Date Received: 2019-03-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: company reduced credit limit again causing my score to fall due to utilization level, XX/XX/XXXX V {$900.00} they did same last year, XX/XX/XXXX, V {$300.00} they did this after I accepted an offer 0 % apr thru XX/XX/XXXX. I never missed a payment with them, 37 months & counting. I do not use the card, therefore denying them interest.
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: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I logged in online to cancel my XXXX card, after I was told they are raising the fee. The online portal does not have a cancellation option. I called the number on the back of the card and was told that I could cancel until I spoke with a certain rep. I asked to speak with a manager after being on hold for over 25 minutes. They as well refused to cancel my account. It seems that the goal is to make you wait until you get tired and hang up and or yall to some shady sales rep who tries to get you to keep your card. This shouldnt be a difficult process and it should be able to be completed online and or by any rep who answers the phone, or at least a manager. Horrible company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I continue to get phone calls from multiple different named companies claiming that I owe debt from XXXX in the form of a Barclays card. Stating I opened the account in NY. I have lived in Colorado since XXXX and have had no credit cards from Barclays. It does not show on any of my credit reports and I have not had unpaid debt in many years. These companies that call are either named XXXX XXXX, XXXX XXXX or ( I forget the other one ). Each company has claimed that I owe anywhere from {$1100.00}, {$1300.00} or one saying it was over {$3000.00}. All claiming that if I make a payment of half the amount owed we would settle. I have asked for information in writing, or the original debt holders information so I could confirm the debt, however none of the companies would give out that information. Each company has threatened me with " legal action ''. My last correspondence w/ XXXX XXXX ( XX/XX/XXXX ), I stated that they should send me a judgement or " anything '' in writing. I have no problem paying a debt I owe, however it is unwise to pay someone money over the phone especially when I don't recognize the debt. Scariest of all, is they told me my FULL social security number. Not just the last 4 digits. I have since put fraud alert requests in w/ the credit bureaus. Ive called the company back and they will not give me their address, they said they have no website and will not give me any more information about themselves. I asked for the company 's full name and they said it is client services for recovery solutions. I've found no information about them on the internet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80917
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Barclay Savings account, ending in XXXX, in response to a offer for XXXX card members for XXXX bonus points, it has been more than 60 days since meeting the $ XXXX balance requirements and 8 weeks since the promo ended on XX/XX/XXXX - I have still not received my points. I have contacted Barclays via secure email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - each time promised points would be added to account, they have not been.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I initiated a call to the bank on XX/XX/XXXX to complain about the excessive interest ( XXXX % ) that has been charged since inception. The bank called and left message for me on XX/XX/XXXX and XX/XX/XXXX. I called back on XX/XX/XXXX and spoke with a manager at bank and was told nothing could be done regarding the interest rate. The average rate currently charged by credit card companies is XXXX % ; Barclay 's rate is XXXX % or XXXX % points higher than average rate. Barclay 's lending is predatory - they have extremely high interest rates coupled with extremely high credit limits. Virtually all cards now offer rewards so the fact that this is a reward card does not justify such a high interest rate. My current balance is {$34000.00} and most recent monthly interest charge was {$720.00}. The credit limit is {$42000.00}. I have been a cardholder since XXXX. The bank made absolutely no effort to address my issue other than allow me to talk to a manager. They did not want to know specifics about my issues other than to tell me that the Bank isn't currently lowering rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more. This then prompted me to look at my own credit report after not doing so for many years. I noticed that I was reported 30 days late in XXXX of this year. I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to Barclay 's, I was. This must be some kind of error because since 2013 when I opened this account, I have always maintained a low balance and paid on time. But yet, I was reported 30 days late? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Barclaycard with XXXX Rewards account was compromised, and approximately $ 2,000-3,000 in unauthorized transactions were made on my account. I notified the company promptly, and received a letter from Barclays Bank Delaware confirming these unauthorized charges were confirmed as fraud and would be removed ( included with complaint. ) However, approximately a month after this letter I received a call from a woman claiming to represent the " fraud investigations department '' saying these charges would be reapplied to my account and they would not accept my fraud claim. The next day these charges were added again to my balance. I have filed a police report and FTC identity theft report and provided this information to Barclays but these charges have not been removed. Federal law limits consumers ' liability for credit card fraud to {$50.00}, yet Barclays has disregarded this and illegally shifted liability to the consumer in excess of this mandated maximum amount. Consumer protection and documentation is needed to ensure the scale of these actions is notated so the CFPB can investigate and take action if this practice continues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/XXXX I applied for barclay black card Was denied because I have sufficient credit Even though I only have two credit cards. I have great income and my debt to income ratio is perfect. I Was asked why I do not have credit prior to XX/XX/XXXX, thats simply because I was XXXXyears of age. They made their decision based on that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: We applied for a credit card with Barclays bank after recieving the mailer that promoted the rewards etc for the Luxury black card with Barclays bank. We opened the account and we used it twice and paid the balance off. The card cost {$450.00} annually and the way we justified this expense was the great benifits that the card offered. We had it open for several months and then Barclays sent us a notice they closed the account. We asked for the {$450.00} back and the rewards we had built up. We were told from multiple customer service and credit card management employees of Barclays that we would not get any of the {$450.00} back or the rewards. They offered no reason and no solution. We basically were robbed of {$490.00} in a matter of several months. Please help us resolve this. If others are being robbed the Barclays should be stopped from doing this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93010
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A