Date Received: 2019-06-19
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: I entered into an agreement with XXXX and XXXX on XX/XX/2019 ; reference XXXX Trip Number XXXX ; for a flight on XXXX XXXX and a car rental from XXXX during the dates of XXXX through XXXX XXXX to XXXX XXXX, XXXX . The agreed upon amount for the car rental was {$140.00} for the dates of XXXX through XXXX XXXX.This was booked and confirmed on XXXX.I called XXXX directly on XXXX XXXX and spoke with XXXX, who confirmed the total amount for the rental period was {$140.00} with no additional charges. I was told this was on a recorded line, thereby allowing you the availability to listen to this recording. When we arrived in XXXX XXXX XXXX XXXX, we proceeded to the XXXX counter which XXXX was nice enough to have given me directions from the gate to the counter on XXXX XXXX.It was at that time we were told I had to take Liability Insurance on the vehicle in the amount of {$16.00} per day. I stated the entire scenario to the gentleman at the counter ( through an interpreter ) and that I adamantly denied the Liability coverage. He told me the only way I could drive the car was to take the Liability coverage and dispute the charges with Corporate. Since we had no other option, I wrote denied coverage, dispute charges ALL OVER THE AGREEMENT, which I notice XXXX did not put in their package. They also demanded a deposit in the amount of {$1100.00} at the time of rental. Once again, I had no other choice, since my significant other and I had 6 suitcases and no other means of transportation for the time in XXXX. We called XXXX while in XXXX and were told the same thing, to take the rental and then dispute the charges when we got back home. When we returned the car, I once again vehemently denied the charges for the Liability coverage and when I refused to sign for the {$660.00}, I was told they would put the total amount of {$1100.00} that I had to use as a deposit on my account. I was again at their mercy and was coerced and intimidated into signing for the charges. As displayed, I again wrote that I was disputing the charges and had declined Liability coverage. As soon as we returned home I called XXXX and tried to work out the charges, but was told they would do nothing to satisfy my requests per the Emails. I then called XXXX to place a dispute on the charges and provided all of the agreed upon contract pricing entered into on XXXX charges were placed in dispute and I was credited {$510.00} ( the amount charged from the Liability Insurance ). When I was notified that you were siding with the Merchant, I requested a letter stating your response and the documentation and correspondence from the merchant. At that time I contacted the Federal Trade Commission, the Consumer Financial Protection Bureau and an Attorney specializing in these matters. ALL OF THEM AGREE, I can not be held liable for charges that I was coerced into signing and threatened with retaliatory action if I did not sign.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My previous balance was {$1800.00} including interest charged for the month of XX/XX/XXXX and payment due to XXXX.I was fully paid the amount of {$1800.00} on the due date XX/XX/XXXX. Now, I checked online my Barclaycard credit account and I noticed they charge me for another interest charged of {$34.00} and due to XX/XX/XXXX. I called that company and I spoke the manager XXXX.I told her Im fully paid last XX/XX/XXXX and I dont have any credit balance why I have still interest charged of {$34.00} and due to XX/XX/XXXX. She said thats my accrued interest charged and she refused to waived that amount. This not fair in my side.How I cant get interest charged again, Im fully paid and I dont have balance in my credit account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2019-06-21
Company Response to Consumer: Closed with monetary relief
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: On XX/XX/2019 I called barclaycard to open a line of credit. My intentions with this line of credit was to transfer an existing Barclay balance onto this new card with a 0 % APR. I was very specific about my intentions and verbally stated them multiple times to multiple agents on the phone. Upon hearing my request the agent offered to open me a card. I told her I would only open the account with the pre mentioned stipulation ( the balance transfer ) as a guarantee. It was at this time the agent fraudulently opened the card in my name. Only after my credit was pulled and everything was finalized was I told Barclay does not even consider transferring balances from an existing barclaycard to a new one. They knew this as fact, and in a predatory manner, manipulated me into opening this account anyway. I immediately demanded a supervisor review the recorded phone call of my application and reverse all actions made. I was told the call would be immediately reviewed and I would be contacted back within 24 to 48 hours. After waiting an entire week to hear back from some sort of supervisor within their company, I was finally contacted and notified that they do not listen to recorded phone calls of applications, nor would they be able to do anything about the fraudulent account being opened. This is a predatory and manipulative process that they are putting people through. I can't see how it is legally possible for them to continue to do business the way that they are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80501
