Date Received: 2019-04-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom it concerns : Ref : Account # XXXX have a major concern because I paid off my acct on XX/XX/2019 I then called to close my account on XX/XX/2019. Barclays rep then told me that my account was at a zero balance and closed. as of XX/XX/2019 i never received anymore statements until the day i called on XX/XX/19 LATER the credit agencies alerted me that i was past due 60 days. i then called and i was told that an investigation would be formed in order to see if Barclay rep mislead me, i was glad that someone was going to look into this huge mistake in order to fix my credit bureau that has taken XXXX decades to perfect. I called again to make sure that this investigation would indeed occur then received a call from Supervisor ( # LASEM ) she had me on the phone for over an hour informing me that no investigation would occur and that i had to right this letter. ( # LASEM ) offered no help with my situation appears that this was done in spite of me paying my account. i have been a great customer to barclays and i sincerely beleive that this is a violation of .The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I've had a credit card with Barclay Rewards Mastercard for 4 years. When the card was issued, my credit rating was not good so that I understood the high interest rate of 25.24 %. Since getting this card, my payment record has been excellent. Like many others, I make my payments without looking at my balance. However, when I received a payment reminder a few days ago, I realized that the last payment I made for {$110.00} didn't make a dent in the balance. When I checked further, I found that only $ 40+ was applied to principal and $ 60+ added for interest. In checking back to 2018, I discovered that I paid {$830.00} in interest, 55 % of the amount charged on my account. I have called, and then emailed Barclay to ask for an interest rate reduction, but it was declined. Since I had not used this credit card until the last couple of days, most of the charges on the account were for interest. This seems to me to be unconscionable and something should be done to stop this practice of interest upon interest, usury??? I have been toying with the idea of just stopping payments or filing a Chapter XX/XX/XXXX, but would appreciate it if you could help so that I won't have to take these measures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: XX/XX/XXXX I was on the XXXX XXXX web page and I was looking for a credit card that would not charge a fee to do a balance transfer. I put on the application that I would want {$8000.00} but I did not complete the application when I read the terms of agreement and saw that they charged a 5 % fee on balance transfers. I simply closed the web page not authorizing or requesting or agree to an account with XXXX XXXX. Barclays took it upon themselves to send XXXX XXXX XXXX {$8000.00}. I did not identify that I wanted the money to go to XXXX. XXXX acceptable the money from Barclays even though my XXXX account was balance-free and closed. XXXX then took XXXX of the XXXX and sent me a check for the balance. I never received the check. Barclays begins to email me and telephone stating I owe XXXX to them for the unapproved balance transfer. When I first spoke to a Barclays representative I asked, do I need to get the money from XXXX? I was told no, that this would be seen or processed as a fraudulent claim and therefore I was in no way responsible. I then received a letter from Barclays stating that I was in fact responsible and that I had gotten deep enough into the application whereby I was procuring their services and so I did request the money. I never received a credit card from XXXX XXXX, I never activated a credit card and I do not know this account 's number. Next I spoke to several representatives on Friday, XX/XX/XXXX where time and again they would say to me, we aren't going to go round and round with you, you have the money, pay it back. Not once did anyone listen to me that I didn't have the money, that perhaps they should be contacting XXXX to see if they had the money and that I simply could not understand how I was responsible for this faulty and misleading transaction. I was treated like a liar and a criminal when in fact I believe that it was Barclays who was subjecting me to unfair business practices and dishonest and unreasonable expectations. The matter was resolved on the phone when XXXX, a Barclays rep and XXXX, a XXXX XXXX XXXX agreed on a 3-way call that XXXX would send Barclays a check in the amount of XXXX and stop payment on the check that was sent to me by XXXX for XXXX minus the XXXX fee that they kept. All of this simply did not need to occur if the first representative I spoke with at XXXX XXXX had listened to me when I stated that I had not completed the application and my husband and I had gone to our credit union, secured a personal loan that included paying off the XXXX XXXX balance and subsequently closing that account so that I didn't feel I have any responsibility for retrieving their misplaced balance transfer. None of this was pleasant and it took up countless hours on the phone and online trying to get them to listen to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61455
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: BARKLEYS WILL NOT CLOSE THE ACCOUNT ... I HAVE ASKED THEM BUT THEY HAVE NOT DONE IT ... THERE IS NO MONEY OWED TO THEM ... ITS PAID IN FULL ... I WANT IT CLOSED SO NO ONE GETS MY CARD INFO AND CHARGES TO THIS ACCOUNT ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 2 TIMES 3 DAY PAYMENT : XX/XX/2016 ; XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card with Barclays and the customer service rep ( XXXX ) asked me what was my race. Also asked me how far do I live from Washington DC! Came back to the phone and denied my credit card. I asked the rep to tell me why my application for credit was denied, and I was told I have negative items on my credit file which is definitely not true and can easily be proven. When I asked him which bureau pulled my report,, He told me XXXX which was another lie. I have proof that my report was pulled from XXXX! The rep couldnt give me one name of any account that was delinquent or any type of derogatory info.. As a consumer I have a right to not be discriminated against because of my race nor should I be asked as a deciding factor what my race is. I also have the entire conversation recorded where this representative [ XXXX ) asked me what is my race before making a decision to deny me credit. Before I do my reviews online, release this recording on XXXX, file a complaint with the attorney generals office and contact media XXXX on your side,,, I wanted to officially file a complaint today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
