Date Received: 2019-10-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I incurred repeated late fees for {$3.00} charge. First bill was {$7.00} in late fees, next was {$17.00} in late fees. Total balance was less than {$34.00}. They never called me to inform me my payments were late, they never sent any correspondence via US Mail or email. The only way I found out was through credit reporting agencies. I promptly made the payment, but now my credit score is down 50 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I opened up a Barclay Bank credit card with airline miles. I spent over 60k on the card with the understanding I was earning miles paying off promptly each month. In XX/XX/XXXX my bill had a fraudulent charge from XXXX for 120 plus. I contacted XXXX they couldn't help so then contacted Barclay and explained situation. They would not help me as well and without my permission he cancelled account. I called back the next day because I had over 100k in miles ( the promotion ) and explained I didn't want to cancel. They informed me the could reopen account but I was to lose ALL MY MILES!! I told them I'd pay full remaining balance on the account as long as they gave me those miles ( which was going to be honeymoon in XXXX ) they refused. Its still affecting my credit and the WROTE IT OFF.It is complete FRAUD! Please HELP! Thank you for your time XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2019, I conducted a cash advance. I attempted to pay the full amount on the same day to avoid interest, but was unable to as the bank does not allow a payment greater than the posted balance. The cash advance was still temporary authorization. On XX/XX/2019, I attempted the payment again and was still denied the ability to pay the full amount as the advance amount was still a temporary authorization. On XX/XX/2019, the cash advance amount posted, however with a date of XXXX, resulting in 2 days of interest be charged. However they charge the cash advance fee on the XXXX when it posted. This is unfair, deceptive, and abusive. The customer is unable to prepay an amount that is temporary authorized to avoid interest. If a payment can't be made by the customer until it hits the balance, the transaction date of this cash advance should have been the date when it posts, allowing me the opportunity to avoid interest. This is probably happening on every cash advance as the banks system process to restrict payments beyond the balance, but posts two days later with a date 2 days prior. Screenshots have been captured to show the restriction to pay as well as the back dating of the transaction when it posted 2 days later. The CFPB should also conduct an exam of cash advances and evaluate the capabilities restricted to customers while date calculations backdate. There is probably millions of dollars in interest being charged every year for extra days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2019 I submitted an online application for a Barclays credit card account. On the spot I got : ( 1 ) a hard inquiry placed on my XXXX credit report ( 2 ) a message on the screen from Barclays stating they needed more informaiton from me to further review / process my application. I then called in Barclays Credit Card Services and got XXXX on the line, who : ( 1 ) verified my information, ( 2 ) then asked me a lot of questions about my business, ( 3 ) placed me on hold and took a look at my credit to make a decision She then went back to the line and advised me that everything looked great on my credit report but that as I had the same product in the last 24 months, she could not approve my application. She advised me it was a hard policy in place at Barclays and that she could not do anything to overturn it. I advised her I did not know anything about such a hard policy and that, if it did exist, my credit should have not been pulled and all the time spent on calling in, answering business questions and waiting on hold for her to review my application could have been avoided. After all, if such a hard policy is in place, why was I pulled on the spot my credit report? Barclays ' system should have found that I had the product in the last 24 months and spare me the inconvenience and hard pull. I explained to her how my situation had changed and why I was applying for the same product : I had been recently awarded with two international projects and anticipated a lot of travel on XXXX XXXX so it made sense for me to apply for the product and keep my accounting separate for my expenses for international clients as well. She would not budge and then I kindly requested to speak with her supervisor. XXXX, operator ID XXXX, got on the line. I explained to him the situation and he reconfirmed that because I had the same product in the last 24 months he would not be able to approve my application. I then complained to him about all the inconvenience I had to go through. If they had hardcoded in their system to deny me because I had the same product in the last 24 