Date Received: 2019-10-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: When receiving my Barclay AA Aviator Business credit card, I asked the call agent for a match for more points if I met the minimum spend of {$1000.00}. The customer support agent accepted my match but I have not received the match after months of waiting. I have called multiple times and sent many secured message/service requests through the card online program inquiring about the match and still no answer. Barclay AA Aviator Business did not told up the end of their promise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2019 I attended a Wyndham seminar. I provided information to check on financing, which I declined. And I consented to being sent promotional emails. Later that day I received an email that I was approved for a credit card with Barclays and that the card was in the mail. I never asked for or consented to being signed up for a credit card. Credit card terms were never discussed. No credit card was ever discussed at all. I did not purchase anything and did not wish to enroll in anything which was made extremely clear to at least 4 separate employees at the time. I have already contacted the bank, whos representative told me they would do a fraud investigation but that since I had given them my information it would still be considered a valid account even if I had been signed up without my knowledge or consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I contacted Barclay around the first of XX/XX/XXXX because I was charged {$99.00} annual fee. The promotional offer was {$0.00} intro annual fee for the first year, then {$99.00}. Since this time, they have not removed the {$99.00} annual fee. The account was opened in XX/XX/2019. Today, XX/XX/2019, I spoke with XXXX who told me there was no " {$0.00} intro annual fee for the first year ''. I explained to him that I had the brochure in my hand and that it was advertised both on the brochure & on the XXXX XXXX flight that it was {$0.00} intro annual fee for the first year, then {$99.00} ''. He explained that there were several promotions and this was not one of them. I asked to speak with his supervisor to which he told me that they would " tell me the same thing. '' He then proceeded to tell me that the " NO ANNUAL FEE '' was effective for " XX/XX/XXXX '' only. NO WHERE on the brochure does it say that. It says to sign up before XX/XX/2019. I explained AGAIN that the REASON I signed up & the reason given to me by the flight attendants & brochure were for the following : 1 ) {$0.00} intro annual fee for the first year, then {$99.00}, 2 ) 60,000 XXXX XXXX XXXX Bonus Miles, 3 ) {$99.00} companion flight certificate, 4 ) {$25.00} back on in flight Wi-Fi purchases, 5 ) 25 % inflight savings, 6 ) Preferred boarding & free 1st checked bag, 7 ) Earn 2x XXXX miles for every {$1.00} spent on AA purchases, and 8 ) Earn 1x XXXX miles for every {$1.00} spent on all other purchases, 9 ) I would receive 500 bonus miles since I was a first-time applicant. All of this if I signed up before XX/XX/2019 ; which I DID! ( and all I needed to do to make this happen was simply to make 1 purchase! " Even if was a pack of gum '' as explained by the flight attendants. ) This is nothing but a racket and terribly disappointing by a major Airline who has chosen to partner with such a terrible financial institute. I want a refund for my {$99.00} that they charged me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On my XX/XX/2018 bank statement i observed two unauthorized charges from XXXX Store ( {$920.00} and {$170.00} ) which as soon I noticed them I reported to the bank so they can investigate this matter.. The first time I contacted the bank they asked me a few questions and one of questions was if I had the card in my possession since I only use credit cards for emergencies I though the card was in my possession and my answer to their questions was YES, however ; after going through my Cards I realized that the card was not in my possession. A couple weeks later, I received a denial letter from the bank making me responsible for the charges although I explained to them that those charges were not made nor authorized by me. I contacted the bank and I explained to them that the card was not in my possession at the time the fraud took place however the bank insisted that I was responsible for those charges. As a consumer, it is my legal right to request evidence for the disputed purchases and a voucher with my signature is the only evidence that will make me liable for these charges if in fact I made these purchases. I have requested in many occasions to the bank to provide me with the vouches as I as I want to verify my signature but the bank has refused to provide me with such important piece of evidence. The bank is being bias and because I said by mistake that the card was in my possession when I filed my claim the fist time they are using that against me but they dont really have any evidence at all to prove that those charges were made by me. Technically speaking I should not pay for these charges however, currently I am paying for these fraudulent charges just to keep my credit in good standing. I need for the cfpb investigate this matter and to resolve it in a fair manner otherwise I will exercise my legal right. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Credit Card - XXXX XXXX XXXX XXXX, Barclays Bank Delaware I hired a company to renovate my basement. I had a signed contract, receipts, pictures, emails, and text messages. I disputed the charges because the contractor stopped coming to work. My house was a mess, the job was very incomplete, and I had paid ( charged ) {$22000.00}. I contacted Mastercard in XX/XX/XXXX to dispute the charges and I was awarded a full refund in XX/XX/XXXX. My balance as of XX/XX/XXXX - credit for {$22000.00} My balance as of XX/XX/XXXX - credit for {$18000.00} My balance as of XX/XX/XXXX - credit for {$17000.00} My XX/XX/XXXX statement shows a refund check issued on XX/XX/XXXX for {$16000.00}. However, I never received the check. XX/XX/XXXX, I spoke to XXXX and she put a stop payment on the check and issued another one which I should receive in 7 to 10 days. XX/XX/XXXX, I spoke to XXXX who said it takes 25 days for me to receive the check. I spoke to XXXX, the supervisor and again put a stop payment, issued a new check. XX/XX/XXXX, I spoke to XXXX, who once again put a stop payment, issued a new check and said I should receive it by XX/XX/XXXX. She credited me for the balance on my XX/XX/XXXXstatement. At this point my balance was a credit of {$14000.00}. XXXX assured me I would have the check by XX/XX/XXXX. XX/XX/XXXX, I called a spoke to XXXX, the supervisor over everyone. She said my case was being handled by people in the " front office '' and she had no way to contact them except through email. She sent them an email and promised to get back to me. She did not. XX/XX/XXXX, I spoke with XXXX, he could see all my transactions, the credits, and the number of times I had called. He was going to speak to XXXX as soon as she got in that morning and see what was happening. He promised someone would get back to me. No one did. XX/XX/XXXX, I spoke with XXXX again ( and we both laughed at the stupidity of the situation ). He remembered my situation. Again, XXXX was not in yet, he emailed her and again promised she would call me back that day. Again, she did not. XX/XX/XXXX, I spoke with XXXX who said there was nothing she could do. By this point I had a payment due. She said I should make the payment - which is crazy since they owe me {$14000.00}. Again, nothing she could do but escalate the case. She also said XXXX would not be calling me back because XXXX had no new information to share with me. XX/XX/XXXX, I spoke to XXXX, who told me the only person over XXXX - the top supervisor - was the president of the company, but he didn't know his name. I suggested he ask the person sitting next to him for the information. He did and he even got me the address and fax number. He said the only course of action was to stop payment on the check and issue a new one. I explained this had been done multiple times to no avail. He said it was the only course of action and I would receive the new check prior to my bill being due. I should receive the check on XX/XX/XXXX and by bill was due on XX/XX/XXXX. That did not happen. XX/XX/XXXX, I spoke to XXXX who was very sorry to hear what was happening, but he could not help because the system was down. XX/XX/XXXX, I spoke to XXXX who was very, very apologetic and said not to pay the bill, there would be no interest and she was going to get to the bottom of things by escalating my case once again. At this point, the card was now being declined, and I could not use it. I have bills set up to be paid on this credit card which are now being denied. XX/XX/XXXX, XXXX confirmed my card is being declined due to balance not being paid and suggested I pay the balance! I am losing my mind about now. XX/XX/XXXX, XXXX said there is nothing anyone can do except escalate the case. She also said if I am concerned about the card being denied I should pay the balance. I am clearly losing my mind. XX/XX/XXXX, XXXX is now reviewing my case to resolve the issue. I told him my official complaint with the CFPB is ready for me to hit send. He is very sorry and suggests I make the minimum payment at the least while the Settlement Department takes another 7 to 10 days to figure it out. Seriously?? I am NOT making a payment to a company who owes me $ {$14000.00}! Time for me to hit send and find another credit card company to use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have a Barclays Frontier credit card, and I noticed that my miles expired in XXXX of XXXX. I called today, XX/XX/XXXX and asked why their