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: On XX/XX/XXXX, I purchased a {$2000.00} Camera on XXXX. The camera was never delivered although tracking showed XXXX delivered the package to my front door. There was no signature confirmation from me and I expected they required that for such a high ticket item. I reached out to XXXX & the seller. The seller just stated that his tracking showed the item was delivered so he created a dispute within XXXX. At that point I needed a camera so I called my credit card company to see what they could do. I told them that my tracking showed delivered through XXXX, but the item was not received. They told me not to worry about it and that they would issue a provisional credit and get it resolved. A month later I received a call stating that my chargeback was denied and funds were withdrawn out of my account again. They stated XXXX presented sufficient evidence that item was received. When I received the details, all ebay sent was a tracking number stating that the item was delivered. That was the reason I called Barclays in the first place. From there I kept calling and the Barclay reps kept telling me to send in letters explaining the situation to try to re-open the case. After 3 letters they just kept telling me they couldn't re-open it. They told me I needed to handle it through XXXX XXXX XXXX. When I reached out to XXXX & XXXX they stated that since I opened a chargeback, their hands were tied. Had I kept the dispute with ebay open and avoided the chargeback, XXXX would have been able to take care of me as they require signature confirmation for anything over {$700.00}. I called Barclays back to explain the situation and how this could have been avoided had the Barclays rep told me initially that my claim would be denied if I had a tracking number which shows delivered. They gave me the same answer so I had it escalated to a supervisor. Days later a supervisor from Barclays called me back and I got her and XXXX on the phone together for a resolution. No resolution was met and ultimately both parties stated that there wasn't anything they could do. I feel that Barclays & their poor policies have stolen {$2000.00} from me. XXXX & XXXX at least were very upfront with their policies from the start, instead of trying to please the customer and then later taking back their word. This is a large amount of money and I am so upset that after almost 4 months, nothing is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2019 I was purchasing seats on a round-trip flight when I noticed a promotional banner ad encouraging me to sign-up for a XXXX credit card ( with a {$100.00} account credit if I used the card for the XXXX flight I was purchasing. ) I applied and was approved for the card, but when I was navigated back to the checkout page I was informed the rate / fare for the seat had increased! When I was finally able to re-confirm my seat I noticed the price of the seat had gone up by {$70.00} ( effectively negating the discount I put a hard inquiry on my credit report to get in the first place. ) This seems like complete bait-and-switch to me when the price goes up at the same time I am approved for a credit of nearly the same amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: Barclays us bank deleware FDIC complaint # XXXX ) that was referred to the cfpb in XXXX XXXX not yet recorded on my file at the cfpb barclaysusbank of deleware accessed my personal credit reports eleven years ago and put a joint liability Undesignated owner account With beneficiaries Unknown to me It has remained on my credit without my knowledge or authorization for eleven years I reported it to the fdic after pulling my credit after being denied a loan in XX/XX/XXXX I have been trying to obtain the account history of all monies transferred in and out of these accounts and purchases ever since via email mail and phone Their barclaysusbank letter of XX/XX/XXXX stated That a copy of the electronic application was enclosed with their correspondence It was not Also as joint owner of the accounts I have lawful rights to obtain the information regarding the transactions of this account And all the Names of the beneficiaries And monies used transferred and money instruments purchased thru the luxury us bank My credit report specificAlly states UNDESIGNATED OWNER
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX I responded via telephone call to correspondence I received in the mail from Barclays offering a balance transfer for my XXXX XXXX. I was approved over the phone for the requested amount of {$2100.00} and was advised that the funds would be transferred into my XXXX checking account. The following day, XX/XX/XXXX, I received a phone call from XXXX and was advised that the transfer had been cancelled because my checking account could not be verified. It was not made clear to me why Barclays could not verify the account. This was concerning to me for two specific reasons. One, I had already sent payments to my other credit card companies assuming that this Barclays electronic transfer was in progress. Two, the bank account I provided was accurate as the representative confirmed the account number I had initially given and the account is in my name alone. There was no reason to cancel my transfer. I have had electronic transfers into this account before with no issues. Given I had already made financial moves based on this approved balance transfer I requested that Barclays re-process the transfer. I was told that they could not do an electronic transfer and that I would have to go online and reapply, requesting a check be mailed to my bank. I did as advised. To-date, I have not received the funds but my Barclays account still indicates that I owe the funds. I have called in several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and been advised several times that the representative is opening a case so that this issue can be investigated by Barclays. I was told that this investigation would take up to 30 days. I was advised by XXXX on my last call that her records show that the check has been processed as of XX/XX/XXXX ( a Sunday ) by my bank and that maybe I should call my bank to see where the funds are or ask them if they cashed the check. This outraged me because Barclays should be able to confirm without a doubt, whether this transaction occurred. I dont understand how I am supposed to investigate a Barclays transaction. So I am supposed to prove that Barclays didnt give me the funds? Thats ridiculous! At the very least, Barclays should be able to present to me the documentation they have confirming that the check was processed and who at XXXX processed it. XXXX advised that she didnt have the documentation confirming the transaction, but that she would mail it to me when she receives it. So far, I have not received anything. On XX/XX/XXXX, I called XXXX to confirm whether they had received a check for my account from Barclays and they confirmed that they have not. They also confirmed that there is no transaction on my account reflecting deposit of the transfer. This is my first experience with Barclays. I have not had this card for a year, but I am regretting my decision to do business with this institution. I have requested balance transfers from other financial institutions and never had anything like this happen. At this point I really feel like someone inside of Barclays is scamming me. I also feel like I am not getting the customer service that I should be receiving for this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A