Date Received: 2019-09-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: As I was working on my taxes ( XX/XX/2019 ), I identified multiple charges that I did not authorize from a company called XXXX XXXX XXXX, XXXX NY. Since I was not familiar with this company, I contacted XXXX ( Barclay ) to inquire. On my first call, I asked XXXX ( Barclay ) for contact information for this company, as I could not find an online presence for this company ( they never provided it ). When I reviewed my bills further, I identified a total of 7 charges on two statements for a total of {$4700.00}. This prompted the second call to XXXX to identify it as fraud. Please note some charges were executed on the same day. I was informed by customer service to circle the charges on my statement and fax the statements to the company. This was done promptly. When I called back in about two weeks, I was told they did not have the statements and to refax to a different fax number at the company. I promptly did this as well. When I called to follow up, I was told that my claim was denied. No reason was given. I was told a letter was sent informing me of the denial. I never received a denial letter from XXXX. This is one of multiple occurrences of unethical and unbussinesslike conduct by the bank that I've experienced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Though there was a $ XXXX/yr membership fee for the Barclays XXXX XXXX credit card, Barclays promised a one-time XXXX bonus miles if you spend {$2000.00} on the card within 90 days of having the card. I spent {$2000.00} within 90 days of account approval ( " XX/XX/2019 to XX/XX/2019 '' ), but I didn't get the bonus miles. When I enquired, Barclays said their account opening date was when you submitted the application form, " XX/XX/XXXX '', not the date when you were approved to use the credit card account, " XX/XX/XXXX. If the date to be considered is less than XX/XX/XXXX, I would be a few dollars short for qualifying for the XXXX bonus miles. For consideration, I reported to Barclays that I was unable to use the credit card for about 30 days of the 90 days period because the chip on the Barclay 's credit card stopped working in XXXX. As I was traveling, I did not received the replacement card till a month later ( end of XXXX ). The faulty credit card was refused by the various merchants because it was a " chip card '' ; the merchants refused to manually enter the credit card details. I ended up using a XXXX credit card during this time period. Barclays rejected the request to extend the date count for usage handicap period. I then tried to cancel the card and get a partial refund of the membership fee ; especially since Barclays was quibbling on the dates in order not to grant the bonus miles. Barclays refused to refund the membership fee. Would you be able to help me investigate their account policy in relation to these bonus miles? Barclays should not count dates when you're unable to use their credit card. If Barclays does not honor their advertised bonus miles, clients should be able to cancel the Barclays card and get back the membership fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays credit card account, Barclays offers a lock card feature that disables any charges from being made to your credit card when enabled. I enabled this feature on one of my Barclays credit cards on XX/XX/2019. In May there was a fraudulent charge made against my Barclays credit card that was locked. Barclays never contacted me regarding this. On XX/XX/2019 Barclays reported my account delinquent to all 3 credit bureaus, causing my credit score to drop between 80-100 points ( depending on the bureau ). I got an email notification that my score dropped and started checking all of my accounts. I finally checked my Barclays locked credit card, thinking it couldnt be this card because it is locked. Well, it was that card. Immediately I called Barclays to find out whats going on. The customer service representative I spoke to acknowledged their mistake. He couldnt determine how or why my card was charged while it was locked but admitted it was a security flaw on their end. He told me all fees would be reversed and I wasnt held liable for the fraudulent charge. He also issued a new card with new card number. A few days later I checked my account and the new credit card was now unlocked but the late fees remained. I locked the card, and then called Barclays again. After waiting on hold for over 30 minutes I spoke to another customer service representative who again apologized for the inconvenience, and reversed the late payment charges. I raised the concern that I would like these updates to be reflected on my credit report since their initial reporting was 100 % inaccurate and false and my credit score dropped significantly. She told me that if I have any account disputes that I needed to submit them to the credit bureaus. I feel this is wrong and I, the consumer, is the only one paying the price for Barclays mistake. Barclays clearly states in the lock card disclaimer that no charges can be made to this card without unlocking it or my approval, this includes fraudulent charges. Barclays clearly allowed a fraudulent charge against my credit card that was locked for 3 months prior. The fact that Barclays quickly reported my account delinquent/negative but would not take any steps in fixing their mistake is a problem for me. Ive worked very hard to improve my credit and credit score and I feel very wronged as a consumer when I didnt do anything to cause the negative impacts and Barclays takes no accountability to correct their mistake. I would like my credit score and my credit report to have these negative marks removed permanently, and I would like my credit score restored the what it was prior to the fraudulent negative remarks. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34990
