Date Received: 2019-10-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2019 a check in the payoff amount of {$14.00}, XXXX was issued to Barclay Bank to pay off XXXX XXXX XXXX XXXX XXXX account. The USPS tracking showed the check was received in the Delaware processing center on XX/XX/2019 and was negotiation on XX/XX/2019 though XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Absence of Endorsement Guaranteed Barclays XXXX. The payment was still not applied to the account on XX/XX/2019 so we contacted Barclay for a status. They advised us they would look into the matter. We called again on XX/XX/2019 because the payment had still not been applied to the account and the agent was still unable to locate the payment. We called again on XX/XX/2019 and request to speak with a supervisor who indicated they still had not located the payment, at which time we informed them that we could provide the cancelled check, which we did by e-mail on the XX/XX/2019. We have called every day since XX/XX/2019 and keep being told that despite all of the tracking information, cancelled check and sending by overnight mail my marriage licences and passport ( which they would only accept by fax to a number that is always busy, US postal service or overnight mail ) showing my married name, which they received by overnight mail XX/XX/2019 but still refuse to apply the payment and keep telling us that we can't speak directly to the group that conducts the investigations and that we have exhausted all avenues to getting this resolved sooner than 30 days. Because they have not applied the payoff, we are now forced to make a minimum payment of {$830.00} in order to keep the account in good standing while they investigate. We are also accruing fees and interest on the unpaid balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX closed a MasterCard earlier this year because of a missed payment. The account is in my name but was being paid monthly by my ex-wife. I have since taking over the account and have been paying it down. However because the interest rate is so high, it is making it difficult for me to pay it off and creating a financial strain on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
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: This complaint stems from the credit card company failing to resolve two disputed charges on my credit card statement within the required 90 day period. Two charges showed on my card after I had returned two items ( XX/XX/XXXX and XX/XX/2019 both for {$160.00} each ). I raised a dispute in XX/XX/2019 ( letter states it was initiated on XX/XX/2019 ) by phone. A letter received XX/XX/2019 was sent by the credit card company to me asking for additional information after being contacted by the merchant ( who provided their online policy, nothing else ). I faxed a response within 10 days of receiving the letter to the credit card company detailing that the merchant did not honor its return policy and provided additional information to that effect. A resolution was then mailed to me on XX/XX/2019 stating that the credit card company could not do anything. This response was far after the 90 day period required under the FCBA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I need help I keep getting in accurate reports from XXXX XXXX XXXX and need help clearing my credit history reports hard and soft because there is a lot that is incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was fraudulent charge made on my card at a wireless store. I notified Barclay by phone 5 times emailed and faxed them over a 2 month period. I have been unknowingly paying for the charge for over a year because I have all cards set up on autopay and recently relized when my bank account was compromised and had to set up all accounts again on new account and realized I had two Barclays payments coming out. I am getting the run around and no help from Barclays!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The XXXX Credit Card misled customers by using the Bait and Switch manipulation technique. They lured people to their credit card with no annual fee and great benefits allowing you to use cash back towards your statements. Now they not only lowered the benefits but made their cash back system only for credits towards their own company. Now I am stuck with this credit card because I care about my credit history and do not want to have a canceled credit card this quickly on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2019-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since Barclays has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.
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: 2019-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The XXXX Visa Card ( offered through Barclay 's ) for the past 2 yrs has had a 4-3-2-1 rewards category scheme with a cash back option. People have been approved for credit cards, agreeing to these terms and conditions literally up to this morning ( XX/XX/2019 ). For them to unilaterally and forcefully change the entire rewards system ( for many people less than 6M after signing up ) so that 1. the rewards categories change and 2. ( most importantly ) that there is no longer a cash back option with no opt-out of the changes is preposterously criminal to the people that signed up for the old terms and conditions. People sign up for credit cards and agreements with the expectation that the conditions they sign up for will be respected. A company is entitled to change their conditions, but should do so for future customers and not the ones that signed up under the old conditions ( or offer an opt-out of the new changes ). For them to then change those conditions for some people less than a day after being approved is a stark abuse of power. Especially, considering the opposing consumer side is powerless to disagree because there is no opt-out option, and if the consumer were to cancel the card, their credit score will suffer causing reverberating effects. A rewards system is an integral part of the critical decision to open a credit card account ( which can have drastic effects on a consumer 's life ), and should not be subject to whimsical unilateral changes whenever a company wants. The implications of such are obvious, enabling companies to impose drastic financial burdens on their consumers without consumer input.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclays Bank decided to close my Barclays Arrival World MasterCard due to inactivity. When they closed the account they sent me a letter and said I should call to claim any rewards outstanding. I had {$18.00} in rewards but Barclays refuses to pay it to me or transfer to another card ( I have another Barclays card ) because it is under {$25.00} and their policy states that they won't pay rewards until you have at least {$25.00}. By closing the card on me they are ensuring that I will never reach this amount. When one considers the fact that Barclays chose to close this card unilaterally, they should not have the right to just erase my rewards. It would be very simple for them to transfer the rewards or pay them out. This is unethical on their part, and part of a campaign to nickel and dime credit card customers. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My last payment to my XXXX Visa Card account with Barclays on XXXX, XX/XX/2019 was processed in the amount of {$290.00} by ACH automatic debit from my Barclays savings account ending in XXXX. Over that 3-day weekend, the debit was held as pending by Barclays owing to a temporary freeze on funds in my account that I was not made aware of. On Wednesday, XX/XX/XXXX, I was informed by Barclays that my pending debit would be rejected. Two business days had passed since my automatic payment successfully posted to my XXXX Visa Card account, so I contacted XXXX Visa Card customer service with my concern. I was assured twofold that my account was in good standing and that there were no annotations on my account to indicate any problems with my payment. The representative stated that he did not want me to experience any problems with my account and thus took additional effort to ensure the compliance of my payment. One day later, on Thursday, XX/XX/XXXX, my XXXX Visa Card account transactions listed 4 new items indicating that my payment that had been processed five calendar days prior had been returned. The account had been assessed a retroactive interest charge, a returned payment fee, and a repeat debit of my Barclays savings account ending in XXXX for the same amount of {$290.00}. I contacted XXXX Visa Card customer service by phone and by secure message through the online portal to address my concern about the lapse in payment and requested in three instances on both occasions that the interest and fee be waived as a courtesy in acknowledgement of the trying circumstances beyond our collective control. I was refused on both occasions with XXXX Visa Card maintaining that they would not be liable for returned payments enacted on their automatic debits and affirming their prerogative to assess both interest and punitive charges. The funds in dispute by Barclays XXXX Visa were in practice never in jeopardy. They were able to debit my internal savings account with Barclaysand acknowledged as much in my ledger and in dialogueand retroactively insisted on my negligence by artificially reversing and repeating the ACH debit in one fell swoop. My account never past due, yet XXXX Visa marked the reversal initiated on the XXXX as occurring on the XXXX in order to impose interest on the five calendar days when the payment was never, in fact, past due. This insidious practice does not comport with the reality of the circumstances underlying these events and serves only to further an ostensibly dubious profit-driven imperative. Moreover, Barclays was never deprived of the funds given the delay in learning of the lapse and acting to reappropriate them in real-time within its own institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A