Date Received: 2019-06-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclays closed my credit card account due to inactivity. I have about {$15.00} rewards with them and I can't get the {$15.00} because you need at least {$50.00} to redeem. I called and said there is nothing they can do. I asked to file a complaint and the agent said she will file a complaint but not let me know what would happen to the complaint ( no record of emails, etc. ) It's my money! Can't they send me a check or something?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclaycardus deserves a complaint for their detrimental practices. Detrimental to the credit scores of their customers. I as well as others have had a problem having credit giveth and the a'taketh. I was given a limit of {$20000.00}, shortly after I spent approximately {$6700.00} i received a letter stating my limit was being reduced. To just above what I had spent. This looks like I spent almost 100 % shortly after I received the card and increased my percentage the of credit usage, decreasing my credit score. Why would a company give credit then once it is partially used ( 33 % ) recind the majority of that limit. The best part, after I had paid off half, and some other debt in less than a year, I asked to have my limit reinstated, which would require a hard pull ( as they stated on the phone ). So after the initial decrease in my credit score I would have to have another harm to my score to have it fixed. So, don't get a card from barclaycardus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22630
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX we receive a promotional offer from Barclay 's to open an account with them with 0 % interest rate for 15 months billing cycle, all purchases including balance transfers. When I check the statement this month, I notice an interest rate was applied to the account. I called Barclay 's and spoke with XXXX ( who is rude and hang up on me ) when I questioned the interest rate. then I called again and spoke with supposedly the supervisor of XXXX, Her name is XXXX, she said that what we signed up is 0 % balance transfer only and not 0 % interest for purchases. I said this is not what we signed for a 22 % interest rate. This is a case of bait and switch tactic by Barclays and false advertising. XXXX indicated Barclay will not honor the 0 % interest for purchases for 15 months. This is not what we originally signed up for. We opened the account based on the premise that 0 % interest rate on purchases for 15 months, not what Barclay is claiming
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX a balance transfer was initiated with XXXX XXXX credit card which is owned by Barclays Bank. A request was submitted to transfer {$3000.00} to a XXXX XXXX credit card account to take advantage of a zero percent interest offer made by Barclays Bank. The funds posted to the Barclays account as being transferred, but never made it to the XXXX XXXX account. An investigation was started at Barclays Bank on XX/XX/2019 ( Case # XXXX ). No corrections were made to the account and a second call was placed to Barclays on XX/XX/2019. Barclays advised they would escalate the investigation and gave the same case # as reference for their investigation. No corrections or contact has been made again, so a third contact was made on XX/XX/2019. The Operator on the call that day ( Oper ID # XXXX ) advised the case would again be escalated. When asked to speak with a supervisor the operator advised none were available to take the call. She also advised the issue would be resolved in 24-48 hours. Another call was made today ( XX/XX/2019 ) and still no resolution. Spoke with two separate supervisors ( XXXX and XXXX ). Between calls with them, contact was made with XXXX XXXX customer service to see if they could help in any way. XXXX XXXX requested information on what account number the transfer had been sent to, how the transfer was sent ( check or electronic transfer ), and the date when the transfer 'cleared '. The representative from Barclays ( XXXX ) was only able to say that the 'back office ' was handling this and to give them another 7-10 business days before calling back again. It is completely UNACCEPTABLE that Barclays Bank ( XXXX ) is unable to confirm where this money has been sent after more than 6 weeks and multiple calls to them. Also contacted XXXX XXXX again and they advised no investigation can be opened on their side to locate the funds even with the information gathered ( the transfer was electronic, it 'probably ' cleared on XX/XX/2019 - but this can't be confirmed because they won't look up the account number that Barclays shows the funds were transferred to ). Because funds are not in my account they will not open any investigation to find the funds and continued to refer me back to Barclays Bank. Please advise what else can be done to fix this issue as neither bank is providing service to locate the missing funds!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98370