months, I should have been declined on the spot and my credit report should have not been pulled. The inconvenience was greater because as I was not declined, I spent time calling in, answering business questions, when Barclays and their underwriting system seemed to had hardcoded from the beginning to decline me based on this unheard 24-month-same-product ineligibility policy. I then kindly requested him to have at least the hard inquiry placed on my XXXX credit report removed as my application should have not been even processed by them as their system would decline me automatically based on the aforementioned 24-month-same-product ineligibiliy policy. He apologized for the inconvenience but refused to remove my hard inquiry. I do not think this is fair. If Barclays has such a hard policy in place it should be embedded on their system and not pull customers ' credit reports uselessly. At least this is done by other financial institutions such as XXXX or XXXX XXXX XXXX whose systems do not pull customers ' credit reports if they find an ineligibilty hard policy in place on their end for the product that the customer applied for such as the one described by Barclays. My credit report should have never been pulled and all the inconvenience I went through should have been spared. I then kindly request to have this hard credit inquiry removed as my application should have never been processed based on Barclays ' said and unpublished 24-month-same-product ineligibility hard policy. Also, all the time spent on the call answering business questions should have been spared if, as acknowledged by XXXX and XXXX, there was no credit reason to decline me, just the aforementioned hard policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Some of the dates may be off by a few days because I didn't start writing things down until XXXX, but the basics are that Barclay was sent an overpayment of {$15000.00} XXXX XX/XX/2019 from my bank 's billpay service ( XXXX, it was sent as an ACH ). I immediately called Barclay and was told I need to wait until they process it. On XXXX XXXX, I confirmed that they had a {$15000.00} credit on the account and requested return of that money through their online account. It said 7-10 business days. I called 10-12 business days later ( probably XXXX XXXX ) and was told a check was sent. I told them I had not recieved it, they could not tell me when and where it was sent and didn't have any way of tracking it. I called several times over the next 2 weeks and was told the same thing. I called just before I left on a 3-4 week vacation ( probably XXXX or XXXX XXXX and asked them to send a new check. When I returned late XXXX ( probably XXXX ) there was no check. I called and they told me a check was sent out XXXX XXXX, but couldn't tell me where it was sent to and still were unable to track it. I called several times requesting a new check. It is XXXX XXXX and I am no closer to a check. I just had a conference with the people who run the billpay service, XXXX, a Barclay representative, myself and my wife. They are still unable to tell me when I can expect a check. Their plan is to send it the same way they claim they sent it last time, without a tracking plan, so if it doesn't arrive again, I am back where I started. At this point it seems like it could be called grand theft or wire fraud. I am unable to upload my wife 's file as I cancelled the account due to their poor service, but I copied my messages to them thru my wyndham account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 046XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
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: It began when we ( me and my wife ) processed a payment on our daughters electronic tablet on XX/XX/XXXX in the amount of {$4.00} to XXXX XXXX ( game developer ) via the XXXX XXXX app. Barclays did contact us immediately to confirm that this was authorized purchase, of which we answered in agreement to authorize it. Soon after, beginning on XX/XX/XXXX, my daughter used this card to process purchases mostly to XXXX XXXX ( other game developers also, always through XXXX XXXX ) without our consent. I contacted Barclays in early XXXX to dispute these charges, of which, your representative put me in contact with a XXXX rep and XXXX agreed to credit us back a portion of the purchases totaling {$220.00} with the assumption that we would contact the game developer, XXXX XXXX, and dispute the remaining balance directly with them. At this time I have contacted XXXX XXXX three times via email and they have not replied to my inquiries as of yet. I would like the remaining balance of {$440.00} credit back from either XXXX, XXXX XXXX ( and other game developers ) or Barclays. The U.S. Truth in Lending Act covers unauthorized purchases in excess of {$50.00}, protecting consumers. The XX/XX/XXXX letter stated that Barclays position is that, once a cardholder releases the account information to another individual for use of the account, he/she is accepting