Date Received: 2019-08-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There was a credit line increase request submitted in error on my Barclays credit card. I called Barclays bank to have it canceled and the hard inquiries removed from the 3 credit bureaus. After talking with 2 agents to try and have this request canceled, I spoke to a manager XXXX ( XXXX ) who said to submit a complaint as they can not complete this request ; he said once the hard inquiry is pulled, they can not undo it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-11
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: I made a purchase from XXXX XXXX on XX/XX/XXXX, in the full amount of {$350.00}. {$71.00} was on a gift card and {$280.00} was charged to my credit card. The order consisted of 13 items and 1 item shipped separately which I did receive but the other 12 items I have not received. The package said it was delivered on XX/XX/XXXX. The package is nowhere to be found I checked with neighbors and my spouse who I live with and no luck. I contact XXXX XXXX on XX/XX/XXXX, and was told they opened an investigation with XXXX and to wait until XX/XX/XXXX, and if the package still doesn't show up to contact them back. I contacted them back on XX/XX/XXXX, letting them know the package was still missing and was told they were still working with XXXX. I contact XXXX on XX/XX/XXXX, and was told the investigation has been completed and that they informed XXXX XXXX that the package was not located. XXXX told me I would have to contact the merchant in regards to a refund or replacement. XXXX XXXX contacts me back on XXXX XXXX denying a refund saying I have a bad order history. In XXXX I purchased an item that never arrived and they refunded me for the items and they consider that " bad order history '' something such as shipping is out of my control. They suggested I change my shipping address which is what I did with this order on XX/XX/XXXX, since I had a problem with them last year. They have since refused to replace or refund my items and they have been ignoring all of my emails and refuse to let me speak with a supervisor or manager. I reached out to my bank Barclay card and opened a dispute however they denied the dispute and can not even provide me with reason. I'm frustrated and at this point may even close my account with this bank once I pay off my balance. I was charged for merchandise I have still yet to receive and my bank which I been with since XXXX and a company I shopped with for years have no care in the world.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2019-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I received my Barclay 's Arrival + credit card. I activated it on the same day. I was never notified about the acceptance of the card and so I never knew when was the card accepted. The terms and conditions on the account say that 90 days from account start I need to make payments of {$5000.00} to receive 70000 bonus miles. However, I come to know now that my account started to XX/XX/XXXX ( and I received my card on XX/XX/XXXX ) and so the 90 days complete one XX/XX/XXXX. The start date of the account is shown nowhere, nor in the application, nor on the website in my account. The company guys are verbally telling me that my account opened onXX/XX/XXXX but have no proof of that. when I call they simply are not ready to listen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry was placed on my XXXX Report by XXXX XXXX on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove. Inquiry was placed on my XXXX Report by Barclay Bank of Delaware on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: wed the XX/XX/XXXXi go to use my card the chip clearly is not working as 2 stores cant get it thru wasting my time. this is card ending XXXX i get rid of card and after waiting on hold way too long order a new one.i then notice online its not showing i called today just now this is MY TIME. all this due to bank problems as this was not my first card with chip issues. i call today and XXXX spent time looking at my XXXX XXXX card not my XXXX. as i requested and entered into the ssytem i want a new account i want not to waste my time this fiasco has wasted my time please check i have a new card and its expedited and no more chip issues sorry to use this system but my time matters even if the bank does not agree or care no calls please just reissue my card without costing me more time and XXXX due to your problems. you want your money every month but dont see my time as valuable as such i will use this card minimally due to time its cost me and lack of trust
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I lost my job and was laid off and at the mean time going through divorce. I did not have a job for 7 months and right now working part time and barley cover anything but to survive a place to live under the roof. I have made an effort to put all my creditors to XXXX XXXX XXXX and pay monthly to debit relief and now I am being sued by XXXX XXXX Attorney at Law with XXXX credit card and saying they will garnished my paycheck.. I do not think its right since I am making an effort by going through Debt Relief program that's the only options I can do and limit amount I can afford to pay it off Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX of 2018 I was in XXXX XXXX went to a time share presentation. Gave my information with the understanding it was to be used to pull a credit report and tell me interest rates I qualify for ... gave them my debit card to sign up and try a couple night stay. Decided against a member ship was told my debit card would be reimbursed because it was within the termination period ... never received the reimbursement on my debit card, and found that they used my credit info to open a credit card weeks later when I received a credit card in the mail I called and explained I didn't want a credit card when I gave that information to XXXX. They tried to tell me I could utilize the card anywhere but I explained I had no need/want for additional credit cards. As I had about 8/9k in my checking a XXXX credit card and a XXXX line of credit at my bank and credit card for my major purchases at XXXX 's that I only use for interest free financing. It's been over a year and I have not been able to do anything about this my credit score was XXXX and this has dropped my score to the 690 's and this account has caused delays and difficulties in financings other projects ... I'm not sure what I can do ... but I don't think it is right that a company can get away with this and just expect you to pay for charges that should never been on the card in the first place, or even opened for that matter. It's only $ 790ish ( {$500.00} originally ) but on the principle of the matter I'm not going to pay them as I'm sure they do this because most of the time it works. I paid off my car that cost XXXX in about a year, as well as just paid off my other car that was XXXX I purchased in 2018, pay my entire balance on my XXXX cc every month if I use it. As well as pay all my other accounts off before the free interest expires ... if I had knowingly opened this account and made changes to it I would have paid it ... but in this case I'm lost as what further to do ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My XXXX reward card with Barclays is being unfair with my credit report I have communicate with them on so many different levels but nothing was done
