Date Received: 2019-06-27
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2019, XXXX XXXX opened a BARLCAYS XXXX BUSINESS CREDIT CARD Account # XXXX for XXXX XXXX SOLE PROPIETORSHIP. The card was blocked from the day it was issued. Barlcays recommened XXXX fax in business verification documents to XXXX. Despite XXXX 's repeated attempts to send in the information and resolve the block, Barclays still has not come to a resolution regarding why the account has been blocked. To date, he has been charged an annual fee as well without having access to the card 's credit line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I wish to dispute the {$710.00} transaction for {$60.00} for the following reason incorrect billing and purported collection of sales tax. Please find information from the Florida Department of Revenue supporting my assertion that the merchant, XXXX XXXX, is not obligated to collect sales tax on cosmetology e.g., hair and nail services, the merchant category code in which they operate. As stated previously, the amount of the original transaction was {$650.00} ( {$600.00} for services plus {$50.00} tip ). Not sure how they arrived at {$710.00}, since that doesnt calculate to the purported 7 % tax, over charging me {$60.00} above what was originally agreed. Barclays claim that they do not have any responsibility to assist in resolving this billing dispute since it was a card present and in person transaction is erroneous. Even Barclay 's own internal records support that the transaction was entered manually several times, with varying amounts. They obviously manipulated the amount after we left the establishment. Either they are guilty of incompetence or intentional fraud, but in either circumstance, I should not be held liable for merchant billing errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34113
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2019, I received a letter from Barclays regarding a card called XXXX, alerting me that there was an issue with my card/account and I should contact the company immediately. I never signed up for such a card, nor do a possess a physical card by that name with the account number ending in XXXX. I sent Barclays a letter dated XX/XX/2019 letting them know that I never signed up for their XXXX card and that I suspected my information was illegally transferred from a previous account I had through XXXX XXXX/Barclays. XXXX changed service providers and that account was closed. In my letter I stated that I would be submitting a complaint to CFPB if they did not send me something in writing saying that this fraudulent account would cease and desist. Barclays has continued to send me letters about this account and also continued to make claims that I did not pay an annual fee for the card. I recently received such a letter dated XX/XX/2019. I am concerned that this fraudulent activity being committed by Barclays may be negatively affecting my credit. They are impossible to speak with by phone as their agents seemed to be trained on how to continue with company endorsed fraud. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
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 have a credit card with barclays credit card company and i was a victim of fraud and ask for the charges to be cleared and the refused to clear the charges even though i sent a police report with the appropriate documentation from the police department and they refuse to clear the charges and the interest and late fees are steadily rising .The charges accumulated on XX/XX/2019 in the amount of XXXX, XX/XX/2019 in the amount of XXXX and XXXX and XX/XX/2019 XXXX with a balance now with late fees they keep adding because i refuse to pay the charges when iam the victim is over XXXX as of XX/XX/2019 and iam sure its even more .When i discovered the fradulant activity i contacted the company and had them to close the account and the didnt want to close they only closed it because the card reached its limit.Please help me resolve this matter and in the future I will never use this company again are recommend this company EVER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
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 saw suspicious charges on my Barclay's/Frontier Mastercard so paid off the balance and cancelled the card on XX/XX/2019 which was processed on XX/XX/2019 ( See Exhibit A ) However, as I discovered today, the credit card company allowed an auto payment to XXXX XXXX be charged two days after I cancelled the card on XX/XX/2019 ( See Exhibit A ). I did not know that the company allowed automatic payment charges to be applied after cards are cancelled and NO notice was sent to me that a separate charge to XXXX had been made after the date of the card cancellation. So without any notice that the payment had been charged I had no idea that I owed anything. I had not used the card number to make any charges and had paid the balance in full when I cancelled the card. A couple of weeks later I received the new card but didn't activate it or use it therefore had no reason to believe I owed anything on the card. I did not receive a XXXX statement, possibly because we moved and have not been receiving all of our mail ) and no on-line statement was sent. So on XX/XX/XXXX when I received an email notice that my payment was late I was confused. I went on-line and found a statement without any transaction charges, only a summary of late fees, no transactions were noted. It showed a balance of {$29.00} ( See Exhibit B ) On XX/XX/2019 I wrote to Barclays/Frontier Master Card and explained that I had paid the balance in full and made no other charges. ( Exhibit C page 2 ) I asked for a phone number to speak with someone. On XX/XX/2019 I