responsibility for any and all purchases made by the individual. I strongly disagree with this position. The comparison to my situation is back when the Federal Trade Commission ordered XXXX to pay out a minimum of {$32.00} XXXX to reimburse parents for unauthorized mobile app purchases made by their kids. Whether youre doing business in the mobile arena or the mall down the street, fundamental consumer protections apply, said FTC XXXX XXXX XXXX in a statement. You can not charge consumers for purchases they did not authorize. This is identical to my position, these charges were made by my 10 year-old daughter without our approval. The fact that XXXX refunded us {$220.00} of the original {$660.00} in unauthorized charges demonstrates that they are accepting responsibility, yet, not completely, based on the partial refund. XXXX position at the time of their refund was that they will refund the {$220.00} and remaining balance owed will have to be addressed by contacting and disputing the charges with the game developer, most of which is XXXX. At this time, XXXX has not replied to my three inquiries and XXXX has refused to reimburse us any more money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: ON XX/XX/19. I Purchased A Dining Room Set, which came with 4 Chairs and Table, I also order 2 Extra Chairs. It was Curbside Delivery ; Once Assembly, 1 Chair was damage with black declaration on Chair. I Contacted XXXX XXXX XXXX and Raven 's Barclay Card, No one did anything but took My Money and never came with Replacement of Damage Chair. Nor would they give Me A refund. Barclay saying its out of their hands, but release the Money on the Day I order, without waiting on Furniture to Arrive or see if Customer was happy with Furniture. That set cost Me Over {$3000.00} Dollars. I had Already Paid Ravens Barclay Card, {$2200.00} for the Furniture that wasn't damage. But not the 2 Chairs for {$540.00}. After they Refused to do anything about the problem, I told them to come get the hold Set and we even. The Second Dispute was with XXXX XXXX XXXX XXXX. The Car was Pre-paid in Advance By XXXX XXXX, {$600.00}. I was the one who pick up Car because I arrive to XXXX XXXX first. I was told I needed A Credit Card in My Name to pick up Car, and they would put A hold on it. I stated not to Charge My Card and Mr. XXXX XXXX would pay balance when we return Vehicle. When we Return the Vehicle together They wouldn't take Mr. XXXX XXXX and told Me The Charges was on My Card. I told them I didn't Authorize the Charges and Mr. XXXX was Paying for Car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2019, I made 4 payments via my XXXX XXXX bill paying service. 2 payments were credited to my Barclay XXXX XXXX MC account and 2 payments ( XX/XX/XXXX {$100.00} and XX/XX/XXXX {$200.00} ) were not. They all came from the same source. I contacted Barclay and faxed the images both front and back of the checks from the two payments in question. After several calls and message exchanges, I have yet to have an answer. In the last conversation, the representative stated that my case had been " escalated '' but there has been no contact at all ever since. I refaxed all the information including redacted XXXX XXXX Statements showing the money leaving my account. The cashed checks went to a XXXX XXXX account with as Barclay 's stamp.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I had made several attempts over the past 5 years to get a lower monthly payment with Barclays. I went in to the hardship program twice. The initial time I only had to make payments of {$100.00} and the second time it went to {$150.00} which at the time I informed them I could not afford. Once the card went back to regular payment plans they request over {$400.00} a month in monthly payments just to maintain the balance. I do not truly owe the entire amount shown on the account as a majority of it lies in fees, penalties, and interest. They would only allow me to go in to hardship once I was behind on payments, which I was penalized for, and kept increasing the hardship payments. It was a battle and struggle to just maintain the debt on this account. I would like to reach a settlement with this company with reasonable monthly payments that I can afford. There is no way I can afford a {$400.00} a month card payment to keep the same balance while also paying a car payment and student loans and so on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For some reason Barclays Bank Delaware has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. I disputed this account XX/XX/2019 on my XXXX and XXXX credit reports to no avail. To date, Barclays Bank Delaware continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a letter informing me they received my dispute. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that Barclays Bank Delaware knows they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Barclays Bank Delaware is blatantly disregarding the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A