Submitted Via: Web
Date Sent: 2019-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I used to have 3 credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the 3 cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. I just paid the annual fee of {$89.00} for the arrival plus card in XX/XX/19 and have XXXX awards miles which are worth approximately {$4300.00} if they are redeemed towards travel expenses, hotels, airfare, etc. I have accumulated these points over last 2 years while paying annual fee for the card and was planning to redeem them for travel expenses.I feel that Barclay Card was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points for their full value. I would like to seek your help to get back my rewards of {$4300.00} and annual fee of {$89.00} from Barclay bank, a total of {$4400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
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: Received a charge on my XXXX XXXX XXXX Mastercard sponsored by Barclays Bank, Delaware, credit card statement Period XX/XX/2019-XX/XX/2019. There was a charge with Transaction date of XX/XX/2019 and posting date of XX/XX/2019 for a transaction in XXXX Florida, XXXX XXXX. We were in New Jersey working on that date. We called the credit card company to dispute the charge on XX/XX/2019 and spoke with XXXX at XXXX, they cancelled the Credit card and put it in as a dispute. We paid the balance of the monthly bill due. We also requested a copy of the transaction showing our signature. We received a letter dated XX/XX/2019 stating " After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity ''. In the same mail we received another letter dated XX/XX/2019. The letter stated " Our research has indicated that the transaction is valid. The transaction has therefore been placed back on your account. If applicable, interest and other charges related to the disputed amount will accrue on any unpaid portion of this amount, '' You can see our confusion so we called back and spoke with XXXX, who would not give us an employee number, and were told it was from a charge on XX/XX/2019 and that they can change the Transaction date whenever they desire. We still do not have a valid copy of the charge slip and feel that this company is not going to send one. When we called the number XXXX, and spoke with XXXX they said that the Merchant can change the transaction date when they want. How can a consumer check their transactions on a credit card if the Merchant can change the dates at will. We can understand the posting date being different but not the Transaction dates. Especially making it almost 30 days later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent Barclay 's Bank a payment of {$4000.00} with 4 money orders in the amount of {$1000.00} each. They processed 3 of the 4 payments which equals {$3000.00}. {$1000.00} of it is MISSING? I was asked by the 1st Barclays rep to contact the United States Postal Service and get copies of the front and back of each money order which I did for a fee. ALL 4 money orders have been cashed by Barclays Bank via XXXX XXXX XXXX acct # XXXX. Barclay bank has my money and hasn't credited my account. This is bad business on Barclays. I have not only did my part by making my payments, but also have proven being reasonable doubt that I made the payments and that Barclay has cashed them and deposited into there XXXX XXXX Account I asked if by faxing them the copies of the cashed checks could the expedite my claim and they said NO. If we were talking about {$100.00}, okay lets wait 25 days, BUT were not. Its {$1000.00} that isn't being credited to my credit-card and i'm being charged interest on it. {$1000.00} is Grand Thief and as far as I'm concerned they stole my money. What financial institute doesn't reconcile daily? I work for a financial institute and were required to balance each day and have resolution. I want to file a Grand Thief complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a Frontier Mastercard in the last week of XX/XX/2019. I had to call after booking my flight because I was denied in the web application and I knew that was a mistake since my FICO and credit score were both very high and I always pay my bills on time. I was approved when I called and subsequently called back to make sure i was getting the advertised promotion, XXXX bonus miles after a {$500.00} spend within the first 90 days. I spoke to XXXX in the customer service department that day, who confirmed I would be getting XXXX bonus miles, he also confirmed the annual fee of {$79.00} ( which is fine ) and the {$100.00} flight voucher every year when reaching a minimum spend ... It's funny because I was also entitled to the flight voucher within 30 days but my card didn't arrive in the mail before my flight to XXXX XXXX so I basically had to forfeit my {$100.00} .... Already an annoyance but technically not fraud. The customer service agent on I spoke to about my XXXX bonus miles WHEN I OPENED MY ACCOUNT had an identifier of " XXXX '' ( named XXXX ) and I spoke to him at XXXX MST on XX/XX/XXXX via