received a response telling me to call a number or use the on-line option looking under Activity & Statements and chose, 'Posted Transactions '. ( See Exhibit C pg.1 ) The information again verified that I owed only late fees but not what the fees were for and that there were no purchases or transactions on the card for that month. ( Exhibit B ) I also looked at the previous statement for XXXX and found that I had paid {$1400.00} and had only had {$1100.00} in charges ... .so I should have had a credit for that month of {$230.00}, not a balance owed at all. ( See Exhibit A pg.2 ) Today, to follow up, I called the number and asked for an explanation and while speaking with the representative it was revealed to me that the charge from XXXX made after I cancelled the card was the reason. I was told that they have a right to make auto payments after a card is cancelled and that I am expected to know that even though a supplemental bill was not sent, nor was any notification sent to me that there was an additional charge after the cancellation. They didn't think it was significant that the charge was not noted on the XXXX statement as a carryover, and they themselves had trouble explaining it until they studied the billing from the previous month. Even knowing that it was a flaw in their own system that caused the confusion and lack of notification to me, they refused to remove the negative mark against my credit and told me I had to deal directly with the credit bureaus to see if they would do anything about it. Only when I insisted that they give me information on how to reach someone at Barclays/Frontier did they give me a mailing address to reach someone in their company. They refused to give me a phone number nor an email address so that I could expedite the complaint and get a resolution quickly. The parties that I dealt with at Barclay's/Frontier were XXXX , employee # XXXX, XXXX, employee XXXX XXXX and Operator ID # XXXX. I was told by XXXX that I could go no higher than him to find a resolution unless I wrote a letter to a second address. He also refused to give me an email address or phone number so I could correspond immediately and find a quick resolution. Currently I am trying to refinance my home and this negative mark on my credit may prevent me from obtaining a good interest rate of may disqualify me from getting a loan at all as it appears that I am having problems paying my bills. I ask that you help me find a quick resolution to this problem. This flaw in their system, lack of notification and lack of information has created a problem for me that will result in years of higher interest on my loan. I believe that these companies should be held accountable for informing their customers that they will continue to allow charges on closed accounts. I also believe they should be responsible for sending notices or supplemental billings to inform customers that there are new charges that need to be paid from the old billing cycle before the payments become late and incur charges and result in negative credit reports on their customers ... even though the XXXX statement did not show any new transactions and didn't note an unpaid balance or carryover from the previous statement ( as you can see in Exhibit B ) so I was kept in the dark about owing anything and thought it was some kind of mistake in there computer system. Lastly, I would like to receive any credit that is due to me for the overpayment I made during the month of XXXX in the approximate amount of {$230.00} as well as the fees I was charged in the amount of approximately {$29.00}. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
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: in XX/XX/2019 i received my barclays uber credit card statement there were charges of XXXX i called the customer service to report that i had no idea what these charges were. barclays closed my account took a fraud report and issued a new card. On XX/XX/XXXX i got a letter from barclays that the charges were mine i called barclays and they said XXXX provide info that i made these charges i explained that i didn't know what the charges were then asked barclays to provide me with lifts explanation of why these fraud charges were mine Barclays said they were finished and i could not put it back in dispute that now i had to deal with XXXX. Why should i deal with XXXX when my barclays issued credit card was used fraudenty i am being charged for something i did not receive and for me to contact XXXX with any info that i know nothing about is crazy and how can u get in charge with them there is no corporate phone for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reported 5 times that the accounts from Barclays Bank Delaware, XXXX XXXX/XXXX AND XXXX XXXX XXXX and XXXX XXXX was not opened by me. I have tried to dispute these matters multiple time. I am XXXX years old and I am trying to build my credit. The only thing on my credit that should have been authorized by me is my student loans and my XXXX XXXX XXXX checking account. Everything else is False and my parents tried to open in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XX/XX/2019 {$26.00} XXXX cash rewards, Recurring charges since XXXX. I have called in over 15+ times. I have asked for someone who speaks English. I have asked for a supervisor every time. I am told customer service does this job. I call customer service, and they tell me I need to talk with Fraud. I call Fraud, and I verify myself. I explain whats going on, and I am told they can not help me. I ask for a Supervisor again, I get XXXX she has no idea whats going on, why I am calling and says she can not help me. I have been calling since XXXX. The reoccurring charge keeps happening and now there is more Fraud.
