Date Received: 2019-09-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: For 3 years I paid {$89.00} /year to accumulate points using a XXXX XXXX and Barclay 's Bank and Master Card account. They opened 2 accounts in my name and said I could not use any points from 3 trips each year to XXXX until I merged both accounts, which I tried over and over to do. I even paid the " one free checked bag per flight '' {$25.00} fee for {$150.00}. Lately, XXXX XXXX has said I never used their mileage card to purchase the 3 round trip tickets. I looked in boxes full of old paperwork, and looked. Then XXXX XXXX sent me this mileage expiring trade offer! I think this PROVES I did use XXXX XXXX mileage card those 3 years and 3 trips to XXXX. XXXX, a financial institution lied, who would have thunk!?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card balance transfer checks were stolen and then used without my authorization. I do not know who used it and how they got my checks. The check was deposited into a Trucking company account that I do not know and can not locate that company either. My credit card company is now asking me to pay for this fraudulent transaction. Please help me as I did not use this check and did not authorize it either. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XX/XX/2019 the balance on my Barclay 's credit card account was {$0.00} however a bank error resulted in charging a minimum interest payment of {$.00} each month. I became aware of this charge and contacted customer service on XX/XX/XXXX. After spending a long time on the phone the agent confirmed that this interest payment is due to a bank error and that steps would be taken to remove any interest fees from my account, reinstate the account, and inform the credit bureau reporting companies. As of XX/XX/XXXX, there is no evidence of Barclay 's making any of these fixes. This is damaging to my otherwise impeccable credit history and is causing me great anxiety. Please advise on what steps can be taken to have this corrected by Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Credit Card Company : Barclaycard XX/XX/2019 I cleaned out my apartment, throwing away a bunch of junk / clutter. XX/XX/2019 I received a fraud alert around XXXX that my Barclaycard Credit Card had been used at a local XXXX. The fraud transactions totaled to {$130.00}. I called Barclaycard and confirmed that the transaction was NOT made by me. At the time, I believed that the physical credit card was safe at my home and I told this information to Barclaycard. Later that day I realized that the card was actually missing -- it was likely thrown out by accident from the day before. I did not update Barclaycard with this information as I believed that all I needed to do was confirm that the charges weren't made by me ( which I had done earlier that morning ). XX/XX/2019 I received a letter in the mail from Barclaycard -- they determined that the transaction was " valid '' and therefore the balance of {$130.00} were to remain. XX/XX/2019 I called Barclaycard at their fraud services line ( XXXX ) to dispute their decision to mark the fraudulent transactions as valid. They said that because the physical card was used, and that I didn't declare it stolen, so they decided not to consider it fraud. They said the only way to further dispute is to send a letter with documentation proving that the charges weren't made by me ( I don't know how to prove this with documentation ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Agent from the company ( Barclaycard US ) provided incorrect information and improperly set up automatic draft payments which lead to late payment balance even though payment where completed as agreed. Company reported late payment to credit bureaus, recognizes that the agent made a mistake in the arrangement, however refuses correct negative reports to credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 1. made a electronic payment thru my bank XX/XX/XXXX for {$120.00} 2. The account # that I sent the payment to had been closed in XX/XX/XXXX and sold to another bank. 3. Contacted current account and explained situation, they directed me to the bank I made payment to 4. That bank said the account is closed and directed me to my financial institution I use to reverse the payment 5. The financial Institution tried 3 times and all were declined by the receiving bank. 6. Contacted the bank again and they said the process is to contact the bank that now holds my credit card to start an investigation. He assured me this was the process 7. Called the current bank to start the investigation and he said he would but he could see no way to get the money from the receiving bank and again directed me back to the first bank. He did however, start a case. Am to receive a letter in the mail. 8. I have been going back and forth with these 2 banks since XX/XX/XXXX my first initial inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88220
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
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: Around XXXX on XX/XX/2019 around XXXX XXXX XXXX XXXX, MA XXXX, I crashed and totaled my car. I called around to see which towing company could tow my car home so I could deal with both the car and insurance in the morning. Only Road Assist " XXXX XXXX '' picked up. They asked me to sign a document and pay ahead of the service and that once payment was confirmed, I could go home and wake up with the car in front of my house. Unfortunately, upon waking up at XXXX, my car was nowhere to be found.I called them to ask them where my car was. Turns out, this is a third-party towing company ( or even a fake onee ) with zero towing trucks of their own. They have since closed down their business/their phone number is filled to the brim with voicemails. They make money by having desperate people call them and then calling actual towing companies to tow callers ' car and taking a portion of the payment, which is why they ask for payment upfront. ow do I know that? Because the man that they sent to tow my car couldnt find my car and called me. I asked him what company he worked for and why he came to the site at around XXXX, when I had asked for my car to towed at XXXX. He replied that he had gotten the call from Roadside Assistance at around XXXX, strangely around the time I called them in the morning asking where my car was and not when I called them initially to have my car towed. I believe his man is probably the one that signed the receipts at XXXX with the XXXX ( check? ) signature that they are touting as me signing the receipt and paid without any issues. Even if I ever wanted to sign a quick signature, itd be at the least the XXXX portion of my signature and not a XXXX. I XXXX to where my car was crashed at around XXXX after hearing that the man they sent couldnt find my car and in fact, couldnt find the car. I spent the next 2 hours trying to find out where my totaled car had gone, calling multiple police lines and different towing companies. It turns out police had towed my car at XXXX to XXXX XXXX yard. I had to then go there, sign, and then pay both the tow to the yard and to have my car towed to the garage to be inspected. I have attached the receipts. So not only did this company not even attempt to tow my car in the morning when I called, the person they called