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My XXXX I have had for 3 plus years and have never ever ever missed a payment and always paid in time. I have never asked for extensions and I always pay a little more than minimum due. My credit limit was {$8900.00}, which I have never been close to reaching and Barclaycard automatically went ahead and dropped it to {$6100.00}. Now they have hurt my credit report by showing my credit usage has gone extremely up and I feel that is very shady and uncalled for being that I am a long term customer and have been loyal and paid my bill on time every single month. Now my credit report is affected. I have no unpaid debts, EVERY SINGLE one of my credit cards or store cards are paid on every single month. I have a very steady job no gaps in that, no bankruptcy, no payday loans, no outstanding doctor bills even and this company does this to me. I feel this is very very wrong and at the least they should move it back to the {$8900.00} as they are causing harm to my credit report. I have reached out to them and got no response, I would like this fixed. I have attached my information from my credit report showing I am in very good standing with this company AND even shows I have never been late and pay my bills. Once this is reported in XXXX by Barclaycard they will have done major impact to my credit report and score and that is not right at all. I am at no risk not paying my bills and never have. My own bank account is never in the negative either!! This is not right at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To Consumer Financial Protection Bureau We timely paid our credit card company, Barclay Card, Yet they showed a balance unpaid of {$8300.00} and subjected us to charges for late fee and interest. We phoned. After 20 minutes with a " supervisor '' he told us it would take several weeks to resolve. I told him I had proof from our bank that it was paid to the credit of Barclay Card timely, and asked him where could I email that evidence. He refused to give me any email or regular mail address to send that. I wrote the below letter to people at Barclay Card whose addresses we found on the internet. No one replied. We eventually got an email statement informing us that the past due balance was paid, but not as of the date our bank showed it paid and Barclay wants to charge us interest and a late fee. It's not that we can't afford the fee, it's that it's wrong and there is no way to get redress. I am a semi-retired lawyer and I wrote to 4 executives at Barclay Card whose email addresses we found on line. No one answered. I have re-written them. If I can't get relief I can only imagine what someone with less resources in handling controversies will have. No success. So, maybe this type of problem with the " too big to care '' credit card companies is something you can help with. Helping me will help others who experience the same treatment from another " too big to fail '' financial institution. Below is the letter I sent to Barclay Card after the fruitless telephone call described above. XXXX Direct Dial : XXXX Mail Address XXXX XXXX XXXX. # XXXX XXXX, TX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX. Associate General Counsel Barclay Card XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Unacceptable Delay In Problem Resolution Account ending in XXXX Dear XXXX and colleagues, I am so terribly sorry to trouble you but Barclay Cards problem resolution procedure leaves one quite unable to get reasonably prompt relief and thus with a terrible taste in ones mouth. I received a statement showing a previous balance of {$8300.00} and that it was past due, despite having paid that amount on time and having a copy of the cancelled check from my online bank account with XXXX XXXX XXXX XXXX, showing that the funds were deposited to Barclays credit, via XXXX XXXX XXXX. The endorsement reads, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Absence of Endorsement Guaranteed Barclays XXXX The exact same form of payment and deposit method the prior month, using the exact same on-line payment from my XXXX XXXX XXXX XXXX was however credited to my Barclay Card account. Why it worked month after month and now it failed is not my problem, but the person I spoke with at Barclay Card made it MY problem. When I called Barclay Card I asked for supervisor. I asked him if I could simply email a copy of the cancelled checks. He told me no. He then took all the information over the phone ( I had to repeat it several times ) and he told me it might be three weeks before I might hear back. In the meantime my credit limit would be capped because of this error at Barclay and his inability to find a solution. It is not that I am impatient. However, I work and travel and use my credit card for both. By the time this letter reaches anyone I will likely be in Colorado on business and it is likely that I will be inconvenienced by the fact that Barclay Card offshores your customer service to people overseas who have no sense of urgency and or who are not empowered to solve the problems that your customers experience. So, if there is someone who will accept an email with a copy of my credit card statement, a copy of the cancelled check that shows Barclay timely had the {$8300.00} and the prior payment of {$5000.00} and can get this resolved quickly, I would be quite grateful. Very Truly Yours, XXXX XXXX XXXX Cc : Assistant Vice President / Sr. Manager, Customer Experience XXXX XXXX XXXX Cards & Payments Global Business Manager XXXX XXXX XXXX Chief Operating Officer XXXX XXXX XXXX Chief Executive Officer, cards and payments XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A