Date Received: 2019-10-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My account ending in XXXX is enrolled in repeat payments, the amount of {$50.00} is scheduled to post one day before due date each month. No payment posted for this month for reasons unknown to me, a late fee was charged yesterday, XXXX, in the amount of {$15.00}. Because no payment was scheduled, I made a payment today,XXXX, in the amount of {$40.00}. I do not know why my auto pay did not go through, however, I do not believe it is my fault and should not be charged a late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
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: 2019-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Business Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I received a " FINAL NOTICE '' letter to settle a past due balance with " Juniper '' stating the balance due was {$3400.00}, but could settle the debt by paying {$1700.00}. The envelop was post marked from XXXX XXXX, IL XXXX on XX/XX/2019 XXXX XXXX L. I saved the letter and envelop. I have no knowledge of " JUNIPER '' or any debt to that business. I also read the warning by XXXX regarding XXXX XXXX and its principle, XXXX XXXX. I also read the information regarding the Government Action regarding this actor and business activities, conviction and punishment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have savings accounts and CD accounts at Barclays Bank, I am very upset I have received over 40 emails from these folks deleting my Beneficiaries and changing information on them and percentage amount. I have called them numerous times trying to get this fixed and asking them not to do this. No Bank or bank employee should be allowed to change and delete Beneficiaries on any persons account this is simply a very dangerous situation. After numerous conversations with them and me even putting them back myself they still keep deleting them. THIS IS NOT ACCEPTABLE AT ALL. I am copying the latest deletion EVEN THOUGH I have updated it myself you have deleted again Current beneficiaries Add a beneficiary NamePercentageVerifiedAction XXXX XXXX XXXX % Yes XXXX XXXX XXXX % Yes XXXX XXXX XXXX No. These are my XXXX XXXX and I want these folks either to fix their problems, and never be allowed to change a beneficiary again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
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/2019 : I received correspondence that XXXX had ceased operations. They defaulted on providing a service in the form of a hotel reservation at XXXX XXXX in XXXX XXXX for {$260.00}. I called the hotel to confirm if a reservation under my name, XXXX XXXX, existed for XX/XX/XXXX, which they confirmed did not exist. Attempts to reach XXXX went unanswered. Over the next week, I sent a written correspondence to Barclays Customer Service to dispute and cancel the {$260.00} transaction at XXXX because the service provider defaulted on providing the hotel reservation service and ceased to exist. On XX/XX/2019 : I followed up with Barclays Customer Service ( BCS ) on the correspondence and the status of the disputed charge. Barclays Customer Service referred me to the dispute department, which I immediately called. Barclays Dispute Department told me that the dispute had been declined, but that I had the option of paper mailing them additional details. I was dissatisfied with this because I had already mailed them the information with the email from XXXX. I contacted BCS again to no avail. Please see attached correspondences for additional details. Barclays Dispute Department substantiated that they could not go through with the dispute because the transaction involved a third party. On XX/XX/2019 : I emailed XXXX XXXX, a Sr. Manager of customer experience ( information posted on XXXX ) in a written letter expressing my dissatisfaction with the customer service experience and brought up Barclay 's Chargeback protection policy as a potentially valid means to resolve this dispute. Please see attached letter for additional details. On XX/XX/2019 : I received a call from Barclays phone number XXXX from a person claiming to be a manager in the dispute department. I reiterated Barclay 's Chargeback protection policy in order to resolve the dispute, however the manager stated that the Chargeback protection was still not valid for this case. Shortly after, the call got dropped. At this point, I firmly believe that Barclay 's Chargeback protection is valid for this transaction due to the following reasons : 1 ) The purchase was made using their credit card 2 ) The services were not provided by the vendor. 3 ) I am within the 120 day time limit. I cite the Barclay 's website on Chargeback protection : https : //www.barclaycard.co.uk/XXXX And also cite the example of " XXXX '' and how it relates to my case. I believe I have made every effort to act in good faith and be communicative in trying to resolve this dispute. Please see attached documents for all logged correspondences and details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I believe that I was treated unfairly by the credit card company. I had held the card for over twenty years and paid my full balance on time. However, on XX/XX/XXXX I signed up for paperless statements for my XXXX/Barkley Credit Card. I did not use that card regularly so I hadnt noticed that I hadnt received an electronic bill for a {$6.00} car wash that I made on XX/XX/XXXX. The emails must have gone into my junk mail. I also never saw any notices about late fees. It wasnt until after they closed my account, because of a {$6.00} charge, that I received a notice in the postal mail on XX/XX/XXXX. I dont think it was fair that they didnt give me a warning by mail. Since, I had just signed up for paperless and never responded to emails it seems like that would be protocol to have reached out to me by postal mail for phone. I contacted Barkley the day I received the notice in the mail that my account had been closed. I immediately