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2019, I did a promotional balance transfer from a Carnival Master Card issued by Barclay. The balance transfer was never issued to my Visa. I was charged the transfer fee of XXXX and the transfer amount of XXXX. I begin making calls on XX/XX/2019. They informed me the balance transfer number was wrong and is being investigated. They informed me the issue would be resolved in 30 days. I called back XX/XX/2019. They informed me they have expedited my issue and it should be resolved 24/48 hours. They told me to call back on XX/XX/2019. I waited and called back XX/XX/2019. The person I spoke with said it will take 30 days to be resolved. I explained to them it has already been a month and a half. He hung up. I called back spoke with another person. I requested a supervisor. I was told it will take 24/48 hours. I am concerned this transfer is a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2019-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been a victim of credit card fraud which your bank allowed from XXXX of XXXX to XX/XX/XXXX 2 years to continuously happen and now XXXX XXXX XXXX has charged XXXX as of the last report from the credit bureau which I had to place an identity theft alert on my account. In all my years I have never been taken like this. My credit score dropped over 100 points from XXXX to XXXX I have always paid for EVERYTHING I put on a card or any bank Ive paid for it. XXXX XXXX XXXX used the card she stole from my house with my name on it to set up the online account and made herself the authorize user, using her own personal email, her cell number, and her own computer. I found out what was going on when Ms. XXXX maxed the card and in XX/XX/XXXX Is when I was told by your bank what was happening. I was told by your fraud department that I set the online account up, but I did not when I was asked to verify the online credentials I could not because I never set it up. Your fraud department had to copy ALL THE STATEMENTS BECAUSE I WAS UNAWARE AND I HAD BEEN TAKEN ADVANTAGE OF BY Ms. XXXX the account she set up was paperless, so I never received anything. Your fraud department said I gave her permission on the application to have a card, but when I ask them to send me a copy of my original application they said it was not available that the Cruise line had it and I sent the cruise a certified letter asking for this information they wrote me back and said your bank had the original and when they sent it to the Barclaycard Services they destroyed the information ( I have a copy of this statement ). I asked the fraud department to pull the phone conversation that in the beginning your bank said that it was phoned in to authorized Ms. XXXX XXXX XXXX to be a user on the account and thats when I was told that it was added on line, BUT YOUR BANK WILL NOT GIVE ME THE ONLINE INFORMATION BECAUSE I DIDNT SET IT UP. ON THE CARD ENDING IN ENDING IN XXXX WAS NEVER USED and THE CARD IN MS. XXXX NAME ENDING IN # XXXX she had both the cards she activated BOTH cards and began to use it. I have filed criminal report against MS XXXX ( see Police report and I will take this all the way to a legal court because I didnt make any of these charges as you can clearly see. I have an address for MS XXXX at work which my attorney located she has a job, she made the bills, she frauded your bank then she needs to be responsible not me. I never charged one thing on that account because if I would have, I would have paid for. Please reopen my fraud claim and take these charges against my name and my credit off and place Ms. XXXX pay you all back. She works for a state agency the Work Force Commission XXXX XXXX XXXX XXXX XXXX Tx XXXX. Im 60 years of age I cant afford to pay something back I did not do or authorize any one to do so. MsXXXX XXXX took advantage of me, stole from me and just because I allowed her in my home did not give her the right to take a credit card from my house set up online account assess and charge XXXX please deem this account fraud and close it out taking it off the credit report and place legal action on MS XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Opened an account with Barclay bank U.S.A back in XX/XX/XXXX. I have used the account a few times and paid if the balance as agreed. However, to my surprise the account was closed by the creditor on XX/XX/XXXX, without any notice. Instead I received a letter indicating the account was closed and I was urge to reapply if I still require use of such account. In any case, I took the creditor for his word and reapply for a Barclay bank credit card, however, to my surprise despite my excellent credit history I was turned down. I am not clear why I was turned down since, I am yet to receive a letter from Barclay bank indicating the reason for the denial. However, I feel as if I am being coerced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2019-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a Barclays XXXX Reward Card a few years ago. I did the 14th month payment plan with 0 interest to buy an XXXX product and did autopay so my account balance was paid in full every month. No issues. This was in XX/XX/XXXX. In XX/XX/XXXX Barclays offered me the same promotion. I was going to use it to buy a new Apple product. They said they sent me a new card in XX/XX/XXXX. I never received the card. I contacted them 4-5 times in the month of XX/XX/XXXX and in XX/XX/XXXX. In XX/XX/XXXX I contacted them to tell them I had not received the card. They then told me it may take another week. I still hadn't received it. I