Date Received: 2019-06-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Late payment reported ( {$76.00} ) to my credit report that caused my credit score to decrease greatly. I made the payment and just want the late payment taken off my report. As my credit report shows it has 100 % payment history prior to this late payment. I hope BARCLAY BANK CARD can over look this one time mistake and erase the late payment. Credit card company : BARCLAY BANK Credit card : BARCLAY XXXX rewards card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Ever since the renewal date of my XXXX XXXX Card in XX/XX/2018, I've lost all benefits that's advertised on the card including Free first checked bag, 10 % points back rebate, and other benefits. I've contacted Barclays by phone and secured message MULTIPLE TIMES in the past three months and they recognize the linkage error but blame it on XXXX. I've also spoken with XXXX even going as far as doing a conference call with Barclays together, and every time they said they'll fix it nothing has been done. Basically Barclays is supposed to pass the information to XXXX but Barclays never updated the system for me. I've lost many points back rebate due to this and had to pay baggage fee multiple times with me and my companions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I called up Barclays card on XX/XX/XXXX, XXXX XXXX PST. because my credit card was " CreditAccount was locked and frozen ''. I was unable to use my credit card!. The voice automated operated was not working, when I finally reached Customer Service, the first customer service operator kept speaking over me, and When I asked if its acceptable that my " Account was locked and frozen? ", the customer service hung up on me. It was a female and the first call of the day. Is that how they treat customers where their account is locked/frozen? They should help people service their locked accounts, not hang up on people. Can they
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
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: The company refuses to proceed with grant of liability protection services as given by Master Card XXXX XXXX for two unrecognized charges under the grounds that both transactions were made with the card ( as claimed and submitted from our end to Barclay 's ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form XXXX, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
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: I filed a dispute with XXXX because my mother 's negative credit information is being applied to my credit report. I explained this in my dispute and provided XXXX my mother 's SS # to assist them in their investigation. My mother and I had the same name before my marriage. Note : I'm only having this problem with XXXX. XXXX and XXXX are 100 % accurate. XXXX Investigation Comment : Barclay Card - Disagrees with dispute and charged off account. The disputed charge has remained on my credit report and it has prevented me from obtaining new credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was recently approved for a Barclays AAviator business card and received the card on XX/XX/2019 with a credit limit of XXXX. As of XX/XX/2019 my transactions were not going through in store. I called Barclays card customer service rep ( XXXX ) and they said Barclays needs my social security card, last years tax return, and drivers license due to " review ''. I asked for why the review occurred and they could not specify why. They told me to fax the 3 documents over. I complained that these 3 documents will cause risk of lose through a use of a public fax machine as I did not have one. They said I can email them the documents @ businesscardsarsmail@barclays.com I attempted to email them today and I received notification of invalid email address. I'm wondering the reason why to send over these sensitive documents without attempting to call, email, mail or notify me these are required. I do not understand why they would approve my card and then block my purchases starting today? It doesnt make any sense. I have a checking account with them for over 7 years and my credit score is over 800. I XXXX a similar problem and that person filed a complaint and executives were emailed and then they canceled the documents requested. I just dont understand why I have to send a copy of my Social security card, drivers license, and last years tax return! It's too risky to send via fax. For reference the login portal for my credit card is aviatorbusinesscard.com and its owned by Barclays.