telephone. I asked if he would send me any kind of confirmation of the XXXX promotion and he said there would be no need. Great. Well, the liars and thieves at BarclayCard only gave me XXXX miles and said that was the promotion at the time I applied when I called them yesterday ( XX/XX/XXXX ). LIES. I want them to review the phone call and HONOR what I was TOLD when I called. They refused to let me speak to a supervisor yesterday, hung up on me, and then responded to my online complaint that I don't know what I am talking about. But I demand a transcript of my call with XXXX if they are not going to honor what was discussed. The current promotion is actually XXXX miles so really they're just being cheapskates by not giving me the XXXX. I was supposed to have gotten my first flight for free too ( well, {$100.00} off ... ) but I'm not even complaining about THAT since I get the card in the mail before my first flight so I'm not worried about that ( since those terms were not met ), but I am only worried about the XXXX miles being basically stolen from me and Barclays lying over and over again about it. This is so wrong and I feel so cheated and it is ILLEGAL TO DO THIS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
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 am writing to CFBP about Barclay Bank siding with the merchant about my dispute. Barclay bank expects me to pay for a scam. I have provided Barclay bank with full proof that I paid for a service that was not provided. I paid for a XXXX XXXX management program that can be paid monthly or full price. If paying full price the merchant promised to have new information released every month after the sign up date, which is the program I did and paid {$240.00} USD. I signed up for the program on XX/XX/2019 which means I should have three parts of the program already released. When I log into my account and go into My programs the page says " sorry we can not find this page. '' Please see document labeled exhibit A as proof. I do not have any access to the course at all. The merchant promised life long access on their website if the program is purchased in full. Please see document labeled exhibit B as proof ( Please note that the merchant changed the price for this program from {$240.00} to {$140.00} which is why the document shows a different amount than what I have paid. ) I did have access to the first part of the course my first month but after the first month I should have access to two parts of the course and by now I should have access to 3 parts of the course. As stated before they removed the program entirely. When I tried to contact the merchant after the first month which by then I should have access to the 2nd part of the course the merchant said I will have parts released month by month. It is now the third month and I do not have anything and the merchant stated they will not issue me a refund once started. Please see document labeled exhibit C as proof. I do not have any access to any parts of the program at all and I paid {$240.00} for nothing. Barclay bank sided with the merchant saying that the platform they provide the course on has a thirty 30 refund policy. On XX/XX/XXXX ( which is still within the thirty day period ) I contact the merchant to tell them that I did not receive the second part of the course, and the merchant purposely replied to me days later just so I am out of the refund policy. Please see document labeled exhibit D as proof. Barclay bank is not helping me at all with this issue after showing them full proof of me not receiving the service I paid for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In early XXXX, my properly set up automated credit card payment didn't process with Barclay Bank Cards. They couldn't explain why, and billed me for a late charge and a double payment of {$200.00}. I called and allowed them to take that double payment and got them to reverse the late charge. I double-checked my automated payment setup and found it not in effect, so set it up again for $ XXXX/month 5 days before due date. Today, XX/XX/XXXX, when I didn't owe any payment at all, they collected {$200.00} out of my bank account. I called, and was told that there was nothing they could do, as I had apparently authorized it ... NOT IN THE LEAST TRUE!. I also hate talking to someone in a foreign country, never able to reach a supervisor. Now I have no idea how they'll hit me again or when. I paid {$410.00} in XX/XX/XXXX for an account with a minimum payment of {$96.00}!! I want the payment reversed. They are non-responsive and ripping off their customers. My plan is to transfer the balance and close the account, but can't do so yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im a victim of fraud charges and the responsible company for this incident is BARCLAYS BANK DELAWARE Account # XXXX, date open XX/XX/2014. Around 2 years back I went to XXXX for vacations. I rented a car in XXXX XXXX. The car had an accident and the insurance paid for it but the rental company ( XXXX ) still charged my cc from Barclays Bank. I disputed with Barclays bank the incident and Barclays Bank did reverse the charge but did not removed the fraudulent related account from my reports. So Im reporting this incident to the Consumer financial protection Bureau so that Barclays Bank removes the fraud related account from all 3 reports. Im attaching police report and Federal Trade Commission reports. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A