Date Received: 2019-05-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclays financial has closed my account while I battled an illness and they continue to process payment attempts from my bank account without my permission which has caused me to receive multiple over draft charges from my bank. I do not have automatic payments set up and I have not attempted to make a payment or settle the account yet they continue to process payment attempts. I was told by a local attorney that their actions are illegal and I am wondering if I should obtain legal representation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87105
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A payment I sent into Barclays Bank for my credit card for XXXX was miscoded by XXXX. They took XXXX. This resulted in my checking account being over drafted and fees of {$220.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94559
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I was diagnosed with XXXX XXXX XXXX and was told that would need to undergo XXXX. So in anticipation of being out work I notified my creditors to let them know of situation so that I can utilize my XXXX benefit that I knowingly and purposely apply for as a smart consumer especially because I have XXXX XXXX. All companys were ok with applying my benefit except for Barclays after numerous attempts to exercise my benefit that I pay for which I applied for during the application process for the credit cards. They refused to use my benefit and then just this week I received a letter from a collection agency attempting to take me to court to collect the debt that didnt have to happen had the creditor applied he XXXX benefit I was paying for. This is unacceptable and demeaning and by now have increased in charges due to interest and fees that I should not be liable for since I was paying for a benefit to protect me in case of hardships.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to XXXX XXXX in XX/XX/XXXX and assist to a metting for timeshare with XXXX XXXX, they made us an offer of XXXX points per year that we could use for Vacations at any place USA or National The Hotels or Resorts for {$8500.00}. When we made the first Payment we where available to see the value of the points. What they have available are for XXXX points per night ( with the original cost of {$75.00} - {$100.00} regular price for public ) in Three Days the XXXX points will be gone, is a fraud we have to make payments of $ XXXX monthly {$1500.00} per year plus like {$600.00} taxes per year total cost per year {$2100.00} my husband and I where thinking in somenthing nice they show us a beutiful Resort in XXXX XXXX. When we try to look for our vacations nothing is true with the only options that we have are worth like {$300.00} and they still charge other fees. They are a scam How is posible that they want us to pay more than {$2000.00} dollars for something that we could pay for {$300.00} or less and only when they have something available. Plus they used our information for a Credit Card they never tell us That we where applying for a credit Card. XXXX/XXXX XXXX check our Credit with OUT our ahutorization for Credit card ( BARCLAYS BANK DELAWARE ) in XX/XX/XXXX. And they Check my CREDIT again in XX/XX/XXXX ( XXXX XXXX XXXX ) I never ahutorized that. I TRY to CALL them the phone that they Have is incomplete the same for the credit Card I have no Idea how to talk to them. Could you Please help me. I freeze my Credit and I change my Accounts numbers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
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, XXXX XXXX XXXX WAS CHARGED {$2800.00} ON XX/XX/2010 BY A COMPANY CALLED XXXX XXXX. THIS COMPANY TOOK ADVANTAGE OF ME AND DID NOTHING AT ALL FOR ME.. I TRIED TO REPORT THIS CHARGE AS FRAUD WITH MY CREDIT CARD COMPANY. THEY REFUSED BECAUSE IT WAS 9 YEARS AGO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78418
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have sent a letter to this company to get debt validation for this account and they never responded and there has been no update to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is a bait and switch complaint. I am writing to request Barclay 's and XXXX XXXX honor their joint offer and post XXXX reward miles to my account. In XX/XX/XXXX, I applied for the Barclay 's XXXX XXXX XXXX XXXX Mastercard on an international flight. The flight attendant enthusiastically described how easy it was to take advantage of the XXXX bonus miles, " Just make a purchase, any purchase, within three months. It could be a pack of gum! '' She made it clear that there was a {$95.00} annual fee and the brochure also made that clear. What was not clear, either in the airlines ' presentation or on the brochure/application, was that the {$95.00} fee needed to be paid in the first 90 days. Here are the facts of my complaint. As soon as I received the card, I made a charge on XX/XX/XXXX of {$140.00}. I could have paid it in full as I normally do, but opted for the monthly minimum payment so the card would show activity and that I was paying interest in good faith. I figured it would take several weeks for the miles to post. I called the XXXX number twice in early XXXX to follow up on when the miles would post. I was told each time that it takes a while and to be patient. In XXXX I called again and was directed to Barclay 's to inquire. On XX/XX/XXXX, I called Barclay 's and was told that the {$95.00} annual fee needed to be paid within the first three months. I had paid three {$27.00} payments totaling {$81.00}, so was {$14.00} short of the {$95.00}. I opened a case with XXXX, # XXXX.I contacted XXXX XXXX about their joint offer with Barclay 's , but they said they are not responsible. I pulled out the brochure I'd received believing I had carefully read the stipulations. This complaint is for bait and switch because there are several stipulations highlighted and footnoted on the first five pages of the brochure, at least three of them relating to the {$95.00} fee, but it is not made clear that {$95.00} must be paid in the first 90 days. I received a letter dated XX/XX/XXXX from Barclay 's stating they are unable to assist with my complaint. This response is unacceptable, so I am following up with the CFPB, the Delaware AG office and the XXXX XXXX XXXX I trust organizations like Barclay 's and XXXX XXXX to participate in good-faith advertising and not traffic in misleading promotions. What happened here may be legal, but violates the spirit of the law. Attachments Include : a copy of the brochure/application received in flight, copies of my statements, and the letter received from Barclay 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for Barclays XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX and was immediately approved for the card. I followed up after about a week of not receiving a card and they sent out a new one on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the 2nd XXXX XXXX credit card that was sent to me. I called customer service and the automated robot system told me they could not find an account under my date of birth and social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2019-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
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: Good Day, I disputed two transactions with Barclay Mastercard ( both for the same merchant : XXXX XXXX ). One was the amount of {$2500.00} and the other for {$2200.00}. The total amount of {$4700.00} was for 7 nights lodging in a gated community known as XXXX XXXX in the country of XXXX & XXXX. Upon arriving to XXXX on XX/XX/19, we discovered that the place promised by the merchant was not the same place they were trying to give us. The new place was in a different area that we deem unsafe and also did not have the amenities like a pool that we really wanted. We decided not to stay there and got lodging elsewhere. Transaction was disputed with the card company. Card company provided me with the credit for both transactions, however returned the balance of {$2500.00}. Upon speaking to a representative they told me to send a letter to the company explaining that although the terms and condition stated non refundable, it did not state if the place we paid for wasnt available another place would be provided. I did that. After doing so another representative told me to send in proof showing another place was provided. I did that. After doing that they told me that credit could not be returned because of the non refundable notation. I advise that that also stated on the invoice which would be considered a contract was the neighborhood XXXX XXXX and also that we would be provided a 3 bdr, 2.5 bath, with a pool and that was not given so the contract should be void. The remaining {$2200.00} has not been returned to my account at the moment as a balance. I was told it takes 45 days for the dispute to be finaled ( even got sent a letter stating so ) but now they're telling me I have to wait 90 days and im stressed and uneasy about something that happened months ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2019 I have booked a flight on line from XXXX. The confirmed reservation states that if I cancel within 24h I get full refund. I have verified this information with the company prior to booking. However, XXXX changed my flight reservation within minutes after the confirmation, without my authorization. I called them back within 15 min after receiving the amended reservation ( different flights and dates ) and they told me the flight I have booked on line was no longer available. However, the airline sent me the confirmation. Given the uncertainty, I have asked if there are any charges if I cancel the flight and I was told there is no charge if the cancellation is done within 24h. I went ahead and cancelled the flight within one hour from the changed reservation. However, XXXX went ahead and charged me {$150.00} for the cancellation and another {$33.00} for seat assignment they never assigned with my reservation. I have called XXXX multiple times, unsuccessfully. However, the company seem to have scammed many customers the same way they did to me. There are many complaints with FTC and XXXX about this company. XXXX XXXX XXXX On another hand, I can't dispute these charges with Barclays mastercard . Since XX/XX/XXXX I have been calling them on daily basis and I can't get through their Dispute Center. Each time I have waited between 35 to 45 minutes and have been placed on hold. I have asked the Customer Service to open the dispute for me and the answer is they can't do it. I have asked for escalation and Customer Service is telling me no managers are available at this time. I have made 11 calls to Barclays mastercard since XX/XX/XXXX and still I can't open the dispute. I was also told the only option I will have to send the evidence in, is by mail to a PO BOX . The company doesn't offer any on-line uploads and I have seen there are many complaints regarding this, the company stating they don't receive the evidence in order to force customers to accept fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A