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: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed my credit card account with XXXX XXXX XXXX XXXX XXXX ( through Barclays ) on XX/XX/2019. I was told to pay the balance minus the annual fee ( which was due that cycle ). I did so. But for subsequent THREE billing cycles I have been billed for the annual fee on a card I cancelled. In addition, the credit card company is charging me late fees and interest on the card. I have called the credit card company repeatedly and spoken to Barclay representatives who, each time, have apologized and indicated to me that the charge for the annual fee ( and all subsequent late charges and interest ) would be immediately removed from my account, the account closed, and a report made to the credit monitoring agencies about the mistake so that it does not impact my otherwise excellent credit score. I just received yet another bill from Barclays with a credit for {$27.00} in late fees and {$1.00} in interest charges from the past two cycles BUT with the same annual fee charge and a new interest charge for " late payment '' on the annual fee. No matter how many times I call them about having canceled the card months ago, they keep billing me for the annual fee and reporting me as late to credit monitoring agencies and charging new interest on the " outstanding payment for the annual fee '' on a card I no longer use or own. Because all of my efforts have failed, I am now contacting the Consumer Financial Protection Bureau for assistance. I am especially worried about the ongoing impact this will have on my credit rating. Please help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclay I'm filing a complaint on your company for violation of the FCRA ACT I started disputing my two Barclays credit card account with the credit reporting agencies back in XX/XX/XXXX and they keep saying that you keep responding saying that the information is reporting as correct. However this information is reporting incorrect on my credit report I have got fired from my job because of credit reporting violations unable to Obtain a good Job due to company like you reporting false information. then you expect people to pay you on time it's very hard when creditors are reporting negative and false information about the consumer I have been telling the reporting agencies that the account numbers were not matching up and again they kept saying that Barclay states its reporting as correct in order for me to prove my point about 3 Weeks ago I sent to your company 2 money order about a month ago for payment on my XXXX XXXX XXXX and My XXXX XXXX mastercard I sent in the money orders with no name no address Just the account numbers that you are reporting on my credit file and the money order never did get cashed because those are not my account Numbers What's showing on my credit file is XXXX and XXXX those are not my account Numbers! again I have been disputing these with the reporting and agencies about 15 times per account its a lot of work writing letters and getting them in mail to these company. Barclaycard you have violated my rights and cost me my job also you are in are violation of the FCRA. I'm asking you to please delete these 2 accounts from each of the credit reporting agencies immediately for the violations There is no law that states that you have to report information. But since you have violated my rights under the FCRA I DEMAND These accounts to be remove ASAP or I will take legal action. you and I have an agreement for payment each month and I will carry those payment agreements until my accounts are paid in Full But It's hard when Negative items is keeping you from getting a job to pay. I look forward for your response also XXXX is reporting that XXXX ACCOUNT IS A CHARGE OFF I HAVENT Received any noticed from your company about a charge off This far which is another violation of the FCRA.. I have enclosed a file from your company dated XX/XX/XXXX on You clearly stated my two account numbers ending in XXXX and XXXX but my credit report is showing different account number per the FCRA accounts must report 100 % percent accurate or the account must be delete and again that's what I'm asking you to do in this case! I also attached the account numbers that reporting on File 3
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was on a XXXX XXXX flight from XXXX to XXXX on Tuesday, XX/XX/2019 when the flight attendants distributed applications for a XXXX XXXX Mastercard on board. The crew member announced over the loud speaker that anyone who opened a new account would automatically earn XXXX points redeemable towards future travel, and that the card carried no annual fee. I took an application and filled it out, returning it to a crew member before the end of the flight. Upon arrival of my new card a couple of days ago, and after setting up online account access and reviewing my " XXXX XXXX '' points, it became clear that you had to spend {$1000.00} in the first 90 days of opening your account before you would earn the XXXX points. I submitted a complaint to XXXX XXXX / Barclays Bank through the " manage your accounts '' question form online and received a response stating that I would the earn the points upon spending {$1000.00} in 90 days and after my annual fee posted to my account. I then called a customer service rep for XXXX XXXX/Barclays who clarified that my card did not carry an annual fee but that I indeed had to spend {$1000.00} in 90 days to earn the XXXX points. I feel this is an egregious example of false advertising on XXXX XXXX 's part because at no time on the plane did they state you had to spend {$1000.00} to earn the points. I was travelling with my husband who can verify that, and in addition, a co-worker who traveled XXXX XXXX around the same time said she heard the same offer and also did NOT hear they say you had to spend {$1000.00} in 90 days to get the points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02132
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A