Date Received: 2019-03-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I deposited {$300.00} on my XXXX Credit Card with Barclay Bank on XXXX XXXX, the payment was received into my account on XX/XX/19 but a hold was placed on the funds. I am not able to use the funds that I need for purchases, when I called Barkley bank they said they are holding the funds until XXXX XXXX because they do not know if my Bank ( XXXX ) may rescind on the funds? I told them the funds have already been taken out of my account but they still insisted that they will keep a hold on my funds until XXXX XXXX - I would like my funds released so I can use at will, I have never had funds held by a credit card company before and this does not make any sense whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
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: Dispute claim : Case no : DBO - XXXX XX/XX/XXXX I paid an individual who works at a company that I hired to represent me until an issue is resolved. He was paid in full XXXX. He quiet on week prior of the date resolution was expected ( XX/XX/XXXX ). Resolution was to take place on XX/XX/XXXX. The company did not complete the work and the research was done incorrectly ( supporting documents submitted to dispute dept. XX/XX/XXXX ). I filed a disput with my credit card company that I used to pay the fees, Barclay Bank of Delaware. The dispute was filed in XX/XX/XXXX. I never received correspondence advising of the results. I contacted the dispute department on XX/XX/XXXX. I was informed the dispute was closed and charges of {$5500.00} had been placed back onto my account. I was informed I had the right to reopen the disputed charge. I informed the representative that I would not have the results until the issue is closed which was scheduled for late XX/XX/XXXX. She informed me shewas resend the letter via email, refused to email or fax the letter to me, she was reminded the issue would not be resolved until end of XX/XX/XXXX, which she acknowledged and stated to resubmit my dispute as soon as the issue was resolved and to fax the dispute. There was no mention of a timeline ro submit my resipute. The issue was resolved XX/XX/XXXX and documents where ready for reproduction until after XX/XX/XXXX. I submitted a fax to disput department on XX/XX/XXXX, that included the issue resolution results, billing from the company that demonstrates large amount of hours charged for research that failed at resolution. Prior to submitting supporting documents I called many times between XX/XX/XXXX through XX/XX/XXXX, inm effort to have the disput reopened. Every time I called I was informed only a dispute manager can help me and they would have one call me within 24-48 hours. This has been the answer since XX/XX/XXXX. Not till XX/XX/XXXX was I able to speak to a dispute manager. The disput manager informed me that my dispute would not be reopened because I missed the 10 day deadline. In every call I made I was never informed that I only had 10 days from the date of the letter was mailed to reopen my dispute. In every phone call I was given step by step guidance on how to reopen my dispute. The customer service representative knew that the issue would not be resolved until after XX/XX/XXXX. The representatives did not say that was a problem nor did they explain any deadlines I had to comply with. I did everything that was asked of me. I called again in early XX/XX/XXXX, multiple time from XX/XX/XXXX till XX/XX/XXXX. Each time I was informed only a manager in the dispute department could help me but they would have to call me back within 24-48 hours. I never received any calls. The customer service representatives and dispute managers gave me wrong information and are now refusing to reopen the dispute and accept responsibility for their mistakes. I was never told over the phone I has a date I had to reply be, I have not received any correspondence from the bank and I was given wrong information by several different employees. Their guidance was incorrect, according to the last dispute manager I spoke to on XX/XX/XXXX. He also refused to reopen the dispute, that a decision had been made and the next step is to send a letter to the Presendent of the Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Told them to stop calling or i would report them but they still are calling
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97520
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
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: AFTER GOING THRU MY STATEMENTS FOR TAX PURPOSES I FOUND NUMEROUS CHARGES THAT I DID NOT APPROVE I CALLED MY XXXX CARD TO LET THEM KNOW WHAT WAS GOING ON THEY TOOK MY CLAIM FOR ALOT OF CHARGES AND THE SAD PART IS I FOUND EVEN MORE AFTER I SPOKE WITH THEM THEY ASKED ME TO SEND IN STATEMENTS WITH THE INFO ON THEM WHICH MAKES NO SENSE SINCE THEY HAD JUST SENT ALL THE STATEMENTS TO ME, BUT I SENT THEM IN AND HAD BEEN WAITING FOR THEM TO GIVE ME IT BACK BUT THEN I GOT A LETTER SAYING THEY WERE REFUSES MY CLAIM THEY DIDNT SAY WHICH ONE OR WHY. I DID NOT DO THESE CHARGES IF SOMEONE IS SAYING I DID ITS A LIE AND I ONLY KEPT PAYING THE CARD OFF CAUSE I DIDNT WANT MY CREDIT MESSED UP I SHOULDNT HAVE TO PAY FOR FRAUD OF ANY KIND ON MY CARD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am filing a complaint against XXXX and More Barclaycard because they are inept at handling a valid fraud case. On XX/XX/2018 I enrolled in an XXXX XXXX class at XXXX XXXX XXXX XXXX for $ XXXX/mo. After the XX/XX/2018 payment I cancelled the class on his website as shown in an attached document. I had no more access to the class website. He continued to charge me every month the {$11.00} and I called Barclay every month to dispute it. He never notified Barclay that the charges were legitimate. I continued to send him emails to his website, the only way to contact him as he is in the XXXX. I also told Barclay every month to not charge me but they did anyway and I had to call every month which scares me because he has my credit card information and could use it for even more. Attached is documentation and a letter I sent Barclay after the XX/XX/XXXX charge by USPS. This can not continue and I want to cancel my card and told them that. As noted in another attachment the XX/XX/XXXX charge is on there, even after I got credit for the XX/XX/XXXX and XX/XX/XXXX