Date Received: 2019-10-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have signed up for Wyndham Credit Card through Barclays Bank, they advertised a promotion of 15,000 points after the first purchase. I made a purchase within first month and they have not come through their promise. I contacted the bank several times because the bonus points did not show up, without success. Af first they said I had to wait up to 12 weeks, when the 12 weeks passed they changed the story saying I needed to spend XXXX dollars minimum which was not in their marketing material. The account was open XX/XX/2019, for a Wyndham Visa Rewards card, no annual fee version. as stated in their terms : " Cardholders will earn 15,000 Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I have made a purchase within the first month meeting the requirements as stated by their terms. The time for bonus points to post to the account are 8-12 weeks which passed without fulfilling the bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2019 someone from Barclays Bank Delaware tried to pull my credit report and did a hard inquiry according to XXXX report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
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: On XX/XX/XXXX my employee XXXX XXXX Charged Airline Ticket with XXXX in the amount of {$2700.00} on company 's ( issued in his name ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware. He completed first leg of journey on XX/XX/XXXX while still had return portion due to travel on XX/XX/XXXX. Mr. XXXX received a call from XXXX XXXX XXXX notifying him of suspicious activity on his card, upon which he verified that XXXX and two other XXXX transactions were valid and remaining were not. upon receipt of new statement MrXXXX XXXX called and advised the bank that he was issued credit for XXXX even though he confirmed to the agent that the charge was valid. The agent informed Mr. XXXX that it was an error in Bank part which has already be corrected and XXXX was not debited therefore he did not need to worry about anything. When Mr. XXXX called XXXX for seat allocation and reconfirmation prior to his travel he was told by XXXX that his ticket is frozen for nonpayment as credit card company did not pay the airline. When Mr. XXXX called the Bank again, he was told the bank will take care of it. He received a letter in the mail stating that regarding claim and a credit has been issued to the card, then the credit was reversed on the card and card was charged again. Mr. XXXX spoke with several agents at the bank and they insist that XXXX has been paid. Mr. XXXX spoke with several XXXX agents on the phone and in person at XXXX airport location and they all advised him that airline has not been paid therefore his return portion is still frozen. Mr. XXXX forwarded the matter to me and I spoke with XXXX at Claims/Disputes and he promised to investigate the matter and would get back to me, which he never did. I called again and I explained to him the situation and insisted that He must stay on the line with me when i call XXXX since he was not willing to call XXXX to resolve the issue. XXXX stayed with me while I spoke with XXXX agent on the recorded line and XXXX agent informed us that XXXX has been paid therefore the ticket is frozen. XXXX advised me that he will work on the resolution and get back to me but it has been over 2 months and we have not heard from XXXX or any one from the bank in writing or via phone. In short currently we have paid for the entire ticket, used only one way. XXXX Claims non receipt of payment, Bank claims they have paid. Bank caused the entire mess by disallowing payment in the first place and issuing letter to XXXX regardless of what actually happened therefore Bank is responsible to clean the mess up. Furthermore, there is high probability airline may not allow Mr. XXXX on its flight unless the matter is cleared. It is bad customer service and poor handling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Originally this issue was my mistake. I submitted my payment in full to Barclay through a bill pay system. However, I accidentally sent it to an old credit card account instead of the proper XXXX account. I have been calling this bank sine XX/XX/XXXX to get the monies moved to the correct account. Representatives have told me it will be finalized on XX/XX/XXXX and XX/XX/XXXX both of those dates have been missed. I get zero communication from them as to why and have to wait through long phone calls on hold to get anyone that knows even that this problem exists. I would like to just get the money that has been taken from my bank account applied to the correct account and the interest and late fee charges reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32937
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX I applied the Choice Prvileges card ( VISA ) and received it. Within a week of the application I have seen the offer by the same issuer Barclays bank that upped the point limit to XXXX points from XXXX. I called Barclays Card application line and requested the offer to be transferred into the higher point category. I was told they don't have the capability of doing that but after I receive my first statement and I am a member in good standing ( i.e.pay the bills ) I will be able to be get the additional XXXX points credited to my account. I was also instructed to speak to the manager to achieve that. About ten days ago I called and after a long hold I was told that no manager will speak to me about this as " all managers are very busy. '' I then requested for a call back from the manager which I was told will happen within 48 hours. It didn't. I also reached out to the media relations person from Barclays who assured me the issue will be referred to the appropriate dept for resolution and as of today I received absolutely no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: " NEW ISSUE '' I have completed papers in XXXX District Court in XXXX XXXX XXXX and called Barclay and asked how to serve them papers from the courthouse the Barclay representative gave me a PO Box that doesn't reflect their registered agent office so I can't mail them. I am seeking litigation for violations for neglience under the Fair Credit Billing Act and Truth in lending acts and not honoring police reports in XXXX district court in XXXX for damaging my credit reports and not being able to move due to this and my safety been jeopardized due to criminals knowing where I live.
