Date Received: 2019-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been trying for three years to dispute a credit card on my credit report. I have filed with XXXX with no results. It is Barclays Bank Delaware for {$460.00}. This is not my account. I am a victim of identity fraud. I have never had a visa or mastercard issued by this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 224XX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I received a letter from Barclays about my Master Card credit card that was being closed because of inactivity. I had not used the credit card in several months. However, I had {$10.00} built up as cash rewards. On XX/XX/XXXX I had been told at the number XXXX, if my card was closed, they would mail me a check for {$10.00}. I put the card away and kept using the credit card I normally use which is not a Master Card. I called the XXXX number onXX/XX/XXXXnd spoke to a XXXX, Manager. He said they could not give me the {$10.00} because I did not have {$50.00} built up. He reinstated my credit card and put the {$10.00} back on it. He was real nice ; however, I think they should have sent me the {$10.00} as the person on XX/XX/XXXX had told me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Informed Barclays on multiple occasions - beginning in XX/XX/2018 - that XXXX XXXX card was fraudulently opened in my name. Barclays refuses to close card and turned it over to collections. Multiple other credit cards were fraudulently opened in my name in summer XXXX and all were closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70808
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hi, my name is XXXX XXXX XXXX and this is regarding my account ending in XXXX. My Account ID is XXXX ( provided by Barclays representative ). If you need any additional info to verify my ID, please kindly contact me as well. This is regarding the fraud charges on my account. The charges, from what I can see so far, are as below : XXXX, XX/XX/XXXX, - {$16.00} XXXX, XX/XX/XXXX, {$14.00} XXXX, XX/XX/XXXX, {$16.00} XXXX, XX/XX/XXXX, {$29.00} XXXX, XX/XX/XXXX, {$44.00} XXXX, XX/XX/XXXX, {$84.00} XXXX, XX/XX/XXXX, {$4.00} XXXX, XX/XX/XXXX, {$170.00} XXXX, XX/XX/XXXX, {$64.00} XXXX, XX/XX/XXXX, {$48.00} XXXX, XX/XX/XXXX, {$17.00} XXXX, XX/XX/XXXX, {$17.00} I have explained my case to Barclays before over the phone, including the last phone call onXX/XX/XXXXXX/XX/XXXX, at about XXXX pacific time. I have an accent and English is not my mother tongue, so I feel that there may have been a few misunderstandings along the way and I would like to use this chance to clarify on everything as well. These transactions are NOT made by me, nor my wife, nor anyone authorized by me. They are NOT made on my, or my wifes, taobao.com account either. If you would like, I can provide you with the username and password where you can login to our accounts to verify if we had made those purchases. My wife has shopped at this merchant before. XXXX is a very big company that is owned by XXXX, and is a very big company that does businesses in many areas, including online shopping, mobile wallet payment service, food delivery service, grocery delivery, etc.. They are somewhat like the XXXX equivalent of XXXX / XXXX so it is not surprising for anyone to have shopped there before. And because of this, it is unfair to deny my claim simply because we had dealt with this merchant before. As an example for illustrative purposes, Ive shopped at XXXX XXXX XXXX, and XXXX before. Does this mean that I am going to be responsible for any fraudulent activity that occurs at any of the above merchants simply because Ive shopped there and dealt with them before? Would the same rule apply to you as well if one day someone made fraudulent charges on your card at a merchant that you have shopped at before? Our contacts thus far to this merchant has not been of any use. After speaking to a Barclays representative last night ( XX/XX/XXXX ), I had attempted to contact the merchant again. My wife had tried contacting the merchant as well. This is a summary of my contacts with the merchant : Merchant has not been able to help much at all, if any. Merchant is a huge company, so during my attempts to contact them, Ive been transferred around to several different departments who kept saying that another department is in charge, such as the international department should have been the one in charge of the account, and then someone else would say that we need to talk to the finance department, vice versa, etc., and everytime it took a lot of time and effort to reach the correct department that is actually able to or willing to help. Merchant has refused to disclose / been unable to disclose any particulars of the orders, including the address where the orders were shipped to, email address associated with the orders, etc. Merchant recommended that I contact my bank instead. As such, these transactions are fraudulent. To reiterate, I did NOT authorize anyone to carry out these transactions, nor do I know who carried out these transactions, nor did I do these transactions. I have NOT received any benefits, directly or indirectly, from these transactions as well. On Barclays website, it states that : With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen or breached - online or offline - you're protected. Based on that statement, I ought to be protected, no? These purchases are unauthorized, and therefore according to your statement, I shouldnt be held responsible for these unauthorized transactions. I hope that Barclays can investigate these transactions and come up with a fair conclusion. It is extremely unfair to put the burden of these transactions on me simply because my wife had shopped at this merchant in the past. If you need to reach me, please kindly reach me at +XXXX, or through email at XXXX. I am ccurrently traveling overseas, so I am unable to receive any physical mail correspondence. Thank you once again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My wife and I applied for a Barclaycard