charges and credit for the finance charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a Barclays MasterCard that I use for balance transfers to manage some debt. I previously had two 0 % promotional offers from there, and all was recently. Recently I made two more balance transfers at a promotional rate of 0 % online. When I received my recent bill though, the past two transfers were at their standard 18 % interest rate. I clearly would never accept these terms. I have other credit card transfers I could use, but chose Barclay because I liked their promotional terms. But they now say there were no promotional terms. Unfortunately I did this all online and have no evidence of these terms. I talked with three people at Barclays, and an online chat. All said the offers were never there, and nobody offered to have moderate the terms or offer anything to me. They accused me of not being honest. But I've managed debt this way for years, and know the ins and outs of these types of deals very well. I'm not wreckless nor in error here. The offers were there and they refuse to honor the terms. . However on my last statement, they show up at 18 %. This is totally incorrect ; I used the online promotional transfer option as I had done before. I need for you to correct your system so that I'm not paying a ridiculous interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27502
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
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: My complaint is regarding a recent dispute with my XXXX credit card with Barclay 's bank account ending XXXX the case number they provided me is XXXX purchase dated XX/XX/XXXX merchant XXXX XXXX dispute amount {$190.00} my complaint first off is i ain't Happy with how my dispute was handled the card company is going in the favor of the merchant because of them providing a tracking number that the item was recived how ever i never said the item was not received my disputed was for a different reason the item was damaged and was not new has described and i noted too the dispute represented on the phone that i did try too reach out too the seller and the seller was not responding back i understand the seller can contested this dispute how ever when this XXXX tv was purchased from this seller on XXXX over the internet i never saw the merchandise intill it was delivered this seller has had many complaints from other customers of not receiveing merchandise or them sending items that are not working and not has described maybe XXXX or XXXX let fraudsters on there site but my credit card company is supposed to be there to protect my account information and when a purchase is made using my card online and if a seller is trying too committed possible fraud or not following through with services that are promise they need to take that serious the reason why i was not able too return item is the seller choosing too not respond too my messages and the thirty days too return the item of what was stated in there ad on XXXX can't be done now all returns have too go threw XXXX and with the merchant not working with me in the first place and XXXX won't let the item be returned and me serious suspect potential fraud by the merchant and concerned whether my account information is truly protected against potential fraud when making purchases over the web or when a merchant on a site like XXXX or XXXX is there ripping people off i note this purchase was made on eBay but my credit card was process by XXXX but Barclay 's bank needs too handled this dispute seriously with it being made online and seriously listen too customers and this dispute needs too be resolved the right way
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Received statement on XX/XX/2019 via email stating balance {$49.00} payment due {$49.00}. Then on XX/XX/2019 received a letter stating account 90 days past due account closed. Contacted bank ask what was going on since I never received a statement previously showing payment due, and I was never contacted by mail or phone stating it. Investigation was started 5 days later received letter stating balance was zeroed out and they couldnt reopen my account. Then a couple weeks later I received another letter stating that all past due reports to credit bureau was being corrected to show no past due. This has destroyed my credit rating and they still wont reopen my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Was not aware of the closure of the account. Bank charged me all these returned payment fees that i did not know how to Handle. Was not aware of how the payments worked on the website. Bank charged lots of late fees. wrote to them several times and returned all my mail. thought i was doing the write thing the whole time. Did not receive anything in the mail from them. they transfer you to different people when you keep asking questions when on the phone. Never wanted to understand that i was not in communication with them, so I didnt know what was going on. Have payed off a very large portion of the balance already and currently still making monthly payments to Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX of 2015 I purchased a XXXX XXXX from XXXX with a Barclay credit card. It had a 18 month no interest offer. So I made more than the minimum payment knowing I probably wouldn't pay it all off in 18 months but that I'd get it paid down. During that time I had used it for other items but always made payments. When the 18 month promotional period I was charged {$610.00} in interest. From that point until today my interest charges have ranged from {$61.00} to {$51.00}. So for over 3 years I've paid more than {$2400.00} in interest on a {$2000.00} credit card. My payments went from {$38.00} to over {$80.00} a month for something as little as a {$610.00} increase. They not only tacked 100 % of the interest, then they increased the interest. When I called about it I was treated like I was a XXXX and that I should have known how interest works and that's it's too late. If I don't make a payment they'll ruin me. I truly feel like I've been frauded and taken advantage of. This is OVER and above what a company should be allowed to do. I have copies of every statement that I can provide upon notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38701
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A