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: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is BARCLAY. I shows two different dates of XX/XX/19. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Barclay 's Arrival Plus had a promotion of a sign-up bonus for XXXX miles if you spend at least {$5000.00} within the first 90 days after opening. On XX/XX/2019 I was approved. I had until XX/XX/2019 to spend {$5000.00}. Twice before the due date I called Barclay 's customer service confirming the date and the amount I have left to spend. Both customer representatives also referred me to check my account online on a tool called " Spend Analyzer '' to determine how much I spent up to that point. This tool is inaccurate. It includes credit card fees that aren't counted toward to {$5000.00} requirement, but I wasn't informed that nor were the customer service representatives aware. After my 90 days passed, I fully expected to receive my bonus. I called customer service and they said I didn't meet the requirement. I thought this was a miscalculation on their part because I downloaded my statement and it showed I was over the {$5000.00} and matched the Spend Analyzer. I opened a case so they can review if I spent enough. It wasn't until later that if I removed the fees, my calculation matched the customer rep. But the company never contacted me back after they closed my case. I called again and spoke to a customer service manager. This time reporting that their tool was misleading and that I would absolutely have spent the $ XXXX I was short to earn {$700.00} in rewards if I had known the true calculation. Who wouldn't spend {$15.00} more if it meant {$700.00} back? They opened a new case. I was still not rewarded the bonus nor did they contact me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclay has for a 4th time now not been able to manage this account correctly. Im not going to get into the details of the other 3 XXXX ups. But this time they doubled the debt on my account from {$13000.00} to {$28000.00}. They also tacked on another {$300.00} interest fee which is not allowed again as this is a 0 % card and Ive been promised repeatedly that this repeated disregard of the contract on adding fees would end
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: 2019-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied for a VISA credit card with one Barclay Card from Barclays Bank Delaware to obtain financing to purchase Apple products. One time I did receive financing but, this year I had called the card service and they approved financing for {$1600.00} towards purchase of two XXXX devices and so I purchased based on their verbal assurance over phone but, actually they never gave me financing instead, they started charging me the full interest from the time I purchased the devices. After a few payments of interests when I call them they always dodge me stating the next statement will have all the reimbursement but, it never happened. So, I paid them in full and stopped using the card. In the previous balance which was {$390.00} due on XX/XX/XXXX, I send a XXXX & XXXX check and mailed on XX/XX/19 but they still charge me {$31.00} as interest. Upon this, I called them and when I explained to them that I have full records of my payment signed and mailed on XX/XX/XXXX and it does not take more than 2 working days for mails to reach destination they waived off the fees and interests. At that point I requested them to cancel my VISA card account completely and give me a reference number or an email Notice of cancellation. They have failed to give me any reference number, nor any Notice. They only told me that I shall be receiving a letter. After that conversation I have neither received any letter nor any email stating my cancellation. I spoke finally with one operator whose name was XXXX and an operator ID XXXX ( as told by her ). Kindly help me obtain complete account closure letter from Barclay Card. Their website is BarclaycardUS.com and their Customer Service is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A