Date Received: 2018-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX18, I discovered a credit card payment of {$25.00}, that I did electronically through my bank on XX/XX/XXXX18, went to the wrong credit card company. I contacted that incorrectly paid credit card company on XX/XX/XXXX18 explaining to them what happened. I asked them to send the money back to my bank. They said they could not. I asked to speak with a supervisor who said I needed to have the bank " initiate a reversal. '' My bank said they could not do that since the payment was made through a clearing house ( 3rd party ). I called BARCLAY XXXX REWARDS VISA SIGNATURE credit card back ( who is the wrong company I made the payment to ) & spoke with another supervisor who gave me 2 options : 1 ) Try again to get the bank to initiate the reversal or 2 ) Wait until the payment I sent to Barclay for my payment dueXX/XX/XXXX18, to be posted to my account ( which I paid in FULL ) & then call Barclay back & then they can issue a refund check to me. I did call my bank a 2nd time & this guy checked with his manager & confirmed that there was no way they could ask for the money back since I initiated the payment & the clearing house sent it. XX/XX/XXXX18, I checked my credit card account & it showed the FULL AMOUNT owed for XX/XX/2018 was posted to my account. I called Barclay & asked to get the refund check. The rep said he couldn't do that. I asked for a supervisor. I was told they were ALL in a " meeting '' & no one was available but he could request a supervisor call me back within 24-48hrs!!! I told him that was unacceptable especially after all the time I spent yesterday with Barclay trying to get this resolved! Finally, XXXX was the supervisor who came on the line. She said she was going to try to initiate the refund check & put me on hold for quite a few minutes-twice. Then the " Hold '' turned into a dial tone. She HUNG UP ON ME!!! I called back & spoke with another girl who would not connect me to XXXX until she knew what my issue was. So I went through the whole story with her too! After which she said in the " notes '' of my account, it looks like XXXX initiated the " Investigative Team '' to take a look & within 25 BUSINESS DAYS, I may see the refund check. I told her that was unacceptable & needed to talk with XXXX. Then she said she couldn't get XXXX but XXXX was available. XXXX did her " review '' of my case & said she was sorry that I had been INFORMED INCORRECTLY by those other supervisors & I WILL NOT BE GETTING A REFUND CHECK. I told her to look at my account history because since I have had this credit card, I ALWAYS PAY ON TIME & IN FULL EACH MONTH. Therefore that random payment they received on a random date for a random amount of {$25.00} on XX/XX/XXXX18, when the payment wasn't due until XX/XX/XXXX18 for the amount of {$2900.00}, was CLEARLY a MISTAKE & should be returned to me. Especially since we both could see that Barclay posted the amount due as received on XX/XX/XXXX18. XXXX finished our conversation by stating I WILL NOT BE GETTING MY MONEY BACK. I have NEVER had such HORRIBLE CUSTOMER SERVICE with any credit card company as BARCLAY!!! The other companies have always provided very good customer service as well as do their best to RESOLVE any issues I've had in a way that is acceptable to me-not " can't do anything for you, this is our guidelines we have to work under. '' WORST CREDIT CARD COMPANY EVER WORST CUSTOMER SERVICE EVER They basically stole my {$25.00} even though I paid off my XXXX payment & are applying it to my next bill that is not even due until XX/XX/XXXX18!!! WRONG WRONG WRONG
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94403
Submitted Via: Web
Date Sent: 2018-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-17
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I did a credit application to see if I qualify, there was no indication that a credit card would be opened at all. I did this application on XX/XX/2018. They said I was approved but never mentioned I'd be getting a card. This was a timeshare presentation with XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83686
Submitted Via: Web
Date Sent: 2018-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-17
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: XXXX has been non-compliant with removing the unverified account BARCLAYS BANK XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
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: 2018-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
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 was called by a customer service representative on XX/XX/2018 regarding one of my credit card accounts through Barclay Bank, and was told that someone had requested a new card be sent to me at an address that is different than my current mailing address. This representative had information at the time regarding current and pending transactions that are unusual on my account, and did not notify me of those charges, and neither did this person make any attempt to transfer me to the company ; 's fraud department and a representative there despite several actions of unauthorized activity. I called them back on XX/XX/2018 and also logged into my account online to find several discrepancies. This has happened in the past with this company despite me changing my username and password several times, and setting up additional security features through their login process. I also asked a representative at some time in the past if I could set-up a verbal password, because I thought that I had one set-up and a different customer service representative told me that that is not something that they do, but with my call yesterday, they prompted me to do so. I find these actions to be negligent of their legal duties in operating a financial business, as well as completely unethical in failing to notify me of fraudulent activity in a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83687
Submitted Via: Web