arrived so late that they were 5-6 hours past my car being towed. I call the merchant politely asking for a rightful refund, as I had not received the services they had promised, and at this point I was on track to pay 3 different towing expenditures, one of which had not even seen or touched my car. They asked for a {$100.00} fee for their time and having sent out a man to the site. They did in fact send a man, yes, I wont deny that. But they sent the person 5-6 hours after my car got towed and then did not do anything. Is that my fault that I have to pay for their negligence and lousy work? At this point, I opened up a dispute case with my credit card company, Barclays US, who unfortunately had just as much negligence on their part handling this case. After getting off the phone with Barclays, they said they would handle it. I did not hear from them until 3 months later, XX/XX/XXXX saying that they had decided in the merchant 's favor. Not once did Barclays US ever communicate to me, by mail, phone, or email asking me for my evidence. Our only interaction was late XXXX when I opened up a dispute on the transaction. The XX/XX/XXXX letter, dated XX/XX/XXXX, said I had 10 days to reply with my counter evidence to the merchant 's " evidence. '' I've since have been trying to get Barclays to reopen the dispute but they refuse to since I replied " too late. '' The merchant sent in forged signatures and a " job completed '' screenshot of their logs. I received a service call from Mr. XXXX XXXX, arrived at his location and provided him with the price and scope of the service prior to starting. He agreed to our terms of service and authorized the work, I completed the job to the customers satisfaction and he signed the attached receipt and paid without any issues. Yes. He did indeed receive a service call from me, Mr. XXXX XXXX. This proves that he never once saw my credit card in person nor me in person as we only had contact over the phone and he had misheard my name. No, he did not arrive at my location and provide me with a price. He told me the price over the phone and that I had to pay online prior to him getting a person out to my location. No, he did not actually come out in the end, he hired another towing company to do so the next morning. He did not complete the job as my car did not end up in front of my house. I did not sign the attached receipt because I was never there at XXXX. I had come only after the man they sent couldnt find my car and went home. The only person that signed that receipt was probably the towing company they had hired. I was asked to pay PRIOR to starting, simply look at the time when the credit card was charged. Also paid without any issues? I contacted him with many issues after the job was complete. This company must be withholding the multiple phone calls I had asking where my car was, asking if they could cancel their lousy service, and asking if they could cancel the charge because they didnt even touch my car and that it had been towed by police. He did not attempt to call me of recent. In fact, they were rude when I originally had called for a refund before the dispute. A copy of a job complete from their very own system? Of course, theyre going to mark it off as complete and not incomplete. It is absurdly biased evidence. Also note that they admit that I called at XXXX and they completed their job at XXXX. Really? 8 hours later? My car got towed at XXXX. The fact that my car ended up at XXXX XXXX in XXXX XXXX is enough proof that this company never touched my car. There would be no chance that I would purposefully tow my car to XXXX XXXX yard, to tow it back home only to dispute my charge with this company. I wish there was a way to have these indecent people punished. I should honestly be taking {$200.00} from them instead of them trying to. They have intentionally fabricated fraudulent evidence in a shameless attempt to deprive me of my funds and honestly should be prosecuted in one way or another. Please see attached copies of my signature and copies of the receipts of my car actually being towed by XXXX XXXX at XXXX. The Merchant claims my car was towed at XXXX. I have been scammed by this lousy " towing company '' and Barclays US has been a negligent bank that won't stand up for its customer. I have asked Barclays to reopen my case 3 separate times but they have insisted that I have replied too late. Simply said, they sent a letter dated XX/XX/XXXX, after allowing the merchant to respond, I received it XX/XX/XXXX and replied XX/XX/XXXX, but Barclays just insists that I replied too late. I never had a chance to present my evidence or case and feel I have been unfairly scammed by two different companies. I have asked for certain documents from Barclays US but while they insist theyve sent it, its been months since. If you could, please ask Barclays US for the merchant 's " evidence. '' and compare their times, dates, receipts, and signatures to what I have attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/19 and XX/XX/19, I was charged return payment fees of {$27.00} each for attempting to pay off my balance through what I thought was my bank account. After talking to customer service, it was a random XXXX XXXX XXXX XXXX account that was connected to my XXXX Visa Barclays Card account in addition to my regular bank account. They removed the account but did not refund the return payment fees nor provide an explanation of how the XXXX account was on my account. On XX/XX/19, I call again about this issue and they refunded my return payment fees, but no explanation regarding the random XXXX account. During the same phone call, I get transferred to credit services to inquire about a credit line increase. I ask for a credit line increase from {$500.00} to {$2000.00} per month. The customer service agent does a hard pull on my credit which I consented to, asks for my income, and rejects me because of a brand new return payment fee that he says is on XX/XX/19 ( which is in the future! ) on my XXXX Visa Barclays card account. He transfers me to someone else whom I can ask questions to about this fee, but this new agent does not see that return payment fee on my account. I do not see it on my account or any of my other credit card accounts either. I call once more and the new customer service agent also does not see this on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
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 received a call today XXXX, regarding an Issue going back until XXXX. I was advised to call back XXXX, and reference case number XXXX. First rep was rude, no help and hung up on me while waiting for a supervisor. Called back explained everything to XXXX, she could not help. Was transferred to XXXX employee id XXXX, she did not know anything. I asked about the XXXX charge that is disputed on the statement that the company can not explain. XXXX told me she could not help and it was valid charge, although her nor anyone at Barclays could tell me why. She said she has no boss, and answers to know one. Really? No boss? I guess there is not an office of the president, CEO, board members etc ... ... .. THIS COMPANY IS ACTING FRAUDULENT AND ADVISING ME TO PAY SOMETHING NO ONE CAN ADVISE TO, OR SHOW A PAPER TRAIL WHY IT IS DUE???????????????????????????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A