Date Received: 2019-11-02
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: Barclays bank combined non-related billing disputes into a single 'billing dispute case ' ID XXXX rather than keeping them separate as they were separate merchants and charges for different products/services. Specifically, a dispute against XXXX where clear evidence showing 'double billing for the same product and service ' was not resolved. Documentation was provided to the bank that an AUTO RENTAL booking was fully prepaid on XX/XX/2019 and then double charged by XXXX on XX/XX/2019. Later, additional charges of {$99.00} were made onto my XXXX VISA account without my consent ; I reported the charges to XXXX who confirmed the final charges for my contract did not include any {$99.00} charges. The bank failed to refund the {$170.00} disputed charges ( out of a total {$250.00} among 3 transactions ). There is one clear double-charge and one charge which is unrecognized by the card holder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12065
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: When I originally opened my XXXX credit card with XXXX XXXX, it carried no annual fee. When XXXX switched to Barclay 's MasterCard, it switched over to a card with a {$40.00} annual fee. Last year, I called because I did not want to pay an annual fee. I asked to downgrade my card to the Barclay 's XXXX card that had no annual fee. The representative told me that instead of downgrading my card, they could instead waive the annual fee, as my card offered me more perks than the no-annual fee card. I was also told that if the following year, I was not happy with the additional perks, that I could then downgrade my card. Now, I just saw that it was time for them to charge me an annual fee. I called up and asked to have my card downgraded to the no-annual fee card, as I was told I could do, if I wasn't satisfied with the additional perks offered for my level of credit card. However, unlike the assurances I was provided last year, now I am being told that there were no " offers '' available to downgrade my card. If I wanted the no-annual fee card, I would need to close my current account and apply for this new card. So now, my options are either to pay their {$40.00} annual fee or close my account/open a new account, which would have a negative impact on my credit score. I was lied to and believe this is a classic bait-and-switch tactic by the credit card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I recently applied for the Barclay 's XXXX Visa Credit Card on XX/XX/XXXX under the assumption that I would receive the advertised cash back rewards, and my application was immediately accepted. Two weeks later, on XX/XX/XXXX, I received an email that the entire reward system will be changed entirely where, among many other sore points, accrued points will now only be eligible for XXXX points. I called the support line on XX/XX/XXXX to voice my discontent with the sudden change, but the customer representative simply said there was nothing they can do, that the program changes were unilaterally decided by XXXX. The advertised rewards pale in comparison to what they are offering now, so I can't help but feel as if I was deceived into opening this account. It just seems as if the promoted benefits were just a part of a bait and switch operation to get individuals to sign up for the credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
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 some illegal use of my credit card around of XXXX of XXXX and called up to dispute .The credit card company put three charges that I had not disputed into a dispute. I received calls from these vendors, In house Cleanout at XXXX for XXXX and XXXX XXXX XXXX at XXXX for XXXX. Barclays told that they were going to pay these vendors. I received repeated calls from XXXX XXXX XXXX and after about 3 weeks I paid them in full from my XXXX XXXX credit card on XX/XX/XXXX and called up Barclays and told them I had paid the Vendor.. On my XXXX Statement they charged me for the XXXX XXXX bill again. I have made repeated calls and they keep telling me there is nothing they can do as it is to old ( but they put it back on XXXX On the In house clean out I paid the XXXX dollars on XX/XX/XXXX on my XXXX XXXX credit card as I received a call that they were not paid, Right after I paid them along came another XXXX dollar charge from Barclays that they would not take off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01803
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
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: Barclay has been allowing unauthorized charges to my credit card. In XXXX, my credit card expired. I called them to cancel the card, they refused and instead downgraded the card to one without an annual expense. In XXXX, a company had charged the card that had expired in XXXX, despite not being authorized to do so. When I called to dispute why Barclay 's authorized a charge to a card that expired in XXXX, they said that they do not care about if a card is expired and will continue to charge that and other cards associated with the account, even if the merchant does not have any active or correct information. Barclay 's will simply search for any other account in that individual 's name and attach a charge to that. Barclay 's has blamed me, because I did business with that vendor once over 2 years ago and that I should have anticipated that they may charge me again in the future whether it was authorized or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2019, a payment check in the amount of {$1500.00} was cashed by someone within the Barclays Bank organization, however, the payment was never credited to our account. The company was contacted about this payment and a conditional credit was placed on our account while the payment was to be tracked down. The bank requested copies of the front & back of the cashed check knowing that such copies do not exist since payments are processed digitally in Barclays ' system, meaning it is impossible to provide what they were requesting. What we were able clearly show and provide was the transaction ID from the check being cashed by Barclays Bank. Even after Barclays was contacted directly by a representative of our financial institution and told that what they are doing is essentially breaking the law, even after having submitted the transaction information showing the payment was received, and now, nearly 4 months after the original payment check was cashed, we are still being ignored by Barclays Bank with no communication about the status of the situation after 6 weeks from the date we re-submitted a letter and all pertinent information to them ( faxed on XX/XX/2019 ). Additionally, we have submitted 2 complaints to the XXXX XXXX XXXX regarding this situation. We have every bit of information necessary to prove they received this payment and it is beyond absurd that they have been able to get away with this. We were given a case ID number by Barclays, but that has been of no help, either.
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: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I just obtained my XXXX Visa Credit card from Barclay 's late last year ( XX/XX/XXXX ). I opened this card strictly for the reason that Barclay 's offered unlimited 4 % cash back on restaurants and bar purchases, as well as cell phone accidental protection when paying for your phone plan through the card, and another {$50.00} reward if you spend {$5000.00} per year with the card and have at least {$50.00} in online subscription purchases XXXX XXXX XXXX, XXXX, etc. ). Additionally, they offered a bonus cash back amount XXXX {$150.00}, I believe ) for spending {$500.00} or {$1000.00} within the first 3 months ( I can recall the exact amount ). I just received an email on Tuesday, XX/XX/XXXX, stating that the rewards program is being completely overhauled and none of these benefits as they currently exist will remain as of XXXX, XXXX. Even further, the rewards earned will only be redeemable as, " XXXX Cash, '' and no long cash back XXXX statement credit or direct deposit to my bank ) or in various gift cards. This is a complete bait and switch tactic and I would certainly be interested if there is anything the CFPB can do to help me. Thanks very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for the XXXX Visa Card from Barclays Bank and was approved in XX/XX/2019. On XX/XX/2019, I was informed via email there was a change in terms to the rewards structure. This change occurred so quickly that I feel like the advertised card and benefits that were marketed to me to entice me to apply were misleading and deceptive because the company significantly changed the reward structure immediately on me. This is unfair because I closed another account when opening this new card which impacts my personal credit via the credit inquiry and the decision to close another long standing account based on the advertised rewards Barclays offered. Barclays at the very least should grandfather existing account holders. I contacted Barclays regarding my complaint but no resolution was offered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A