Date Received: 2019-01-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/18 I did a balance transfer with them and they did a double transfer on two of my credit cards that I wanted paid off. This has been over a month ago now and not resolved. I talked to a manager in late XXXX and she assured me it would be fixed in 2 weeks. Never happened. Talked to another manager in XXXX she assured me it would be fixed and she would call me back in 24-48 hours. Never happened and she never called back. Talked to another manager in XXXX and he said it takes 30 days to fix. Again, that never happened. Filed a XXXX complaint and was contacted by XXXX but I wasn't available to talk to her so she left her name and number. I called her back yesterday and today and left messages to call back and that never happened. Meanwhile the credit card that I have with them is over the limit and I'm sure will be reported and my credit score will be destroyed. On top of that the minimum payment that I was supposed to pay is much more than I would have to pay because of this mistake. Needless to say this is all very frustrating and I need help quickly before my payment is due on the 16th if at all possible. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99207
Submitted Via: Web
Date Sent: 2019-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have an XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware. My XX/XX/XXXX statement balance was {$2300.00}. I mailed in payment and payment stub to the XXXX, GA address listed on the payment stub around XX/XX/XXXX. Based on the endorsement stamp on the back of the check and my bank records, the check was received and deposited by Barclays on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. To date the {$2300.00} payment has not been applied to my account. I checked my statement online on XX/XX/XXXX and noticed the issue. I used the online messaging system to alert XXXX XXXX XXXX XXXX to the issue. I never received a reply to that message and any trace of that initial contact has been removed from my online account records. I called on Monday, XX/XX/XXXX, and spoke to a customer service representative. She requested that I fax confirmation of payment so that the Payment Research Department could investigate the issue. I sent the fax to the number I was given, ( XXXX ) XXXX at XXXX XXXX CST on Monday, XX/XX/XXXX. The fax machine report indicated that the fax was transmitted successfully. I have placed calls to customer service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have talked to three different customer service reps and one supervisor. None of them have been able to tell me anything about the status of the investigation other than " it will take 2-3 business days to complete. '' I have been repeatedly told that it is impossible for me to speak to someone in the " back-office '' or Payment Research Department about the issue. On XX/XX/XXXX, the supervisor I spoke with seemed to indicate that even the customer service department could not contact the Payment Research Department on my behalf. The supervisor could not even confirm if the fax I sent on Monday, XX/XX/XXXX have been received. The endorsement on the back on my check for {$2300.00}, which cleared the bank on XX/XX/XXXX, is from Barclays Bank, the issuer of the XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2019-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These two items Barclays and XXXX XXXX is on my credit report but I have never opened up an account with Them I tried explaining that to them on several occasions but yet and still they have not produced any evidence that this is my account. Beside yelling at me over the phone by their associates. I would like this removed off my credit reports as this is not my accounts. Thanks. Ms. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an issue with my Barclay credit card where, there were some unauthorized charges to the credit card which have been place under review/dispute. Unfortunately these charges created late fees and interest charges that are not been accredited to the credit Card while the dispute is going on. I am afraid that such action by the bank will cause my credit payment history to be impacted and that I will inquire in more late and interest charges as time goes on. I have communicated my concern with the Bank and they have advice me to pay all interest and late fee charges as they would not be able to control whats been reported to the credit bureau and waive any additional fees. The bank also ensures that when the investigation is over that they will credit my account with all the fees but would not be able to update the credit report ( meaning the late payments will show in my credit report as valid. ). I believe that if there are unauthorized charges to the account and the bank starts an investigation they should not charge late fees or interest charges on the charges in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I contacted Barclays AAdvantage Credit Card Service Department to formally dispute a purchase of XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXXXXXX XXXX. The puppies were sick and unable to control urinating and defecating, so I returned the two puppies to the store on that day. On XX/XX/XXXX I faxed a detailed letter to Barclays AAdvantage Credit Card Dispute Department outlining the reasons for returning the puppies to the store and that I asked for a full refund for the purchase price of the puppies {$3200.00}. OnXX/XX/XXXX Barclays AAdvantage Dispute