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: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
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 was offered a tour-presentation through a time share company for 5-7 days and I had to cancel for another engagement and I had paid for the accommodations to XXXX/XXXX XXXX and cancelled in XX/XX/2019. My trip was scheduled for XX/XX/XXXX through XXXX about. I called to cancel with XXXX-XXXX but only XXXX of my charge was refunded. I then called choice visa and asked them about the charge on my card + finance charge stating they reviewed and couldn't help me and the dispute has been resolved. Now I only found out about this because I wanted to see any updates on the dispute online no one called me or added a message on my account or sent me a letter regarding this matter.So I discontinued use of the company ( XXXX VISA ) and requested to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I submitted an application for my first ever Barclaycard Arrival Plus World Elite Mastercard on XX/XX/2019. I also paid {$15.00} to expedite/overnight the approved card to my home address. Note that I've been an existing Barclaycard customer with a different card for over 4 months now. I got a standard response saying that my application would be reviewed within 10 days with a response. Not having received a timely response from Barclaycard, I proactively reached out to them asking for an update on my application. They put me on hold for quite a while before finally telling me that there was an issue with the address provided on my application. They asked me to send copies of 3 different documents ( Social Security Card, Bank Statement with a name and address, Driver 's License ). There were no other special requirements around these documents apart from what's listed. They insisted that the only acceptable way to send this was by regular postal mail ( email and fax were not discussed as an option despite me asking for them ). Note that this is in the year 2019. I obliged and sent copies of all 3 documents exactly as requested by post on the XX/XX/XXXX. I have a delivery confirmation from USPS stating that this was delivered to Barclaycard the week of the XX/XX/XXXX. Barclaycard however did NOT process this till they XX/XX/XXXX ( a week from then ) and couldn't even confirm the receipt of my documents that entire week. On XX/XX/XXXX, I called them only for them to tell me that the bank statement I sent was unacceptable ( despite it clearly showing my full name and the correct address ). This was a statement printed out by a XXXX XXXX Representative in a local bank branch. Barclaycard claimed that what they were really looking for was a completed computer generated statement ( this was NOT called out earlier ). They insisted that I needed to send in an official statement ( despite having sent one in already ). I was told that it'd be processed within 2-3 business days of receipt. At this point they informed me that faxing the document was an option ( note that this wasn't an option the first time ). I faxed the document the same day and it was received on the XX/XX/XXXX. I called them on the XX/XX/XXXX and Barclaycard told me they have NOT received or processed the new documentation and told me that it would instead take 7-10 business days to process this instead. I called them regularly the week after that to check on the status and finally on the XX/XX/XXXX ( 10 business days after receipt ), they confirmed that the docs were received, my application was approved and that I'd receive the card by Wednesday ( XX/XX/XXXX ). The card did not arrive as scheduled. I waited till XX/XX/XXXX before calling them where they said that the card was NOT approved and that they still needed MORE address related documentation before they can approve it. First they mentioned they can send in documentation via email and then said I can only send it by mail ( not fax ). Surprisingly the card arrived by USPS regular speed mail later in the day on XX/XX/XXXX ( despite not sending in the docs for a third time ). I activated the card but still am unable to spend on it because of issues on Barclaycard 's side. I still don't know for certain if the card is valid because I can't reach their customer service team either. - This has been an extremely harrowing experience for me over the last 6-7 weeks. - Barclaycard has NOT been proactive at informing me of issues with my application. I had to call them each time taking more than 20 hrs of precious time out of my work days during this period. - Barclaycard 's document processing capabilities in the year 2019 has been backward and slow. - Barclaycard 's agents did NOT offer accurate or consistent information about resolving this issue. - Barclaycard 's agents were not aware of basic details as to how their own systems work or how long a process might take. - Barclaycard 's agents were unwilling to escalate calls to their supervisors when they didn't have the information themselves - Barclaycard was not keeping any notes about the multitude of interactions they had with me on this single issue over the last several weeks. My pleas to add notes fell on deaf ears. - Barclaycard agents ' general tone ranged from rude to indifferent. - Barclaycard did NOT honor the expedited delivery I had explicitly paid for and sent the card to me via regular mail In the year 2019, having a backward technology stack and doling out this sort of despicable treatment to an existing customer in good standing who wanted to give them several thousand dollars of new business is unacceptable. At this point in the process, I've cried out in frustration and have wanted to give up and cancel the application several times. Any reasonable human being would have lost their patience many times over. It's not a stretch to imagine how many thousands of customers have been mistreated by poorly trained Barclaycard agents. I pity all of them and call on Barclaycard to make this right at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A