX/2019 with Barclay in regards ( information listed above ). I am a Barclays Group US , Inc., or one of its corporate affiliates ( hereinafter, Barclays ) cardholder who has attempted to dispute transaction ( s ) in which I have not received anything of value from the merchant and I have yet to receive confirmation from Barclays that my account ( s ) will be credited the full amount of the transaction ( s ) including interest or I have been told that my dispute has been denied by Barclays. I am writing to inform you that I would like to continue my dispute of the following transactions : I am the cardholder to whom a credit/charge card was issued by Barclays Group US , Inc., or one of its corporate affiliates ( hereinafter, Barclays ) with the last four digits of XXXX ( hereinafter, XXXX XXXX ). On or about XX/XX/2019, charges were made on XXXX XXXX by a merchant named XXXX XXXX in the amount ( s ) of {$31000.00} ( the XXXX XXXX Transaction ). I never received any goods, services or anything of value from the merchant as a result of this XXXX XXXX Transaction. The merchant has refused my requests for a refund or cancellation of this XXXX XXXX Transaction. I contend that I should not be held responsible for the XXXX XXXX Transaction ( or for any interest, penalties or other fees arising from or accruing as a result of that transaction or my failure and refusal to pay that charge ). I have attempted to dispute the charge with Barclays through Barclays prescribed procedures and have not been successful in getting any assurances from Barclays that Barclays will not seek to hold me liable for the full {$31000.00} in XXXX XXXX Transaction. It is my understanding that XXXX XXXX and XXXX XXXX, XXXX are under the common ownership and control of an individual named XXXX XXXX aka XXXX XXXX XXXX aka XXXX XXXX ( XXXX ), and at all times XXXX, XXXX XXXX, and other entities under XXXX 's control acted interchangeably and in concert with one another in my and other cardholders ' interactions with them, and all are named together as defendants in this action and referred to as the XXXX Merchant Defendants. The XXXX Merchant Defendants provided no goods, services or anything of value to me with respect to the card transactions listed above ( collectively, the XXXX XXXX Transactions ). The merchant ( s ) and their owners have likewise refused to provide me with a refund or credit. In your letter denying my dispute on XX/XX/XXXX, you mention that you will be sending the merchants response to my dispute claim. However, no such merchants response was ever sent or received. After not receiving any communications, after sending in my response to your XXXX Dispute denial on or around XX/XX/2019. I decided to call in Barclays customer service and dispute team to discuss the matter. After speaking to XXXX ( Operator ID # XXXX ), I was told that the dispute was resolved " in my favor '' to the amount of {$12000.00}. With the remaining amount not resolved " in my favor '' being {$19000.00}. To give some background, on XX/XX/XXXX the charge for XXXX was made of {$31000.00}. On XX/XX/XXXX I accidentally paid the Barclay account balance of {$19000.00}, before I had known that I would be needing to dispute the charge. The months after I also paid extra amounts totaling around {$500.00} in minimum payments and interest. However, typically when an item is under dispute and resolved in ones favor such interest and payments should be returned. Therefore, I think it is absolutely unjust and cruel to not grant me the full amount of the dispute simply because I accidentally made a payment of a transaction I did not know would later need to be disputed. It is a bid ridiculous that it was decided to have only the amount I had not paid to be ruled in my favor and the amount I did happen to pay still gets lost/stolen by the merchant. {$19000.00} is not an insignificant amount and getting back that money lost would help me and my family greatly in a time like. Moreover, even after they granted the dispute in my favor I have been receiving statements and the online account still shows I have over {$19000.00} in amounts owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Today XX/XX/XXXX XXXX XXXX location services called my parents house. They are calling on behalf of Barclays cars who has my information but they did not call me. They are reaching out to family that I do not live with. They harassing my family and harassing me. They are giving out my information. Phone number is XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX Inquiry on XX/XX/XXXX and XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. Barclays Bank XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. XXXX XXXX XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello. This is a follow-up to ( two ) prior complaints with Barclay 's. The complaint number is XXXX. Recap : Barclay 's is reporting an XXXX XXXX XXXX MasterCard that was opened fraudulently. I asked for validation of the debt. They did not provide anything to me and then after close to two months provided me with fraudulent statements ( they asked for my current mailing address and SSN which I provided in my letter to them. They in turn took my current address - a PO Box - and placed it on old statements ). I few months back I went to the police department in XXXX XXXX for file a fraud affidavit. The intake office said he could not sign off on the affidavit because the account/crime was too old. He did provide his business card, which I'm submitting in my documents. So, I had the document notarized. I recently received a letter from Barclay 's now saying that the original creditor is XXXX XXXX XXXX and that I would have to contact them for the documents I am requesting. First, XXXX XXXX XXXX is not reporting on my credit bureau report - Barclay 's is the one reporting. Two, Barclay 's provided me with fraudulent statements. They have no legitimate documents to validate the debt. Three, why is it my responsibility to now go to XXXX XXXX XXXX for validation documents when they - XXXX - sold the debt to Barclay 's. It's Barclay 's responsibility to validate the debt not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Hi recently paid off my loan to BarclaysUS ... I did this online for the amount of {$4500.00} and selected to pay off loan and was given a payoff amount, so I paid off the amount. This morning at XXXX XXXX I receive an email stating my loan paymnentin the amount of {$150.00} is due on XX/XX/2019. So I called and spoke to Ms. XXXX and was told that I had to go online and stop the auto pay and that it wouldn't do it itself. I told her that it wad my intention to pay off the loan and that amount was the payofff amount I was given online. She said I have a balance of XXXX cent. XXXX cent would cost me {$150.00} until I paid my loan in full! I don't believe this business practice and need help to fix this. Barclays XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A