expired and spoke to an extremely uneducated customer service rep, XXXX. I was told that if I don't use the miles within 90 days then I lose them, which I know is incorrect -- the miles are dependent on credit card usage. I called Barclays and let them know that at the end of XX/XX/XXXX I was getting stationed to do XXXX XXXX in XXXX, and would not have the ability to use a credit card as XXXX does not have the infrastructure to support credit card usage. I advised them that I would not be able to use the card for close to a year ( we were XXXX XXXX for XXXX XXXX ) They told me they would honor this as an exception and my miles would not expire. I came back from XXXX a couple weeks ago and noticed my miles expired. I am extremely upset. I would like to get my miles reinstated, XXXX miles to be exact. I'm sure there must be some documentation of my phone call with the bank in XXXX. My FlyFrontier Membership number is XXXX, I have been a member since XXXX of XXXX and have been storing my miles to use them for a trip one day, I am now ready to book my trip and of course they have wrongly expired my miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have a balance on my Barclay Card ... XXXX. I asked XXXX XXXX ... XXXX for a balance transfer of {$2000.00}, paid to Barclay Card ... XXXX. XXXX XXXX ... XXXX only approved a {$470.00} transfer. I contacted XXXX XXXX ... XXXX by phone at the beginning of XX/XX/2019, because I did not want a transfer in the amount of {$470.00}, I only wanted the transfer if it could be for the full amount of {$2000.00}. I was unable to speak to anyone who could assist me. The {$470.00} transfer was sent to Barclay Card ... XXXX, from XXXX XXXX ... XXXX, on XX/XX/2019 and was received by Barclay Card ... XXXX on XX/XX/2019. Since I could not get any assistance from Customer Service at XXXX XXXX ... XXXX, I called Barclay Card ... XXXX, around the time the transfer took place, and told them I did not want this transfer, hoping they could reject it. Barclay Card ... XXXX said they would take care of it. They reversed the {$470.00} off of my account and kept the payment. They are charging me {$470.00}, even though they received and kept the payment from XXXX XXXX ... XXXX, in the amount of {$470.00}. XXXX XXXX ... XXXX is also charging me for the {$470.00} payment they sent to Barclay Card ... XXXX. I sent a certified letter of complaint to XXXX XXXX ... XXXX on XX/XX/2019. They contacted me and told me that if they receive the funds back from Barclay Card ... XXXX, they will reverse all balance transfer fees as a courtesy. But they are unable to do anything until they receive that payment back. I appreciate their response and attention to this issue! I have called Barclay Card ... XXXX several times and usually they tell me they will send my account for review, but this issue is never resolved. I sent Barclay Card ... XXXX a certified letter of complaint on XX/XX/2019. I have received no response or resolution to this matter. I have emailed them at XXXX, still no response or resolution. Please help me get this issue resolved. I am being charged the same {$470.00} by both XXXX XXXX ... XXXX and Barclay Card ... XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14094
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I attempted to make a payment on my Barclaycard Aviator AAdvantage Mastercard on XX/XX/19 for {$860.00}. When arranging the payment from the Barclaycard website, I accidentally chose an old XXXX XXXX XXXX Checking account that I rarely use. My intent was to pay from another account from another bank. On XX/XX/19 the first attempt to process occurred with XXXX XXXX XXXX causing an overdraft of my account by {$770.00}. XXXX XXXX XXXX then charged a fee for {$35.00} for insufficient funds. On XX/XX/19 Barclaycard charged me a {$28.00} return payment fee. Barclaycard then attempted to run the payment again resulting in another overdraft with XXXX XXXX XXXX and an additional {$35.00} fee for insufficient funds on XX/XX/19. XXXX XXXX XXXX did send an alert that I later found in my email, but Barclaycard sent me no notice whatsoever that they had attempted to charge the account and received a nonsufficient funds notice from XXXX XXXX XXXX. I have called both XXXX XXXX XXXX and Barclaycard to ask that these fees be reversed because the total value so far is {$98.00} for an honest mistake. This seems like an unfair and deceptive practice focused more running up fees than serving a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a hard credit inquiry from Barclays Bank Delaware and I have had no interaction with them and never requested any credit services from them or their affiliates. Their customer service continues to say that XXXX has to delete it, then XXXX XXXX says Barclays has to provide documentation. They illegally accessed my credit information without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A