Date Received: 2019-03-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I accesses the Barclays website because my card was declined for a past due balance. I completely forgot to add the auto payment when I received my card. That one was on me. So I went online and added my bank info, made a payment, set up paperless billing and set up recurring payments. I thought my account was ready to go just like all my other accounts. I have a perfect credit report and I do not carry balances on my credit cards. Fast forward 2 months to today ( XX/XX/XXXX ) and I tried to make another purchase on the card and I was told that it is declined. I call the bank and I am told that I have a large balance that is past due ( it was due XX/XX/XXXX ). I tell them there must be a mistake because I set up auto payments. They tell me I did not. I think there is a bank website error. The Escalation manager is unwilling to help me even though I told him that I am planning to pay the entire balance on the card today. He said that he can not provide a late fee waiver because one was provided previously unless it was a bank error. I told him that I think it was a bank error, but he is unwilling to help me and unfairly accuses me of not setting up my account properly even though he can clearly see that I had accessed the site in XXXX and had performed all the actions stated above. I have had nothing but problems with this Bank from the day I signed up for this rewards credit card and it has been the worst customer service experience that I have ever had. I work for a very reputable bank and we would NEVER treat our customers this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84096
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My application for a barclays Card was denied. The reason for the denial is that I have sufficient Credit on another Barclays Card that I have had now for about 3 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Today, XX/XX/2019, I received an email alert from " XXXX XXXX '' informing that my credit score had dropped. I checked my credit report and it showed up a " delinquent account '' on my credit card ending on XXXX, from Barclays, for the amount of {$99.00}. I don't use this credit card for almost a year, but then I checked to see what had happened, an then it showed an amount owned due to an annual fee. Fee has already been paid, then I called Barclays to see if they could confirm the payment and remove this information from credit report. They refused to help and informed me that my only alternative was to contact the credit bureaus and open a dispute. I've had this credit card a while but havent been using it. Never received a letter or a single phone call from them, informing of any past due annual fee. There was no annual fee before, I just realized that they were allowed to charge this fee after a certain period of time, but that was not clear to me before and like I said, I did not receive not even one phone call or message from them informing about a past due fee. the payment was provided, I just want them to remove the incorrect information from my credit report. Main issues that I see : 1. Information about the fee was not clearly disclosed to me ( if there was a fee, when they exactly would start charging it ) since there was no annual fee before 2. Never received a letter/email/phone call about the fee. 3. Not one single notice via email/phone call or written letter about a past due fee before they would just send my information to the credit bureaus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
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: Barclays US closed my account in XX/XX/2018 when it had a balance of {$2700.00}, I was paying it off as fast as I could because I already knew it was way over the limit. It was hard trying to pay this off when I was college student because my dad promised me that this would be off my paid off but then I got stuck paying for this out of pocket myself when I was in college. So I was always communicating with Barclays about the payments especially when I ran out of money when I paying bills. But I have XXXX delinquent payments on my account credit report, I did not know I had two 30-day late payments and one 60-day late payment until it already posted on my account. They did not once email or call me to inform me about these late payments until it was already reflected on my credit report. I was also not contacted about my my account closing until I logged in one day on their website, I always used their app to pay my bill, and they closed my account without my knowledge!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for the XXXX XXXX from Barclays Bank. The card included an introductory offer of XXXX XXXX XXXX points awarded after a purchase has been made within 90 days and the annual fee has been paid. The terms stated that the award would be posted '' after making your first purchase in the first 90 days and paying the annual fee. '' I made a qualifying purchase within the first 90 days ( on XX/XX/19 ), and paid the annual fee ( as reflected by the zero balance in the XXXX statement ), but the company has refused to honor the rewards offer, stating on the phone that the terms say that the annual fee must be paid within 90 days, and was only paid after that time. However, the terms clearly differentiate between the initial purchase which must be made within the first 90 days, and the annual fee upon which no required time-frame is specified. While initially, customer service representatives from Barclays denied my request for them to approve the claim, ultimately on XX/XX/XXXX, XXXX supervisor did approve the request, stating that many customers have been calling in regarding the issue of ambiguous terms in the reward offer, and that Barclays has decided to honor these request. The representative was quite clear that the points would be reinstated, only adding that it may take one billing cycle for the points to appear. However, I subsequently received a letter from Barclays stating simply that " we are currently unable to assist you with your rewards issue. '' Upon calling customer service, I was informed that the company was denying the request. There was no record of the approval from the supervisor in the conversation on XX/XX/XXXX, although the representative did acknowledge that there was a call at that time and that all calls are recorded. I subsequently initiated another inquiry on XX/XX/XXXX, this time asking that the details of the case be notated - including the conversation with the supervisor on XX/XX/XXXX. I have recently received another communication from Barclays, again stating that " we are currently unable to assist you with your rewards issue, '' with no further explanation given.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XX/XX/XXXX-XX/XX/2019. The 30-day late payment is for annual fee which I was not aware I had to pay. Months back we tried to use the C.C and it did not work therefore I assumed that the account was closed. I was aware of this incident because I was informed my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$10000.00} deposit for the property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: It's about Barclaycard visa card. I applied and received this visa card since it offers promotional interest for large purchases. I used it to buy a laptop and an XXXX at the XXXX XXXX. At the time of the purchase, they offered 2 year deferred interest as long as I paid it off before the promotional period. I have been making extra payment to pay off the promotional balance. However, I noticed that there's still a residual balance even after I paid more than the statement balance. I called their customer service on XX/XX/19 and spoke with their representative and their manager. I was told there's nothing they can do because that's the way their system is setup. What has happened is their system has been applying my extra payment to transactions after the statement cut off date first. Therefore, even thought I've been making extra payments, it does not and never will be applying to the deferred interest balance. The only way is for me to clear the deferred interest balance is to make a payment for all transactions as of the date the payment is received by XXXX, regardless of what the statement balance shows. What does not make any sense is this is a Visa card. All payments should always apply to the balance on the monthly statement first, not transactions happened after the statement cut off date first. This is not a debit card. I think they do this on purpose so that they can charge consumers extra interest without formally telling them how they setup their system. Once again, another corporate fraud trying to trick honest, hard working American consumers. I think XXXX not only needs to revise the way their system is setup, but also need to pay a fine and penalty to all consumers impacted by this fraudulent setup. This is another fraudulent act triggered by corporate greed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93619
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My social security card was stolen with lots of my document in the year XX/XX/2017 during XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2019-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After months of inactivity, Barclay card sent me a letter on XX/XX/2019 closing my account and imploring me to contact them to inquire on rewards redemption. After being unable to resolve my issue a case was made to resolve my rewards issue and on XX/XX/XXXX a letter was sent out informing me they were unable to assist me. an inquiry call on XX/XX/XXXX informed me that my rewards had been forfeited, my accounts closed, and that i would still receive another card statement on XX/XX/XXXX despite the account closure. yet the XX/XX/XXXX account statement still shows the XXXX $ worth of travel rewards that had yet to be used and no notice of the account closure. Prior to the closure of this account, no warning or impending notice of an upcoming closure was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This account has been disputed several times. This account was open up when I was a minor. It does not belong to me. Barclay Bank XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A