Date Sent: 2018-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have an incredibly specific complaint about XXXX XXXX and their " only on this flight '' credit card offers. Now, I've witnessed this from time to time, but I can speak directly to this complaint as I've witnessed 76 ( that's right ... seventy-six! ) times this year alone. How do I know this? Because I've been on 76 American flights this year and every last one of them has offered me an " only on this flight super special once in a never time deal ''! Now, I can appreciate that they want to squeeze as much money out of folks as possible, but ... to lie to consumers literally *EVERY FLIGHT* about this AND to not have any way to opt out of being marketed at in a very aggressive way that you have no way of stopping is completely unacceptable. They claim it's not on every flight, so I must either be the most lucky passenger in the world to have the same XXXX offer shouted and rammed down my throat every time I get on the plane OR ... they're lying to customers and creating completely false advertising. This practice is complete nonsense. You pay a *lot* of money for flights and these folks are XXXX bent on forcing you to listen to their nonsense. What I've found out is they highly incentivize their employees to do this ( even when they're not supposed to ) to hawk these products and XXXX the customer experience and the honesty of the pitch! Heard this directly from a flight attendant who was traveling next to me on a plane. What can we do to stop dishonest and captive marketing like this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29745
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Over the summer I was 90 days behind with Barclay Card. I paid the full minimum due to bring the account current. A month later I decided to enroll in a third party non-profit debt counseling program. I was rejected. It took my a dozen phone calls to find out why I was rejected. I was then told there were no financial assistance options available to me. SEVERAL agents told me I had to go delinquent again in order to have any offers. This is an unfair business practice to disadvantage the average consumer. How dare you tell a client to not pay you for a while and then I'll give you an offer. I am now 90 days late and have been offered a 75 % off. I told them I would only take that offer if they would put in writing they would remove the late payments as I was told to go delinquent. They will not work with me. I left a voicemail for the Barclay 's Card office of the President at XXXX because no one answered the phone when I called. I spoke to the general customer service line and I was told the offers are computer generated. The system analytics take in to account when the account was opened, how long it was open, the balance, usage, etc. Isn't that interesting? Other companies will take offers and will remove late payments on the credit reports. As a reminder of the Fair Credit Reporting Act ( FCRA ) the creditors create and control the data and push it to the credit bureaus -- -the CRAs just hold the data and do as you say, when permissible, under the FCRA as applicable. Note I do have telephone audio recordings available, though I have not removed PII from the recordings. However, data is cheap I'm sure you have all my calls??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Collections does not seem valid for the specified card yet continuous calls despite the explanation provided to the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/18 I purchased an XXXX computer ( {$13000.00} ) advertised as qualifying for 24mos. with 0 % interest. This was handled through Barclays bank. The computer was shipped to me on XX/XX/18. I had set up the Barclays account to autopay the minimum payment each month. Today, XX/XX/18, I received notice my payment was due and took the opportunity to look up the online statement to see when the promotional rate expired. To my surprise and dismay I found that the promotion was valid ONLY if the purchase was made within 30 days of opening the account, which it was. However, as XXXX didn't ship ( or bill ) the unit until XXXX, XXXX XXXX bank claims that it did not qualify for the promotion. When I contacted them to discuss this they refused to discuss this and took the position that it is their policy. In effect it was IMPOSSIBLE to take advantage of the promotional rate as XXXX was unable to deliver the computer within the 30 days as it was a brand new model. Receiving notice that this was going to exclude me from qualifying for the promotional rate would seem to be the honest and forthright way to handle this matter. When I spoke to Barclay 's their position was too bad, that is their policy. I feel this was a deceptive trade practice and would appreciate your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2018-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/18, I went to the XXXX store to purchase a laptop. I asked the XXXX employee if there were any 0 % interest payment options. The employee advised that I could apply for the Barclaycard Visa with XXXX Rewards. I applied for the Barclaycard and when I used the Barclay/XXXX portal ( XXXX XXXX XXXX ) to purchase a laptop on my new line of credit it said that there was an error with the page. ( This error continued for the next 3 days ). Since I needed the laptop the employee said I could purchase on a different card and return it and purchase it back on the Barclaycard. I contacted customer service to re-confirm that this is true. However, I later read the return policy and discovered that there would be a 25 % restocking fee on the {$2400.00} laptop, which was never disclosed by any employees. Since there was an error with the Barclay/XXXX website and I was unable to purchase a laptop on the Barclaycard I applied for I suspect that many consumers are running into this same problem. I am looking to have this credit application removed since I was unable to use the new line of credit as the XXXX employee explained would be possible. I contacted Barclay customer service representative on XX/XX/18 and the woman explained that she was not a Credit Bureau agent and could only close the account and could not do anything further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I Have Called XXXX XXXX and told them about my problems even paid off balances on these two card that where opened on my name fraudulently by my ex Wife.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A