Date Received: 2019-08-21
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I own a Barclays XXXX card with XXXX rewards in 2018 I've been outside the United States and when I came back the balance on my card was very high I requested for statements and during the process of going through the statements I found a charge of {$600.00} balance transfer for XXXX XXXX you can request and I will provide the Consumer Financial Protection Bureau that I do not have any XXXX XXXX card so this balance transfer was obviously unauthorised I contacted Barclays Bank and they very rudely denied this offer by saying you have another balance transfer on the same date what a lie this company has been giving out it should be red flag attached is my statement and you can see that the other balance transfer was one month apart not the same day please help me get rid of this unauthorized charge which day are pretty much trying to get from me in an extortion manner
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked and appalled when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am looking at my XXXX XXXX to make sure everything accurate XXXX is reporting on XX/XX/2019 I made a hard inquiry with Brclysbankde. I did not make this Inquiry and I believe it to be fraud. This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX If there is any proof or video of me walking into this bank and requesting any credit card or signing something I'd be more than happy to see it. But I am 100 % sure I did not do this. I currently already have a barclays credit card and am very happy with that. Just want to fix this inaccurate information. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've contacted XXXX several times in the major fraud division and also they have a police report on file . Have several inquires on my report that are not mine and did not apply for credit . I contacted the creditors directly and they said you have a police report on file with XXXX please tell them to remove them by the police report . Transition states no they will not .1. XXXX XXXX XXXX XXXX (2) inquires 2. Barclay Bank (2) inquires 3. XXXX XXXX (1)4. XXXX (1)
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: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Had credit card with Barclay (Juniper) Bank. Fell behind on payments in XX/XX/XXXX. My account was sent to attorney for collection. In XX/XX/XXXX, a payment arrangement was made for XXXX per month. I have made 23 monthly payments on time, every month. However, Barclay is reporting to XXXX that my account was charged off and every month they are reporting "Failed to Pay". In XX/XX/XXXX, I filed a dispute with XXXX in which Barclay's declared their reporting was correct.On XX/XX/XXXX, I contacted attorney's office and confirmed that all 23 payments have been received and forwarded to Barclay's. I was told to contact Barclay directly to fix credit reporting error. I spoke with XXXX from Barclay and was told they would not remove the Failed to Pay because that was the standing my account was in before it went to the attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2019 I went to make a reservation at the XXXX XXXX XXXX XXXX, South Dakota hotel for four nights, XXXX XXXX. As I was making the reservation on the website a $XXXX discount promotion was offered if I opened up a Barclay's Wyndham Visa Credit Card. The webpage even showed the subtracting the $XXXX from my total for the reservation: $XXXX- $XXXX= $XXXX. So I jumped on it and was approved. When I received the approval email came later that XXXX XXXX day, nothing was mentioned about the $XXXX promotion or any promotion for that matter. Right after I checked out using the Barclay's Wyndham credit card, I contacted Barclay's to inquire about the $XXXX promotional discount. The woman at first said it was only a $XXXX credit promotion then she looked on the XXXX XXXX website and said, "I found it." Just as I said, "Ok great" she put me on hold for quite a few minutes. Then she came back on and said it was now "only for $XXXX." I told her that was unacceptable. Fortunately, the call was recorded on her end. I received a generic letter from Barclay's on XX/XX/2019 that did not even address the issue and said if I have any concerns to contact Barclay's. On my first statement, I was only given a $XXXX credit. I called two more times to complain about not getting the $XXXX promotional discount and the customer service is in the XXXX. I don't appreciate the "bait and switch" tactics. I never heard of nor read or saw a $XXXX promotion. Every time I call Barclay's they want "proof" of the $XXXX discount promotion but they don't provide proof of the $XXXX promo in their email to me or their website. Knowing what I know now I should have taken a photo of the screen when I applied for the Barclay's Wyndham credit card. I would have never applied for another credit card for just a $XXXX promo. I have three major credit cards and several store credit cards. I don't need more credit cards. I just took out a consolidation loan to pay off my credit card debt. I maintain Barclay's pulled a "bait and switch" promotion. They should be held accountable and fined accordingly and I should get the full $XXXX off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
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: This is a dispute from XXXX XXXX against Barclay's for Barclay's refusal to assist in the fraudulent purchases on Ms. XXXX account and Barclay's non-response to Ms. XXXX request for documentation on the account.Ms. XXXX has no record of opening an account or being in possession of this account before charges were made by claimed authorized user, XXXX XXXX. She did not make payments towards the account or hold any documents towards the account. Once notified of the accounts existence, she promptly filed a police report and a fraud dispute with Barclay's. This dispute was denied. Ms. XXXX sent a request for documentation on the account on XX/XX/18 requesting any documentation that would show that she was notified of the account, including billing statements, payment records, how the account was opened, etc. It has been over 30 days, and Barclay's has not responded to this request. Creditor's failure to respond to a consumer's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2018 I transfered a balance from a XXXX card ending in XXXX to a Barclay card ending in XXXX. I messed up putting the correct card number of the XXXX card, when transferring from XXXX to Barclay. I called Barclay, they told me to file a claim. I did. A week later the balance showed up on the Barclay card, and was zeroed out on the XXXX card. Problem solved, Right? NO! 3 months later, this week in the middle of XX/XX/XXXX, Barclay apparently decides the appropriate response to the claim I filed is to return the balance transfer to XXXX, and now that balance is in limbo, because XXXX returned it to Barclay, BUT Barclay is refusing to do another balance transfer.I want this issue FIXED IMMEDIATELY! AND the $XXXX balance transfer fee paid back to me in full by check in mail SINCE YOU ARE REFUSING TO DO A BALANCE TRANSFER!!!
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: 2019-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For the statement ending XX/XX/2019, the balance transfer/check promotion row in the " Interest Charge Calculation '' showed the balance of $ xx and an APR of 0 %. In the section below about " AVOIDING INTEREST ON PURCHASES ( GRACE PERIOD ) '', it said the following : 1 ) If you have a 0 % promotional APR on all of your Purchase balances, you can avoid paying interest on those balances during the applicable promotional period. However, pay at least your Minimum Payment Due to avoid a late fee. 2 ) If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying $ xx ( this amount includes any Minimum Payment Due required to avoid a late fee ). Then, the next month, I received an interest charge of $ yy, even though the previous statement said that the balance of $ xx had a 0 % APR rate. I tried to explain to this to Barclays on the phone, but they refused to acknowledge that their statement ending XX/XX/2019 incorrectly represented the APR on the balance. They also refused to take any responsibility because the prior statement ending XX/XX/2019 explained that interest would start accruing on XX/XX/2019, even though their XX/XX/XXXX statement said the opposite. Based on the XX/XX/2019 statement, there was no way of knowing I would be accruing interest in XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94114
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have an XXXX Mastercard through Barclays Bank Deleware. This card has Trip Delay benefits as advertised. A flight that I booked entirely with this credit card was delayed and caused my trip to be delayed by approximately 24 hours. This trip was booked with my credit card for my mother. During this delay, my mom stayed in a hotel for one night which I paid for while expecting the Trip Delay coverage to reimburse me for these expenses. I filled out the necessary paperwork to file a trip delay claim ( See attached items ) and was told I would receive a response within 7 business days. Not only did I not receive a response within 7 business days, but I needed to call repeatedly after this period to prompt action from the company ( I provided all necessary documents on XX/XX/XXXX and did not receive a response until XX/XX/XXXX ). When I received the response, I was shocked to see my claim was denied due to the legal wording of how Barclays defines what is a " trip. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22901
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A