Date Received: 2019-01-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Company can not explain how interest is calculated. In 7 contacts with the company ( 2 phone calls, 5 secure message responses ), plus the information on the back of the statements, I've received a great deal of conflicting information on how the interest charge is calculated : * It's based on average daily balance / it's based on statement balance. * Interest rate is [ APR ] /365/100* [ days in cycle ] / interest rate is [ APR ] /365*100* [ days in cycle ] * Interest is compounded daily / interest is month 's average daily balance times interest rate. To date, I've finally ( in contact # 7 ) gotten an explanation of how to calculate the interest charge based on " Balance Subject to Interest Rate '' and APR, the results of which matches the numbers on my statement. ( Note : the calculation that gives the statement 's result does *NOT* match the explanation on the statement! ) But despite REPEATED requests for a DETAILED explanation of how to calculate " Balance Subject to Interest Rate '', I still haven't gotten one - and my calculations don't match the statement 's numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The card XXXX XXXX XXXX card with Barclays refuses to close an account I have with them. I have called them twice to get the unused card closed, the second time they claimed I was late in paying some kind of fee they created on the card after I told them to close it the first time in early XX/XX/XXXX. They promised me they would take care of the fee and would close the account properly after I called them a second time in late XX/XX/XXXX. I am still receiving emails in XX/XX/2019 from the company about a currently active account with my name attached to it from them.
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: 2019-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2019, I called the Barkclay Bank MasterCard to cancel the card prior to having to pay another annual fee. The agent convinced me to not cancel the card but to convert it to a no-fee card. The agent proceeded to tell me that I had unredeemed miles on the account and asked if I wanted to redeem them. I said yes and that I wanted to redeem them for a statement credit. The agent repeated what I said and then said he would redeem the approximately XXXX miles for an approximately {$180.00} credit. I said, yes. Meanwhile, my husband who was in the room with me said to me that wasnt right. He then took the phone and explained to the agent that we wanted a statement credit for travel expenses which is redeemed at a rate of {$1.00} for each XXXX miles versus the general statement credit which costs XXXX miles for each {$1.00} of credit. The agent said sorry but he had already pushed the button processing the credit. We then asked to talk to the supervisor who also said sorry, she couldnt change it. This was all in the same phone conversation! This arbitrary action cost me approximately {$180.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My Name is XXXX XXXX, I have been a victim of identity theft. I have dealt with this haunting issue for almost 10 years or so. In XXXX my information was breached due to a local medical facility called XXXX not securing medical records in a proper manner. Someone managed to open up a XXXX XXXX account and order phones which was finally Deleted from my credit report about 2 months ago. This same person managed to open up a XXXX XXXX credit card ( Account # XXXX ) in XXXX of XXXX and even managed use of it and made payments. I suspect that it was someone in my city because I never received a card or anything related to it. I tried to dispute this with XXXX XXXX but they kept saying that the card was mine, I filed reports with the FTC and directly with XXXX, XXXX and XXXX. I also had bank accounts that were opened in my name which the banks were able to close once I disputed and provided proof. XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. All of these accounts were deleted successfully from my credit reports except for XXXX which is still on my XXXX. I also had a card fraudulently opened from XXXX XXXX XXXX ( Account # XXXX and, one in XX/XX/XXXX and one in XX/XX/XXXX. Finally, the most egregious one was opened in XX/XX/XXXX with Barclays ( Account # XXXX ). this card had the highest credit limit. I need these issues resolved because it has lead to all sorts of issues in my life. Ive tried to dispute these with the proper authorities and the companies themselves and Im not sure what kind of information they have but I assure you these credit lines are not mine. Attached is the report I filed with the FTC Back in XX/XX/XXXX to have these items removed from my credit report. I have also attached my Social Security card and Florida Drivers license. At this point I am Disputing the following : Barclays XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX ) Respectfully, XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX FL XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33917
Submitted Via: Web
