Date Received: 2019-07-16
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Started 2 applications with Barclays Bank on XX/XX/19 as I really wanted the benefits of the XXXX and XXXX XXXX XXXX cards. After a few weeks they requested me to send some information. And there are other several information requests after that which I complied with all of them. I charge well over {$100000.00} a month on my company cards and you would think a company would want the business. If they didnt want the business they shouldnt drag the process along after I sent in tax returns credit card statements etc. I was really upset today after they stated my Social Security card was not clear after I sent it in twice and I used inappropriate language and feel bad about that. However after four months the process has gotten really frustrating and its not worth me giving them my business at this point. If the required information for approval it should have been once or twice not multiple times and many of the times I wasnt informed that they needed additional information at times until I called them. The XXXX application # is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: barclays bank has been paid and the account should be in the process to a settlement.they said it is under investigation and there has been no results?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Barclays Aadvantage Card offers a list of BENEFITS on their website including Flight Cents which rounds up miles earned. But it is NOT a BENEFIT, it's a SALES of Miles program that charges the card holder. So Surprise -- - my statement showed a Fee. I turned off this program on their website but was charged again. The customer service people refuse to turn it off, saying it must be done on the website. They will not Turn this FEE off and will not reverse the charges and will not provide a contact phone number to speak with anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I contacted Barclays Visa regarding transactions on my credit card statement. Barclay offered transfer balances/promotional checks interest free through specified dates. I availed myself of those " convenience checks '' and used them since there the interest rate is 0 % through specified dates. Upon reviewing the schedule of convenience checks which were used, I learned from the credit card company of how they post the payments which are made to the account. The complaint that I am filing due to the fact that the methodology used to apply the consumer payments is an abusive practice which puts the consumer at a significant disadvantage and allows the credit card company to manipulate the payments made on the account in a manner which unfairly penalizes the consumer. Here is what they do : There is a balance carried on Standard Purchases : in my case it was {$1000.00} ( 29 % APR ) There are also numerous Balance Transfer/Check Promotions which were taken out by me on numerous occasions with different ending promotional dates upon which any remaining balance will then be charged at the specified interest rate of 29 %. I make payments greater than the minimum amount. I was expecting that the entire payment amount would be applied to the balance with the highest interest rate. I wanted to payoff the balance since there is an APR of 29 % whereby the other balance transfers have a 0 % APR until a date out in the future. Barclays stated that anything above the minimum amount is applied to the other balance transfer/check promotions in any manner which they desire to apply them. I requested that they apply the entire payment that I made to the amount with the highest interest rate but they stated that they will not do it. The company then proceeded to apply the remaining payment to a check balance /transfer which was just taken out. When I asked why didn't they apply the amount to the oldest transfer balance ( since this amount will start to accrue interest on XX/XX/XXXX ) they indicated that they can apply it to any amount they want.. In my case they applied the remaining payment to the balance transfer/promotional check with the lasted date ( XX/XX/XXXX ) where the balance will start to accrue on XX/XX/XXXX. The remedy which I am looking from Barclay is for them to apply the payment made on the account in a manner which is proper and fair. Payment which be applied in their entirety to the balances with the highest interest rates thereby allowing a fair and equitable reduction on balances with the highest rates. Furthermore, if appropriate then a payment should be allocated to the balances with the earliest coming promotional dates. Barclay should not be allowed to take advantage of consumers. Furthermore, clear and plain disclosure of this practice and not made. Documentation can be submitted upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following Corporations : XXXX XXXX, Barclays Bank Delaware, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/XXXX XXXX allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX XXXX allegedly owed {$0.00} ; XXXX XXXX XXXX allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; Barclays Bank Delaware amount allegedly owed {$870.00} ; XXXX XXXX Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was fraudulent activity on my XXXX account that occurred late in XX/XX/2019. The 5 charges that went through were : POSTED TRANSACTIONS REWARDS VIEW ALL XX/XX/2019 XXXX XXXX {$1.00} Additional details for transaction on XX/XX/2019 titled XXXX for amount XXXX XX/XX/2019 XXXX # XXXX XXXX {$4.00} Additional details for transaction on XX/XX/2019 titled XXXX # XXXX for amount XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX {$21.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX XXXX XXXX XXXX for amount XXXX XX/XX/2019 XXXX XXXX XXXX {$20.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX for amount XXXX XX/XX/2019 XXXX XXXX # XXXX XXXX {$260.00} Additional details for transaction on XX/XX/2019 titled XXXX XXXX # XXXX for amount XXXX For a total of {$310.00}. I did not make any of these transactions. I contacted XXXX and informed them of what had happened. I destroyed my credit card after I used the card to finance my XXXX XXXX from XXXX which was nearly 2 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90638
