Date Received: 2019-04-29
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 made a purchase from XXXX and open a credit card offered on their site. The order was incorrect, incomplete so XXXX sent prepaid return label. Therefore, this account should be XXXX until the items are repurchased. The new purchase is scheduled to take place XX/XX/2019 when the XXXX XXXX agent call me to correct and place a new order.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: XX/XX/XXXX I purchased XXXX XXXX smartphone at {$890.00} with the tax amount of {$53.00}. Total amount is {$950.00}. XX/XX/XXXX The price of XXXX XXXX smartphone is reduced from {$890.00} to {$740.00} by {$150.00}. The promotion term was : Save {$100.00} on XXXX XXXX or save {$150.00} on XXXX XXXX XXXX. Starts XX/XX/XXXX at XXXX PT and ends XX/XX/XXXX at XXXX PT, while supplies last and subject to availability. US residents only. Must be 18 years or older. Unless otherwise stated, offerer can not be combined with other offers and is not transferable. Purchase must be made on XXXX XXXX US. Not valid for cash or cash equivalent. Void where prohibited. XX/XX/XXXX I filed a claim for price protection # XXXX with the MasterCard Assistance Center. XX/XX/XXXX I received {$53.00} amount of check. XX/XX/XXXX I called MasterCard Assistance Center ( XXXX ) to clarify the claim amount as {$150.00} NOT {$53.00}. And they say they will report to the claim examiner. XX/XX/XXXX I again called MasterCard Assistance Center about the claim. Claim examiner said the promotion terms are not valid price because they are just terms. I claimed the store website showed only the original price and discount amount as terms so I attached the valid promotion terms but it was rejected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
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. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance.
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: 2019-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a credit card account open with Barclay card. I stopped using it around XX/XX/XXXX or XX/XX/XXXX. The balance at that time was {$2700.00}. I have been making a payment of ~ {$70.00} every month for 6 years for a total of approximately {$4900.00}. In that time only {$600.00} has been applied to my balance. My credit card still has a balance of {$2000.00}. They have charged me approximately {$4300.00} in interest on an original debt of {$2700.00}. I have paid them close to double the amount of the original debt, yet only {$600.00} has been applied to my balance. I have called and they will not work with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/2019 I received a letter from one of my credit card companies named " BARCLAYS ''. I'm not a new card holder with BARCLAYS, but I've been holding their card for many years. I was shocked that Barclays was the ONLY bank from the banks I hold their cards, asking me to confirm my name, physical address, and the thing that offended me the most is questioning my citizenship ( see their attached letter/copy ). I took offence because they are claiming the USA Patriot Act is the reason for their questioning, at the same time, NO other banks sent me such letter and I have few credit cards! I want your office to understand that I don't have checking, saving or any other accounts with Barclays except the credit card ending in XXXX. I'm the sole user of the card that I been carrying for few years. I'm not convinced that EVERYONE that is a credit card holder with Barclays was mailed this exact letter. My belief tells me this is a " Racial Profiling '' case. I'm wondering if my name for example was " XXXX XXXX '', would I have received such a letter? I am a U.S. citizen living in the U.S. for the past 38 years. I'm filing this complaint with your office with the recommendation of State of Minnesota Office of The Attorney General, to investigate if Barclays sent this exact letter to ALL of their credit card holders OR only a selected few. As you can see in their letter, in bold lettering they are threatening to close the account by XX/XX/2019 if I refuse to submit the information. I'm more than happy to close the account myself if indeed it turns out to be racial profiling. Thank You.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55068
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
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 placed an order with XXXX XXXX on XX/XX/19 {$110.00} using my Barclay 's credit card. I did not hear from XXXX so began emailing them on XX/XX/19 and 2 other emails ; no response. I then called phone number and got a recorded it was disconnected. I immediately called Barclay 's to report a fraud. They acknowledged my dispute with a letter on XX/XX/19. Subsequently, i did receive a package from XXXX but it did not contain the correct size i had ordered ( i ordered a womens size XXXX and got some type of extremely small size that i could not even pull up over my thigh, and i am XXXX '' weigh XXXX ), and i rec 'd this package after i filed dispute, after i emailed the company to stop my order. i suspect the company shipped whatever was on their shelf after i filed the dispute. on XX/XX/19 i recd a call from Barclays, who said they could not help me on the dispute and were processing the charge because the client shipped something. nevermind that what they shipped was not correct and their phone number is disconnected and they dont ' respond to email. all disregarded by Barclays phone rep, XXXX with Barclays said i had to