credit card that offered a 0 % balance transfer. After we received it, we called and asked if we could use the card for a major life expense coming up ( {$15000.00} ) instead of a transfer and still get the 0 % deal. We were told yes, we could. We also had to ask for the credit line to be increased to {$15000.00} to accommodate this new expense. It was increased. We asked again to make sure we would have this expense at 0 %. We were told again, yes. But we had to pay the expense within a few days time in order to take advantage of the 0 % offer. ( We were both on the call and were both XXXX, we always confirm everything multiple times. ) We paid the expense the next day. Then our first bill lands with a hefty 17 % interest rate. We called to complain and were told, basically tough luck. We asked to speak to a manager, and went through the whole story and asked if they could change the terms to a 0 % card as we were promised. We were told no. We asked if they could review the tape of the first call. We were told no, that's not possible. The manager agreed that there was no reasonable way wed sign up for a card at 17 %, but they could not change it. However, she would forward it to a higher ranking manager to review the situation and get back to us within 30 days. ( This became XXXX XXXX # XXXX ). After 30 days, we called them back and were told, again, tough luck. They admitted we were given wrong information ( i.e. we were lied to by their employees ) but still insisted it was our fault. ( Oh, and that department does not call back customers we were told this time. ) Its outrageous that they're so unethical and unaccountable that they freely admit that they give out wrong information ( i.e. lie ), and then refuse to rectify the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2018 I started a balance transfer between a new Barclayscard and an existing XXXX XXXX credit card. In mid XXXX I got charged with a fee by XXXX XXXX for lack of payment. Once I contacted Barclays they said they send the funds. After many calls they started an investigation and told me it will take 25 business days to track the funds. Friday XX/XX/XXXX was the 25th day and no supervisor in customer service has an answer. During this time I have paid Barclays {$600.00} for monthly payment and have been charged interest and late fees by XXXX XXXX. I feel helpless because Barclays did not meet their own deadline and all I am told is to wait for a decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclays Bank charged me an {$89.00} annual fee in XXXX associated with my XXXX XXXX XXXX credit Card. Several days later they notified me via email of changes to the terms of the card benefits and agreement and would not refund the fee that has already been paid. They charged me a fee and then did not fulfill the terms of the agreement associated with the fee. The Fee should be waived or refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-09
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 tried to make a balance transfer of {$20000.00} into my checking card per a promotion that XXXX was having. I kept checking to see if the money had successfully transferred, but after a week, I noticed it still was not reflecting in my checking account, although on my XXXX account, it was showing as done. After calling XXXX, I was told the money was transferred into a XXXX credit card account that does not belong to me. Apparently, the XXXX account has the same account # as my XXXX checking account, and come to find out, the balance transfer promotion was for credit cards only. I explained the situation to whoever I talked to and they promised to resolve it and get the money back into my XXXX within a week. A week goes by and the money is still not in. I check back about 5 times and Im told something different each time. XX/XX/XXXX, a month after this issue started, I call back and Im told NOTHING was done to try to resolve the issue so the complaint would be transferred to the escalations team and be resolved in a week. Another week goes by and nothing is resolved. Meanwhile, my monthly payment is due, Im trying to purchase a house, and things arent going though due to this issue. I called today to follow up, and again Im told nothing was done, and that I need to contact XXXX and get the issue resolved with XXXX. How exactly do they expect me to contact XXXX and ask them to give me an amount of XXXX dollars back when the credit card company is the one who worongfully transferred the money to them? I am beyond frustrated that it has been almost 2 months, and this issue hasnt been resolved. Im still having to make monthly payments on money that went to someone else, and on top of that, I am unable to close on a house as a result of this. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92203
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2019-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for a XXXX XXXX Card through Barclay 's because of the promotion stated below. " The XXXX XXXX Card will allow you to earn XXXX bonus points after spending {$1000.00} on purchases ( that are not later returned or rescinded ) with your XXXX XXXX Card within 90 days of opening your credit card account and paying the annual fee. This one-time offer is valid for first-time cardmembers with new accounts only. Your bonus points will be deposited into your XXXX account 4-6 weeks after your qualifying transactions have posted. '' I met the above stated requirements ( statement attached ) and the bonus points have not been transferred to my XXXX account with XXXX. I called Barclay 's twice, because a statement for the month of XXXX, 2019 has not been generated although a payment of {$1100.00} was made on XX/XX/2019. The first time I called XX/XX/2019 I was told that if there is no activity no statement is created. I called again on XX/XX/2019 and was given the same reason but when I mentioned that a payment was made I was then told that they were having problems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A