Date Received: 2018-12-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: 1 ) When I signed up in-flight for this credit card, XXXX promised an in-flight signup promotional bonus of XXXX miles on top of the XXXX miles that I would get by hitting a spending limit in the first year. I received the XXXX miles but customer service did not get back to me about the promotional bonus. And then they took away my XXXX miles even though they promised they wouldn't let it expire while they looked into this other issue. 2 ) They created an additional frequent flyer account in addition to my existing one, despite promising me that they would be issued to my existing account. I couldn't use the combined amount and customer service never got back to me about resolving this issue. 3 ) XXXX/Barclay never sent the {$100.00} voucher for meeting the spending limit and flying a XXXX flight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91724
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: This complaint is for Barclay 's US bank ( Barclays Bank Delaware in XXXX DE ). I have multiple complaints about this back including : 1 ) Gross misrepresentation of the US Patriot Act in an apparent effort to illegally freeze accounts and or account access of US citizens. 2 ) Breach of contract for it's certificate of deposit holders 3 ) Failure to provide the legal documentation for accounts ( deposit certificate, statements, forms to close account, etc ) to US account holders, even after being told to do so over a dozen times. 4 ) Theft of the funds held in my account from me. I have contacted the bank over a dozen times over the past month and several other times in the past ( Supervisors XXXX XXXX, XXXX XXXX, et al have been involved in some of these requests ). They have been informed that they are in breach of contract by freezing my account and/or access to my account which I opened 3 years ago. I have told them numerous times that I never received any information in the mail at my legal address about my account, that they never even sent me an account number for my account, and that I find them in breach of contract. This bank is horrible and they are risking financial misery of all their US clients by grossly misrepresenting the US Patriot Act. They have stated to me that they can freeze accounts purely because a customer does not wish to risk his/her identity security by giving out confidential information over the phone each and every year to avoid freezing their accounts, and they are doing this only to have the customer prove that he/she is the same person and has not moved since last year. I know of no other bank in the USA that acts in such an extreme and radical manner. They have no basis or evidence to suggest any of my information has changed ( I still have the same name and reside at the same home, which I also own and the public records proves that ) and yet they are freezing accounts and refusing to send the account documentation to the account holder 's legal address - and even after they have been informed that said account holder wishes to close their account immediately and requires the necessary forms to do so. I have had this account for 3 years and even though I have complained many, many times they have not sent me one acknowledgement of the account with an account number or one statement. I hereby request that the US Gov't investigate the practices of this bank. Every bank that operates in the United States mails a certificate of deposit statement, account statement, etc to the mailing address on record for the account yet this bank refuses to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays XXXX Mastercard Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$150.00} on my account. The amount is inaccurate because I have not shopped or ordered anything from the following merchants. I recently received my current card ( just weeks old ) as a result of fraudulent activity. On XX/XX/2018, I noticed new fraudulent. I am more concerned with lack of protection and risk I have been subjected. Transaction Date Description Category Amount XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX XXXX XXXX XXXX DEBIT XXXX I am requesting that the errors are corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I would also like the evidence and source of charges I've identified as fraudulent and also a statement of all transactions that were denied. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2018-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2017 someone applied for a Barclays Credit Card with my Information without my consent which resulted in an hard inquiry on my XXXX Credit Report. I contacted Barclays Bank Delaware themselves and tried to resolve the issue but couldnt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Barclays Bank shows in my credit report still claiming I owe {$8800.00} as of XX/XX/2018. On XX/XX/2018 I sent a letter to Barclay Bank I requested validation that is competent bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company that is reporting in my credit report. Within 30 days the company responded back to me, telling me that i can review statements online by logging in to online account, and included statements with this letter. On XX/XX/2018 i received another letter from Barclays Bank explaining that they are no longer able to fulfill requests for books, records or statements copies dated earlier then XX/XX/2013. On XX/XX/2018 I send second letter regarding the first letter, how they yet failed to provide me with copies of any viable evidence, bearing my signature, showing the account is being reported accurately. A print of a bill or itemized document does not constitute verification. So i again asked for copies of document bearing my signature. On XX/XX/2018 send me a letter back asking for more