take it up with XXXX XXXX. Well, how can i do that, no phone number and no email address. i think they are bankrupt or something. why would barclays not do a charge back for a clear fraud situation. they could have shipped me a toothpick and barclays says well they shipped you a package, so now you have to resolve. makes no sense. surely we have better consumer protection laws than this. why would Barclays ' support fraud by paying them. anything i can do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I contacted my credit card company and asked for a reduction in my very high interest rate of XXXX. I explained my financial hardship and spoke to XXXX different customer reps. I am a single mom with XXXX children. I am paying so much in interest that I will never pay this card off. I'm frustrated because I want to pay off my debt. I was told that I need to be delinquent before they can help me. I asked for a payment plan where I can pay around XXXX dollars a month and get this paid off asap. I also said if they needed to close my account to do this, I was willing to do that. They said I had excellent history but had no offers at this time to help me. They also didn't want to lose me as a customer. I have tried numerous times to work with them. Do I need to not pay my bill to get help?? Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been asking this company to remove this negative item from my report with no luck, they claimed to have an address other than my address on file. I have provided proof via fax- mail and CFPB please help me to have this removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XX/XX/2019, I received a Barclays AAdvantage Aviator Red Mastercard in the mail. Upon opening and reading the associated terms and conditions, I saw that there was an annual fee of {$95.00} that I was responsible for paying to use the card and account. In that same month and for months after on four separate occasions, I have contacted card services at XXXX to close this account. I never activated this Mastercard and have tried to close the account several times only to keep receiving statements to pay the {$95.00} annual fee as a balance. Most recently, on the date of XXXX XXXX, 2019, I was sent a letter from Barclays notifying me that my account was closed on XXXX XXXX, 2019, but that as of XXXX XXXX, 2019 there was a transaction balance of {$95.00}. XXXX in purchases even though the account was closed and the XXXX was never activated, nor had any purchases associated with it. Moreover, I believe that there may be some unethical practices used by Barclays to list this fee as a purchases balance therefore subjecting the balance to interest and late charges even though once again the card was never activated or used for purchases, and immediate actions were made to close the account by me. According to the Fair Credit Billing Act, I've formally disputed this with a written letter to Barclay 's using certified mail, and included all letters and statements sent. The letter was delivered on XXXX XXXX, 2019 and they wrote a response on XXXX XX/XX/XXXX which leads me to believe it was never investigated. All correspondence mentioned is provided as attachments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
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: XX/XX/XXXX requested balance xfer on line of {$850.00} to pay XXXX XXXX CC ending in XXXX. Called about 10 days after requested to confirm why not processed. Advised " It takes times ''. Assuming they sent check I waited a few more days. On XX/XX/XXXX opened a formal investigation. Was told 10-20 days, with no specification of business or calendar days. Since this time, I have made repeated calls to Barclays Bank and been provided with multiple responses ( ie., takes 10-20 business days - could take up to 3 weeks - takes 45 calendar days - takes 60 calendar days ). Issue has to do with account # at XXXX XXXX wihich appears to be incorrect. They will not tell me if this was my error or if they had an input error when processing. They will not provide me with steps taken to contact XXXX XXXX, instead recommending that I contact XXXX XXXX, Will not advise how the funds were xfered., ie, electronic check, paper check, ach credit. Have spoken with supervisors who continue to advise issue escalated. Received no written communications, although was promised they would send communication on XX/XX/XXXX. Called today, and received same response, that I could call back in 60 days which would be XX/XX/XXXX to see " if '' resolved. This CC company has not provided consistent information on how the process would be handled. Getting the proverbial run-around. I will call again on XX/XX/XXXX to see if they provide me with a resolution. However, after being in banking/investigations for over 40 years, this has been handled very poorly. The customer service process appears to be outsourced to a 3rd party and each have " scripted '' responses, with no sense of urgency on when and how to escalate. Without being judgmental, as I am hearing impaired, I find the verbal communication skills extremely lacking. In today 's world of automation, it is unacceptable that it would take 60 calendar days to contact an intended recipient ( in this case - XXXX XXXX ) and resolve the issue. All transactions have trace # 's and should be easily identifiable. Contingent credit for disputes should be granted after 30 days. Consumer should not be affected due to companies inability to handle an issue timely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A