Department contacted me stating that the charges would be reapplied to my card and that I will receive a letter requesting additional information as to why I am requesting to dispute the charges that would allow me to continue to dispute the charges. I NEVER RECEIVED ANY LETTER FROM BARCLAYS AADVANTAGE DISPUTE DEPARTMENT. XX/XX/XXXX I contacted Barclays AAdvantage Dispute department informing them that I have not received any letter from them. Barclay AAdvantage Dispute Department stated that the letter could take between 7 to 10 business days and that I should give it more time to arrive. XX/XX/XXXX I contacted Barclays AAdvantage Dispute Department letting them know that I have still not received the letter from them so that I can properly respond to their questions for disputing the charges. Barclays Advantage Dispute Department said they would resend me the letter via email and to expect it within 2 business days. XX/XX/XXXX I had not received am email from Barclays AADvantage Dispute Department so I called them again asking for someone to send me the information. During that call with Barclays AAdvantage Dispute Department the call was some how disconnect and the wait time to reconnect was over an hour. XX/XX/XXXX I have still not received any letter from Barclays AAdvantage Dispute Department so I called again and again I was told that they would send me the letter via the mail and that they can not send this information via email. The problem is that my credit card bill is due XX/XX/XXXX and I have not been given the letter so that I can respond to the disputed charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60559
Submitted Via: Web
Date Sent: 2019-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: At first it started off with messages being left on my cell phone voicemail, that they were NEVER given permission to call, never left the Mini Miranda, the name of the company and when I tried to call the numbers back, the phone just rang. At first, I assumed it was a scam and ignored. After continued calls and threats left on voicemail, of which I have saved, I was given a number to call back, which I did. At that point, I left at least 2 messages notifying them this was my cell phone and not to call that number and that I filed bankruptcy and all debt was included. I left the attorney 's information to contact. I also asked for a letter to be mailed regarding the debt as I have never received any notification of the debt. I received nothing that I requested to comply with FDCPA and provide notification of the debt being collected on. This also did not stop the calls. XXXX XXXX continued to call and leave voicemails. Today he called again and I was near my phone and answered the call. He proceeded to tell me that " they '' ( he still did not provide name of agency ) were going to file garnishment against my pay. He also then made the comment that I am filing bankruptcy every 7 years, just spending money and then filing bankruptcy, which is harassment under FDCPA. On NO message left was the Mini Miranda and each contact was a collection effort. When I told him today the credit card was in my bankruptcy, he stated that it didn't matter, that the client had requested to file garnishment against me. I advised he needed to contact my attorney and he stated he knew who I was and would just proceed with his client 's request. He stated that Barclay was not included in my bankruptcy. This was the FIRST time I was notified of who the creditor was. I told him that I knew it was included and he needed to contact attorney. He would not take the attorney information. Instead, he continued to threaten me with garnishment. I told him, if he file anything against me, I would file suit, and he hung up in my face. I will be contacting an attorney to file suit for harassment and several other FDCPA violations. This credit card ( Barclays ' ) was included in my Chapter XXXX bankruptcy and is not owed by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I completed a balance transfer in or around XX/XX/2018. As explained in my terms and conditions, the interest rate was a set percentage, but could increase. However, how that interest was calculated was on a per billing statement time frame for the balance transfer. I paid my card in full in XX/XX/2018, but I just received notice that I still owe a final " Balance transfer fee '' payment, event thought my account balance is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-08
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX, I submitted complaint # XXXX against Barclay Bank regarding a credit card I currently hold with them that was originally held by XXXX XXXX XXXX. On XX/XX/XXXX, the company responded to my complaint, however, the company never addressed the issue of my complaint. The complaint was then marked Closed by CFPB. I did not understand how the complaint could be marked closed when the main points were never addressed in their response. I provided feedback on XX/XX/XXXX and requested the complaint be reopened. On XX/XX/XXXX, I called CFPB and learned that I would need to submit a new complaint to officially reopen this complaint. I am submitting a new complaint with the expectation that I receive an answer to the following : I am formally requesting a copy of the Change in Terms letter that directly explains when and why my FIXED RATE credit card ( originally with XXXX XXXX XXXX ) became a VARIABLE RATE credit card once the account was taken over by Barclay. If Barclay does not have a document that addresses