paid the balance. The woman on the phone was able to forgive most the late fees and interest because she said I had been a loyal customer. She also told me that she was aware that XXXX statements had gone into other peoples junk mail. At the time I had no idea how it was going to affect my credit score that had been XXXX and in the 800s for years. This one {$6.00} incident caused it to drop to XXXX. It hasnt gone much higher since then. I contacted XXXX by mail and I asked them to adjust what they had reported to the credit agencies especially since the bill had been paid and that I had always paid my bills on time. They sent me a letter that said they could not adjust my account to eliminate the problem to my credit score. They stated it would create an inaccurate representation of your account. But this reporting causing this dropped score is what does not correctly represent my credit history. They never sent me a hard copy in the mail before shutting my account. I have a XXXX XXXX that I have a monthly balance of at least {$1200.00} that gets paid immediately and I never carry a balance. But a missed {$6.00} bill dropped my FICO score over 100 points. That is not a fair representation of my credit. I also contacted the three credit bureaus. The responses were hard to read but it appears that XXXX XXXX reply dated XX/XX/XXXX told me the information does not currently appear on my credit report. It looks like XXXX on XX/XX/XXXX also said it wasnt reported on their credit file. I did not receive a response from XXXX, but was so frustrated I dropped it. However, since then my car insurance went up because of my lowered score. Furthermore, in XXXX when I bought a new car I qualified for 0 % interest, I recently traded in that car and my new car loan is 6 %. So realizing the devastating effect the inaccurate portrayal of my financial situation and credit history is taking, I have continued to ask people what to do and someone recently encouraged me to reach out to the federal Consume Financial Protection Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2019, I made a payment to my Wyndham Rewards credit card ( issued by Barclays US ). The payment was immediately posted to my credit card account and then removed from my credit card account with an explanation that my checking account that I used to make the payment was " closed ''. This is incorrect. The checking account that I used to make the payment is open, remains open to this day and has been used repeatedly to make payments to other credit card companies. On XX/XX/2019, that very same payment was removed from my checking account. I have tried to address this issue with Barclays through their website 's secure messaging system, by phone, and in writing. As of this date, I have only received acknowledgment of my correspondence and no indication of how or when this issue will be resolved. Meanwhile, Barclay 's is charging me late fees and interest on late fees because I have, so far, refused to duplicate that payment from XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 976XX
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a hard inquiry opened XX/XX/2018, I am not aware of an account being opened at that time. This hard inquiry is for Brclysbankde. I already tried contacted them by phone and sent them a letter ; noting was done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95380
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX XXXX ( XXXX ) markets a XXXX through Barclays Bank that advertises free checked baggage. There are multiple restrictions and loopholes that effectively voids this benefit. Ive tried to resolve this issue with XXXX and they refer to the fine print. XXXX & Barclays fraudulently advertise a benefit that is not available except under very specific conditions resulting in consumer fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-05
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 did a balance transfer and paid {$3400.00} in full and now there trying to charge an additional {$120.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01602
Submitted Via: Web
Date Sent: 2019-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I'm looking to purchase a new home. I checked my CBR and there was a Barclays XXXX XXXX Credit Card on file. I called Barclay 's and told them this was fraudulent. They told me that I had to, in writing, send them a letter requesting validation of the debt. I sent the letter and it was received by them on XX/XX/2019. In that letter, I stated the account was fraudulent - I never opened it. I provided my SSN, address where they could send VOD documentation, etc. I never heard back from them again until I called them almost two months later. On XX/XX/2019 I called again and spoke to XXXX at XXXX XXXX. She validated that my request for VOD was received but no work was done on it. She told me they'd respond back with the VOD. I received a letter dated XX/XX/2019 stating that they completed a fraud investigation and found that, " ... the charges were made by you or someone who had authority to use your account. '' They did not provide any validation of debt information - to this date, I've received nothing. As such, I want this removed from my credit bureau and I still want the validation of debt information to get a better understanding of who might have done this. By the way, I've never received such a nasty and unprofessional letter from a business in my entire life. They didn't even bother to ask me for a fraud affidavit to help with their investigation, so I question the validity of their " investigation. '' They have failed to provide me with the documentation that I've asked for. Per the FDCPA, they're required to do so in a timely manner and have not done so. Please help. This is not my account. I was hoping to get the VOD before filing a fraud affidavit, but Barclays didn't even bother to respond back. They only responded back when I initiated the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A