then received a notification that a balance was due for the shipping of the card. I attempted to pay over the phone but I was told that I would need my card to pay. I told them I hadn't received my card. They said they couldn't provide my account number over the phone so I would not be able to pay over the phone. I also could not pay online because paying online requires having the card information. Customer Service said I would be contacted within 24-48 hours by a manager. I was not contacted. They refused to remove the charges. Then it was XX/XX/XXXX I called again saying I had no access to my account and a balance I wanted to resolve. Customer Service had me speak to the manager who said they could not remove the shipping fee for the card and the late fee. I also asked them to give me the tracking number for the card and they said they could not provide that to me. Because of this, my credit score dropped 20+ points. I have NEVER been late on a payment on any card or loan. I am financially responsible. I am not in a position to be irresponsible. I contacted them again and finally, Customer Service agreed to waive the fees once I told them I was going to report them. They said they were going to mail me proof of my XXXX balance. They did not. This was confirmed by the customer service representative I spoke to later. She said nothing was mailed. She said I could see my balance online and I told her I didn't have access to my account because I still hadn't received my card. I requested another card be sent to me so I could access my account and verify my XXXX balance. She said she was going to send me a duplicate and I asked her to send me a new card with different numbers. She said she couldn't because there was an issue with my account. She then forwarded me to the Barclay 's Security Team who said it was a security issue. The Security Team went through a number of security questions to verify that I am me. They told me my account was closed yesterday due to inactivity even though they had charged my account less than a month ago. I had not received any notice prior to this phone call on XX/XX/XXXX of my account being closed. When asked to receive verification of this they said they would mail me a letter but could not confirm this through email. They said I could check my online account and I reminded them I could not because I never received my card. I was then forwarded to the Credit Department. I was told by the Security Team that the credit department can send out a letter to the Credit Bureau to correct their mistake. The Credit Department told me I could dispute this with the Credit Bureau. I told them I already am and I am also going to report them because they did not resend me a card, allow me access to my account, send me information regarding the balance in the mail or by email and they gave me the run around when nobody would help me resolve this issue for months. They said this is because I have a paperless account. I don't have access to my online account so I don't understand how that is possible. Today they had me speak to a supervisor who they said would certainly resolve my issue. After almost 2 hours on the phone with Barclays without interruption, they hung up on me, they said the call was dropped. I maintained professionalism throughout each phone call. I called back and was able to speak to a manager for the XXXX Rewards Card named XXXX. XXXX sent me an email statement finally confirming that my account had been credited. I had a XXXX balance. But she said she could not send me confirmation that my account had been closed. I also asked her if she was going to contact the Credit Bureau to inform them of their mistake. She said I had to write a letter to Barclays Dispute Team. I asked her to email me the address she said she could not email it to me. This was the address she gave me over the phone. FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX, Delaware XXXX In short, they charged me shipping fees for a card I never received, which turned into late fees. They did not allow me access to my account without this card so I could not pay fees even over the phone because they said I did not have my Barclay card information. The customer service department could not provide me with proof of my balance by email ( said they would mail me a letter twice, but Customer Service confirmed that was never done ). They did not notify me of my account closing until today. All of this caused my credit score to drop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I made a motel reservation for XX/XX/2019 thru Wyndham XXXX XXXX for a reservation at XXXX, Iowa. I was offered {$50.00} off my room reservation of {$75.00} ( includes taxes ) if I signed up forfor a TOTAL OF {$25.00} which I accepted enrollment in the Wyndham credit card. ( confirmation # XXXX ) Upon checking in at the motel I was told I had to pay FULL PRICE - not the {$25.00} total due which was shown on my confirmation upon enrollment of the credit card. I told the manager I was to get {$50.00} off but he said it did not apply. I don't appreciate this type of scam, dishonest, type of promotion. So I requested Wyndham to PLEASE CANCEL THE CREDIT CARD IMMEDIATELY. XXXX XXXX, Minnesota
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not recognize these inquires on my report from XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), Brclysbankde ( XX/XX/XXXX ), Brclysbankde ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2019-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A