this Change in Terms with regards to my FIXED RATE, then I feel fraud, and possibly illegal actions, have occurred against my account. I am asking for an explanation as to how I can be charged a VARIABLE interest rate on money that was purchased on a FIXED rate. I ask that CFPB reviews the response from the company to be sure the company is addressing the previous two points before closing the complaint. I am attaching the documentation that was provided by the company as a response to the complaint for review. The XX/XX/XXXX documentation ( XXXX XXXX XXXX ) I was provided by the company as their response does not address the issues. I feel as if the company chooses to ignore the main point. In the company 's response regarding the Change in Terms agreement ( paragraph 2 and paragraph 5 ) the information letter that was mailed in advance of the conversion does not address a change in my FIXED RATE card to become a VARIABLE RATE card. The XX/XX/XXXX Change in Terms agreement addresses " a minimum interest charge '', " transaction fees for transfers, checks, etc. '' foreign transaction fees '', " returned payment fees '', " late payment fees '', " over the credit limit fee '', " APR for cash advances '', " the penalty APR '' and the " options '' I have if I do not agree to these terms by XX/XX/XXXX. In the document from XXXX XXXX, ( XXXX XXXX. ( CFPB ) .pdf ) she explains in paragraph 4, " At the time of the account transition from XXXX XXXX XXXX to Barclays , the Prime Rate was 4.25 %, the current Prime Rate is 5.25 %. '' This response makes it appear as it my account was based on the Prime Rate. What validity does this statement have when it was a FIXED RATE APR account? My husband still have his account with XXXX XXXX XXXX with his FIXED RATE. Until I have documentation proving otherwise, my account would still have a FIXED RATE as well if it was still held with XXXX XXXX XXXX. It is not until Barclay took over my account that it became a VARIABLE RATE centered on the Prime. I am not pleased with the fact that the response did not address the most significant issue in my complaint. As an American consumer and a customer of Barclays, I expect the next response to address my points above. Based upon the response from this second attempt will determine if I will pursue legal advice from the military base to decide how to further proceed with getting this issue resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 670XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Credit card company is holding me responsible for spousal identity theft committed by my ( now ) ex-spouse. Spouse got a Barclay 's Visa XXXX Rewards card on XX/XX/XXXX, without my knowledge or consent, a month after I filed for divorce and fled our abusive home. I initially noticed the card I didn't recognize when I looked at my credit report in early XX/XX/XXXX. I immediately contacted Barclays and the said they would get back to me. They never did. Purchases to the account were made during this time and after, but I never received bills or statements or were aware of them in any way. The divorce was final XX/XX/XXXX. In the midst of a difficult divorce, I did not follow up until XX/XX/XXXX when I received a letter in the mail from Barclays stating what they did with my information. I called them immediately, stating this was identity theft ; it was not my card and I have never had an account of any kind with them ; they opened a fraud investigation. Despite sending them police and FTC reports, Barclays ended the fraud investigation once I said I recognized the name of my spouse. However, he had never been an authorized user or in any way listed on the account ; I was the only name on the account. Despite this, all the contact information they had ( email, phone number ) was his. Prior to my contacting them in XX/XX/XXXX, I had never received a statement -- they were paperless, sent to the thief 's email. This violates the Fair Credit Billing Act. Since we were still married at the time the card was opened, they are holding me responsible for everything. Barclay 's says no signature was required to open the account so I can't claim he forged my signature. What about all the fraudulent purchases made, was my forged signature required then? While I think my ex should be held responsible, I also am in no way responsible for this identity theft. I have closed the account but I know that fees and interest are building and threaten to negatively impact my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: A balance was carried over from XXXX XXXX to BarclaysJetBlue when XXXX XXXX ended the program with JetBlue. Below is the XX/XX/XXXX-XX/XX/XXXX payment history from the BarclaysJetBlue account. For two years, I have been consistently making early payments 2x the requested minimum without making purchases yet Barclays continues to charge interest on multi-cycle billing. I do not use the card, am trying to bring down the balance but the interest is the same month over month. I am asking for your intervention as is my right under the CARD Act of 2009, the Fair Credit Billing Act & Fair Credit Reporting Act. Recently, I sent a second payment in XX/XX/XXXX to be applied to XXXX billing and payment was not reflected. The Barclays billing and interest practice is creating a hardship and making it difficult for me to ever pay off this credit card account and negatively affecting my credit score.. XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$100.00}
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A