Date Sent: 2019-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclays bank XXXX XXXX credit card. online credit card payment to barclays was rejected by my bank ( XXXX XXXX ) because bank closed account due to fraudulent activity. I explained this to Barclays Bank supervisor XXXX, ID Number : XXXX and inspite of repeated requests to waive the fee for returned payment for extraordinary circumstances, she said bank policy is not to waive this fee under ANY CIRCUMSTANCES. Fraud on my checking account was out of my control and supervisor was absolutely unwilling to offer any help. Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2019-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have a line of credit that was opened on XX/XX/XXXX and will expire XX/XX/XXXX which had a balance of around {$1800.00} as of this month and on XX/XX/XXXX I added a new line of credit of XXXX. My issue comes in the fact that in end of XXXX I made payments to my account but the credit company has applied it to the more recent balance transfer. I did write them to ask that the applied my payment to the oldest balance transfer but they informed my that they can applie my payment where every that want.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93230
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter from Barclays Bank in XXXX DE regarding an application that was placed in my name for a XXXX XXXX Credit card. I DID NOT apply for this credit card. The application number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with some friends from XX/XX/2018 to XX/XX/2018. On XX/XX/2018 around XXXX XXXX to XXXX XXXX my friends and I went to a tour with XXXX XXXX XXXX to see one of the hotels that they have for their customers V.I.P. in XXXX, XXXX XXXX, XXXX XXXX. We returned to XXXX XXXX XXXX after XXXX XXXX ( I dont remember the exact time ). The tour guide, or the representative of the XXXX XXXX XXXX that took us to the tour took me to the office because I was interested to know the prices for the membership. He found another gentleman that started to inform me about the prices of the membership. Most of the prices were very expensive. I remember that I informed them that I was a victim of a robbery and because of that I am registered with credit report ( XXXX ) and I have a LOCK on my credit. I dont remember how the conversation started, but a credit check of {$3000.00} was initiated. I got involved and I gave them my information including my social security to check my credit. In less than 15 minutes this man ( not the tour guide ) returned with two forms of credit cards saying that I was accepted for two credit lines. One for {$11000.00} and the other {$8000.00}. I was very surprised about these two credit cards when in fact my credit has a LOCK in the United States. These men started talking to me about a penthouse deal. They mentioned that I can do business in XXXX, XXXX, etc. renting the penthouse. I mentioned to them that I was not a social media person, and I can not do that. I was so involved that I ended up signing some documents. I remember that one of the requirements was to put my initials in one book. I asked the woman who brought the book what information was contained in the book. She said that was the club information. When I put my initials on each page she took the book and I said to her if she was not going to give me a copy. She replied that the information was on the CD. When I left their office is was dark. Next day on Sunday, XX/XX/2018 around XXXX XXXX I went to XXXX XXXX XXXX to talk to them regarding the deal of the penthouse that they gave me. I saw the man ( Not the tour guide ) that worked with me the day before and I said to him that I wanted another deal or something more reliable for me because usually I travel by myself or with my mother and that a penthouse was too much for me. He said customer service is the one in charge and they would make the changes. He sent me to a office to talk to customer service by phone because there was no representative of customer service in the resort. When I was in the office, they communicated me with a representative of customer service.Her name was XXXX. I explained to this lady that I wanted to change from penthouse to something more reliable. She said that she will check with her superiors and put me on hold. After a while she returned and said that her superiors said NO and that she can give me a village deal for the same price. I told her no and that I wanted something more reliable and affordable, because I have student loans, bills, among other things to pay. She kept saying NO and saying Yo No Entiendo which means I dont understand in XXXX. I started to feel uncomfortable because is was not even 24 hours that I got involved with the XXXX XXXX XXXX and this was how they were behaving and treating me. At one point this lady said to me YOU ALREADY PAID. I said to her excuse me and she said it again and mentioned that I have a contract with them and an agreement. I said to her that I will call the Bank and cancel the transaction. I left the office and went to my room in the resort and from my cell phone I called the the phone numbers of the paper that they gave me. I