info from me when in fact all was given from letter one to investigate this issue, and still continuing to report in my credit report. On XX/XX/2018 I send all the documentation proof to all three credit reports showing copies of my dispute I have made with Barclays Company and they failed to provide me copies of documentation having ( or ever had ) contractual agreements bearing my signature. The Barclays Bank breaking the law by not providing the documentation, and two : reporting complete wrong acct # from the statement and wrong credit limit overall against the law. All communication Records are kept for proof of dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2018-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Applied for credit. Received low offer at high interest rate : XXXX @ 25 % APR Company sent credit card and we did not activate card/account nor log in to account Company immediately started reporting to credit bureaus One year later we receive paper statements Second statement asked for annual fee We declined to pay annual fee since we never activated card/account Called company they offered two options pay fee or close account Closing account would harm credit score Paying fee is unfair since we never used card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX I contacted my Barclays Ring card to initiate a balance transfer of {$7500.00} from my Barclays card to my XXXX card. The transfer processed on XX/XX/XXXX, but they incorrectly transferred a {$7500.00} balance on to my Barclays card. At no time during my phone call was I advised that they were doing the opposite of what I explicitly stated I wanted. When I contacted Barclays they refused to reverse the charge. Further they insisted that I was responsible for the interest payments on my grossly inflated balance. This is the second time Barclays has incorrectly executed a balance transfer ; upon opening the card over a year ago they processed the same balance transfer twice, and also refused to correct. Perhaps they should remove themselves form the balance transfer industry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: This complain is about XXXX XXXX card ... while applying I was told to open a new card that I would earn a certain amount of points. Never got points, it was turned around on me and said I had to purchase. In the initial transaction online said transfer and new purchase. Second complain is about allocation of payment. I paid a lump sum in XXXX and majority was suppose to go to balance transfer. Only {$63.00} dollars was applied, and the rest was getting high interest rate. Every time a payment is applied it only goes to the first bucket of interest. According to my statement, the transactions are divided into two brackets. One is a higher interest rate than the other. So, I was paying higher interest rate for the balance transfer when money was apply to pay some of it off. The credit card company told me that they can't allocate payment. So, if payment can't be allocated, why is there two bucket verses one payment. The statement is broken into different catergory. Please advise on this situation. It's like buying 2 different purchase with two different interest rate. If it is so then a person should be able to allocate payment. If not then they owe me XXXX point for opening a card with one interest rate as the rep claims. I believe to open a XXXX card was XXXX points or more at the time of promotion. Please advise to XXXX Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2019-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I received a personal Loan offer from Barclays, a credit card company. The letter stated that the loans were being offered@ 4.99 %, but to accept the offer, I needed to connect to the website, online. No customer service telephone number was provided in the letter. At the website, the lowest interest rate available was 5.7 %, and up, ( based on your credit-worthiness ). This is just plain False Advertising. I tried a few of their links, and some offered loans - less than 35 % interest, but I didn't see anything@ 4.99 % or less. I would like to know, where are these loans are hiding? Since their offer is deceiving, I will look from any local bank, where this does not happen, and I can speak to a real person. XXXX is an Invitation number, not a loan. I have their Credit card, but did not originate any loan from them per this generous offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04330
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
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 booked plane tickets for {$390.00} back in XXXX. XXXX cancelled my purchase. I rebooked for $ XXXX ( I don't have the exact price, but I can get it ) and asked XXXX to honor the price of {$390.00}, when they didn't and I cancelled that purchase. I disputed the charges with Barclay Elite MasterCard, because they farm out their customer service, the rep, who didn't completely understand English, didn't quite understand my dispute and she only credited me with {$290.00} dollars. As of today, I am still have not been refunded the other {$390.00}. The dispute started XX/XX/18. I have called every month. Each time I have called I speak to at least 10 people. I can not speak to a manager 's manager. They refuse. Right now I'm waiting for a callback. In XXXX, they told me that my case is still open, and I today as I'm doing my monthly check, I just got notified that my case has been closed seen XXXX. They have refused to start arbitration as asked countless time. They ask me for paperwork, and I told them that I shouldn't have to do paperwork for their mistake. I just asked for the call logs because they said I haven't called since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2018-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A