Submitted Via: Web
Date Sent: 2019-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: For many years I had a XXXX XXXX XXXX card, every single bill paid on time, never one late fee. Barclays Banks closed out my account no reason given back XX/XX/XXXX but the reason is my husband who was the XXXX XXXX XXXX in New York State was XXXX, XXXX, won his appeal, XXXX again and waiting for appeal. Of course Barclays will not give me a reason because they are breaking federal law ( ECOA ). I continually receive emails and letters from Barclays asking me to apply for a XXXX XXXX Master Card which I do. XXXX XXXX gave me a credit card in XX/XX/XXXX. I would like to sue and also have you act on my behalf to Barclays Bank. I had used XXXX XXXX card because I frequently fly on XXXX XXXX and I accumulated many points which are now running out. I am not allowed to accumulate points now which is another blatant discrimination. I will await your reply. XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX NY XXXX. XXXX cell phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I am completely shocked. Wait times to speak to a customer service agent at Barclays were an hour. I had to hang up and call back. When I called back, they told me my APR was 27 % when initially during application I was told it was 18 %. Then, they tell me there is NO BENEFIT GUIDE. All mastercards come with certain benefits, that vary by issuer. Generally, Barclays includes baggage insurance, car rental insurance and trip cancellation protection. The agent, at extension XXXX HAD NO IDEA WHAT A BENEFIT GUIDE EVEN WAS. He was by far the most uninformed customer service rep that I had ever spoke with, except maybe the person who transferred me to him. The XXXX XXXX XXXX is a joke. You can't get through, they lie to you about the rates, they lie to you about benefits. This is absolutely unacceptable. How does a CSR not know what a benefit guide is?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclaycard contacted us in XX/XX/XXXX about 3 suspicious charges in XXXX, TX on the XX/XX/XXXX & XX/XX/XXXX while my husband & I were both in our town of residence in MD ; which we each have charges at local retailers proving we were in fact in Maryland at the time. They cancelled my husband 's card, reissued a new card, and opened a fraud case. I followed up multiple times via phone for a year following the incident as well as a written message on XX/XX/XXXX. I checked each new monthly statement for a credit of the charges but still have not been credited as of XX/XX/XXXX. Representatives would simply repeat that we are not responsible for any fraudulent charges and that the charges would NOT be credited back to our account until the case was closed and it could take 60-90 days. I was reassured it was being handled every time I called but now almost 3 years later it is still not resolved. In addition to never being resolved, the fraud department representative can not access the records more than 12 months back and now I'm told I must submit in writing to open another case and provide all the original documentation. Basically, I'm starting all over but via mail/fax rather than over the phone. The account reps I've spoken with over the last 2 days are not able to see the 3 charges in dispute but the balances they show match the ones on my statements that do include those charges still. It seems like maybe they erased the charges but forgot to credit the newly issued card. At this point, I'm not sure what else to do. I am getting nowhere with the company. I am trying to pay the account in full and close it but certainly do not feel I should pay the fraudulent charges or any interest that has accrued over 3 years. Nobody returns calls or updates us with any progress of what is happening. Are there any resources to help me in getting the company to complete my case?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-07
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/19 I made what was deemed a purchase to an online company called XXXX XXXX XXXX, XXXX XXXX XXXX with my XXXX XXXX XXXX Mastercard for XXXX. On the website it stated a XXXX fee was to be charged. As I do very month when my statement was posted online I paid my balance in full. I later saw that interest and a XXXX were being charged on my account as well. I called Barclay 's bank and was told that was due to my cash advance with XXXX XXXX. I told them I didn't authorize a cash advance, was never informed that this charge was one and hadn't done so in 35 years. I told Barclays I wished to dispute this charge, I was put on hold during which time I attempted to contact the merchant several times to no avail. A simple XXXX search listed numerous complaints of predatory practices against this company. When the customer rep returned they stated to contact the merchant and they wouldn't be disputing the charge and I should refer to the terms of my credit card user agreement. After speaking to several barclay reps I'm still getting charged interest thus far of XXXX, despite paying my balance off again in full again and paying extra on my card. When Ive called Barclay 's several times each customer rep also continues to gives me different information of how to pay off the unauthorized cash advance balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90230
Submitted Via: Web
Date Sent: 2019-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A