remember that I made the calls around XXXXXXXX XXXX on that Sunday, XX/XX/2018. The first bank that I called was XXXX XXXXXXXX XXXX. I explained to the person that I spoke with what happened and she mentioned that the payment was pending that she could not cancel the transaction of {$7600.00}, but she said to call in 24 or 48 hours. Then I called Barclays Bank ( according to the phone that was on the papers ) I explained to the person that I spoke with what happened and he was able to cancel the transaction of {$11000.00} and I told him to close the credit card. Next day Monday, XX/XX/2018 I called XXXX XXXX XXXX to cancel the {$7600.00}. I explained to the rep what happened, and she closed the card and canceled the payment. Then I called Barclay Bank to be sure that the {$11000.00} transaction was canceled. So the payment of {$11000.00} was canceled and the balance was {$0.00} balance. Next day on Tuesday, XX/XX/2018 I called Barclay Bank and XXXX XXXX XXXX just to be sure that those transactions were canceled. When I spoke to the person at Barclays Bank the account was {$0.00}. The operating system of XXXX XXXX XXXX said that I have a balance of {$7600.00}. I Called again to XXXX XXXX XXXX and asked what happened and they said that the money is pending, and they have to open a dispute. A dispute investigation was opened and would take about a month. Eventually XXXX XXXX XXXX found that XXXX XXXX XXXX committed a FRAUD and credited {$7600.00} to me. Two or three weeks after the dispute was close with XXXX XXXX XXXX I received a bill from XXXX Barclays credit card for {$11000.00}. I called to inquire about the credit card. I asked the person who answered the location and she said that they were in XXXX. I explained to her that I canceled that payment, but I received no help from her. I called Barclays Bank and explained what happened to the lady that spoke to me. She did a three ways conference call and called the XXXX credit card and asked the person who answered that cancel the payment and why that money was not refundable back to the bank. The man whose answered the phone did not know what to respond and transferred the call to another line. An answering machine answered, and I left a massage ( I am still waiting for a call back ). Due to this, a dispute was open. During the investigation I called once. I called to get an update of the dispute, but they said that they were still investigating. Then a day before XXXX I received a letter from Barclays Bank saying that the dispute was found in the favor of the XXXX XXXX XXXX and I was expected to pay them {$11000.00}. With all due respect we are talking about {$11000.00} that I did not eat, drink, or did anything, not {$100.00}. Some people are very UNSCRUPULOUS. I dont know where they are connected, but I know that they are using my name to get money. Sadly, I know that I am not the only victim. But I pray that all this Pandora Box will open and expose the wrong doings to the light.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
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: I presented my XXXX XXXX XXXX Mastercard from Barclays Bank for payment at the restaurant in the XXXX at the XXXX ( XXXX, XXXX ) on XX/XX/18 and asked them to apply it to the dining bill, charging me for one half and charging one half to another party ( who provided a different credit card ). Upon reviewing my account statement a month later I noticed the merchant had charged me twice - once in the amount of {$38.00} and once in the amount of {$38.00}. I disputed the charge as a " duplicate '' with Barclays Bank, the card issuer. Barclays Bank contacted the vendor who explained in a written statement ( attached ) that " the bill was split into 2 guest checks and was paid with diff [ sic ] credit cards. '' This statement by the restaurant was false and fraudulent - as the evidence they provided clearly showed : a copy of the slip I signed with half the amount and a copy of a second slip also charged to my account with a scribbled signature that looked nothing like mine. Instead of doing the right thing and telling the restaurant they made a mistake and resolving the dispute in my favor, Barclays left me a voicemail ( on a phone I couldn't access for two months ) asking me if the other party had been charged or not. I didn't get the voicemail until months later when I returned to the US but even if I had gotten the voicemail I had no way of knowing if the other person in my party had been charged or not. The question was not germane to my dispute : the XXXX can not charge my card for the second half when I clearly stated I was only paying for the first half and in fact had only signed for that half. Barclays ' excuse in resolving the case in favor of the merchant was that I didn't respond to their voicemail fast enough. I don't think they should have contacted me in the first place - the resolution should have been made after receiving the paperwork from the merchant with the clearly erroneous ( I would say fraudulent ) information. At the least they should have contacted me in writing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A