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclay Bank Credit Card US - In XXXX I had a conversation with an agent of Barclay Bank regarding entering into a long term payment plan of 5 years to get my account current and get payments made to pay off the amount due. The confirmation # of the agreement we made is XXXX. In that conversation the agent assured me that within 4 or 5 payments of this new amount ( {$82.00} a month ) my account would show " current '' on ALL credit reporting agency reports and that as long as I made the payments, the account would be in good standing. This program was called the Long Term Assistance Program. In XXXX of XXXX, while trying to refinance our home with a VA mortgage, it was discovered this account is still showing as ALWAYS LATE. This is a lie. I have not missed a payment in 2 years. I called Barclays and filed a complaint ( # XXXX ) and spoke with 2 managers - XXXX XXXX and XXXX XXXX, who listened to the call from XXXX and agreed that this was indeed what I was told by their agent. However, the agent lied to me and what she assured me was the case, was in fact, a lie. I have asked the two managers to make this right and abide by the promises and assurance I was given and to make the account show " Current '' as I was told it would, and they both refused. Their answer is to apologize for the lie, and to tell me the account " doesnt qualify '' to be shown as current even though I have never missed a payment under the plan we agreed upon. They have refused to assist me and have even promised return calls that never came ( XXXX - I promise I will call you at XXXX Monday the XXXX of XXXX That call never happened and it took me 3 more calls to even get her to answer the phone ). What they have done is unethical and a true " bait and switch '' scheme whereby the consumer ( me ) believes what the agent promised me and I live up to the agreement - just to find out it was a lie and they are going to continue to fraudulently report the account is late, which it isnt,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX, Office of the President of Barclays provided a response on XX/XX/XXXX that my XXXX Business Card has been resolved, I have also received a verbal phone call from Mr. XXXX saying the " Review '' for XXXX card has been resolved. I have not attempted to use the card until today XX/XX/XXXX and it continued to decline. I called XXXX XXXX Customer service at XXXX at XXXX XXXX and spoke with a rep who then transferred me to another rep in " Business Review Department '' at XXXX but transferred me to that number and despite explaining my letter and them selectively approving my XXXX XXXX Business Mastercard, they said, " Review team still has your XXXX Business Card under review. There is no time-frame when they will call you, expect a call from them. '' Despite explaining my other Barclays account ( XXXX ) was removed of the hold and able to use card, they said XXXX is still under review. XXXX XXXX responded in the previous attachment that " we were able to remove the security holds on both accounts. '' Clearly one of the accounts still has a security hold. I have faxed over my Social Security Card, California Driver 's License, and my XXXX Federal and State tax return to Barclays Review Team on XX/XX/XXXX at Date : XX/XX/XXXX XXXX XXXX PDT Receiver Name : Barclays Review Team Receiver Fax # : XXXX Subject : Review Team Page Count : 74 ( including cover page ) There has not been 1 attempt of phone call from the Review Team at this time, I didn't expect a call as I did receive this official letter and a direct phone call from XXXX XXXX saying both my accounts hold are removed. I would like a follow-up and expedition as it has taken quite some time and it is HIGHLY inconvenient every time I call it will take over 45 minutes of my time deferred to another rep that holds no accountability and says conflicting reports. I have left a voicemail to Mr. XXXX XXXX ext XXXX on XX/XX/XXXX at XXXX and his office should be open until XXXX but nobody answered at this time. Mr. XXXX, may I request a resolve for this situation? I thought this was already cleared and I do appreciate your professionalism and follow-up calls but if you verbally and indicate on paper that both accounts are cleared, it should be cleared. I should not spend any more time on this yet I have already spent a total of 2.5 hours already! I ended work early to enjoy my extra 4 hours off but spent most of it on this matter! I am sorry for the frustration but I am so upset about this. It's already been about 1 month since the XXXX XXXX XXXX has been opened and I am unable to use it despite sending in personal and quite dangerous security documents to you nearing 3 weeks. Please help I am tired of calling customer service reps that provide false reassurances and no follow-ups.e )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2019-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received my Credit card statement from BarClay Credit with the following information : Ending balance as of XXXX : $ XXXX/received payment on XXXX of {$210.00}. The remaining balance is noted as {$7100.00}. My Interest rate is 24.40 % APR. Based on Barclay customer service agent on XXXX phone call, the formula to calculate how much interest is due for the next bill would be {$7100.00} x 0.2124 =1525.58424 which then is divided by 365 days ( 4.17968285 ) and multiplied by 30 days in the current cycle bill for a total of 125.39 ( interest ), however my bill notes my statement notes they are calculating the interest of {$7400.00}. I asked where they got the XXXX from as this number does not match my previous ending balance or my current balance. The customer service agent noted they round up in their calculations, however I went step by step and asked him to tell me where they rounded up so I could add this my calculations. The customer service agent could not provide an accurate response and he himself could not explain why where the {$7400.00} amount was derived to calculate by interest rate. This amount is even higher than my ending balance on XXXX or my balance after my payment. I have not paid a single purchase during the period of time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2019-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This dispute is in regards to an account I had with Barclay Aviator Mastercard which I was no longer using, however, left open for credit reporting reasons. As a client in good standing and with no previous late payments in the history of our relationship, Barclay made no attempt to reach me ( by phone or by a mailed statement or notification ) to inform me that a {$35.00} charge from XX/XX/XXXX was past due and was accruing monthly late fees. Despite having my current phone number and mailing address, no attempt was made to notify me about this line charge until I received a letter on XX/XX/XXXX informing me that my account was being closed. I called immediately and paid my balance, but not only had Barclay closed my account, they had also reported me to all three credit bureausover a {$35.00} and without making one attempt to notify me. As I found out, this {$35.00} charge was for a one-year service I had paid for the year prior. I had not set this up, to my knowledge to auto-renew. However, it had. Barclay Aviator Mastercard violated the terms of my credit card service agreement by failing to notify me by phone or by mail that late charges and interest were being charged. Oddly, this same company regularly called me concerned about " suspicious card activity '' when I was actively using the card for every day rewards spending. When I contacted Barclay, I was told I had enrolled in paperless billing and that I received emails and not mailed paper statements. I never consented to electronic statements! I couldn't find any emails despite them having my accurate email address. Still, their associate acknowledged that I should've received multiple calls and letters during the 3 and half months this charge was adding late penalties. Why didn't I? Apparently, if you are enrolled in paperless billing you've agreed to receive statements AND Notices " electronically when legally permissible. '' It's legally permissible to notify a cardholder of their default status, the assessment of late charges and interest via email? If it is, that's a major e-statement loophole consumers should know about. In addition to them closing my account without warning, they've also ruined my credit score as they reported my account as 90 days late to all 3 credit agencies. My credit score has drop from over 800 to XXXX. This despite over 30 years of credit history without one late payment on my record. I've mailed goodwill letters explaining all of this to the agency I was told to, and after 3 months I've been told my appeal has been rejected. I've reached Barclay 's resolution department, but I'm told they make no goodwill adjustments regardless of the circumstances. My last resort is disputing the validity of the original auto-renewal charge, but it's now almost been a year. How could a company that called me regularly to verify that " suspicious card activity or behavior '' was valid, make no attempt to call me or send a letter for a matter with such severe consequences? The only logical answer is that a {$35.00} balance that can generate {$35.00} a month in late fees and compounding interest is worth more unpaid than not. I have no doubt that had my balance been {$500.00}, I would've received a call or something in the mail. Regardless of how many times a business asks you if you want to stop receiving paper statements, I would strongly advise against it. I don't even remember consenting to this, but it was clearly used as a loophole in my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76226
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Barclay Bank has reported this twice to my credit file removed it only. to add it back for the amount of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A