Date Received: 2018-10-24
Issue: Getting the loan
Subissue:
Consumer Complaint: Barclays Bank Personal Loan Mail solicitation for Personal loan fixed for XXXX months up to {$35000.00} Rates starting at 4.99 % I received a print ad on XX/XX/XXXX that does not expire until XX/XX/XXXX. The ad states that XXXX XXXX ( me ) has a pre-selected confirmation. For Fixed APR as low as 4.99 % with no fees I was issued an offer code to input and directed to www.barclaysloanoffer.com. The site immediately states 5.99 % is the lowest rate ( before I even enter any personal info or invitation code ) After, entering the invitation code. The site asks some personal info but does not ask for permission to run credit check. Then I was give 3 options to choose in order to move forward which were much higher than the solicited rate ( note : I have excellent credit ) The site states that if I choose one of the options a credit check will be performed but will not ding my credit score. There is no option to move forward unless a much higher rate is chosen. After calling the customer service # I was told by the rep that the solicitation " is no longer valid and lowest rate is 5.74 % because of prime rate going up '' additionally, I was told that " the marketing department generates the solicitations months ahead of time ''. After, requesting supervisor XXXX rep # XXXX. I was told that the 4.99 % was expired and now lowest is 5.99 % however she then changed her statement and said the 4.99 % was only available to a private few who received the solicitation. I was told I must have not have high enough credit to qualify for a better rate and then transferred me to the finance department. Another supervisor XXXX rep # XXXX claimed my credit score was XXXX and that qualified for the much higher rates. However, when I asked what was needed to qualify for the 4.99 % rate advertised she said she did not know and at no point could tell me the requirements needed to qualify for the advertised rate. Also XXXX acknowledged mistaken statement by other reps and said internal training would be done! but would not honor my advertisement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2018-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I believe that the Round Up feature on the Barclays Upromise Master Card is very misleading. They are offering the client to round up their purchases to earn 1.25 % on that round up. The client is already earning 1.25 % on their purchase without the round up feature. For example, if a client spent {$49.00} on a purchase, Barclays will give them XXXX cash back ( 1.25 % of {$49.00} ) If the client elects to round up to {$50.00}, the XXXX is charged as a purchase and the client earns an additional XXXX. So, in essence the client is paying money to get less money. How is this legal? I did call the credit card company to fully explain this to me. I was enrolled at my own direction however after learning the full details, I unenrolled. I think this is a clear case of the credit card company taking advantage of the consumers to make more money. It's ridiculous and should not be allowed.
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: 2018-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX has lowered my credit amount based on information obtained through XXXX. Barclay/Mastercard has not accepted a payment sent out on the to be received by XX/XX/XXXX. They have the payment on their books, and yet, this amount has not been taken from the bank. I'm told this money needs to be cleared by the bank. It was cleared from the bank the minute it was sent to them. This transaction and very suspicious. I have spoken to a customer service rep. so that I can get a cal back with 24 to 48 hours. This is very, very bad business practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I made a payment then realized I used my old checking account called in told them it was wrong account made new payment with right account so here I am thinking everything is ok and then they send me a letter saying they closed account due to non payment insufficient funds and held my money for Almost 30 days before refunding it back to checking account so they actually had the payment and acted like they didnt receive it and also closed for recent delinquency
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear CFPB : I am writing to you because I have exhausted my options. I did not owe anything to this credit card company, they were charging for the annual membership fee and because they were sending the invoices to the wrong address, they put me down as being late. Below is the letter I sent to XXXX XXXX XXXX from Barclays Bank Delaware she works in the office of the president. I am requesting that negative information supplied to the credit reporting bureau be removed. Background, I opened a credit card account with XXXX Bank in XX/XX/XXXX. The credit card has a high limit of {$10000.00}. However, I have not used the card or carried any balance in over 2 years. Barclays was trying to collect an annual membership fee of {$89.00} from me and apparently was sending the information via email to my ex-wife. XXXX was sending the bills to XXXX XXXX XXXX XXXX XXXX, CA XXXX and the email address was XXXX. Both the address and the email address belong to my ex-wife. I had sent a letter back in XX/XX/XXXX letting XXXX XXXX to update my contact information. I have not lived at the XXXX XXXX XXXX XXXX XXXX CA XXXX address since XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX Ca XXXX and my email address is XXXX I had no idea that XXXX was trying to collect an annual membership fee of {$89.00} since all the contact information that XXXX had was not correct. I only became aware of the negative information because I subscribes to XXXX XXXX which sent me notification that XXXX was reporting negative information. As soon as I found out about this issue I called XXXX paid the {$89.00} and updated XXXX with the correct home address and email address. Prior to Barkleys reporting the negative information of a 30 day late in XX/XX/XXXX and a 60 day late in XX/XX/XXXX my fico scores ranged from XXXX XXXX. Because of the negative information my current fico score rage is between XXXX XXXX a drop of XXXX points. Up until this point, I had no negative reporting. I'm in the process of refinancing one of my properties but can not do so because of this negative and incorrect information. Please be aware that your direct actions is impeding my ability to refinance my property which will cost me hundreds of thousands of dollars in higher interest rates over the lifetime of his loan. Please update the credit bureau to show no late payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: The XXXX XXXX XXXX managed by Barclays is the worst in handling accounts as a financial institute. The bank without any kinda of notification cleared balance transfer request of {$9000.00} and then {$6000.00} on the same day. The total amount was nearly {$5000.00} over my approved credit limit and I never got any notification or alert that a transaction is request over my credit limit. Then when I call the customer care they tell me please ready the fine print it is mentioned that balance transfer are approval based on the information provided and can go over my approved credit limit. When I raised my concern on my account security said banks fraud team decide the authenticity on the information provided and will only contact me if they feel it is a fraud. Which mean they are ready to transfer money from my account over the approved credit limit without notifying me in any ways. Which is a high risk and concern for me, provide in this case I messed by request two balance transfer because I never got any notification for the first balance transfer request. But, what if my online account access was jeopardized and a stranger would have request the balance transfer which is over than my approved credit limit. This is a high risk for all consumers in the bank. It is not correct to approve balance transfer request over my credit limit without confirming or notifying the customer who owns the account. It end of the day me who will have to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My Barclays arrival credit had a balance that I was paying consistently. I was then enrolled into a credit relief program. They settled the account with Barclays. This was settled and paid off however Barclays still shows it as a charge off which negatively affects my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-21
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I was sent a letter in a first-classmail, postage-prepaid envelope, saying the sending company received an application for a credit card. The return address is : Barclays XXXX. XXXX XXXX XXXX, DE XXXX Aside from the fact that I did not apply for their credit card, this address is out-of-state. They also chose to attach the optional four digits of a ZIP code in the recipient address, but these four digits do not match those of my actual address. Immediately below the recipient address is a USPS Intelligent Mail barcode, which contains the same false extra digits encrypted. On the center right is a XXXX XXXX code that gives a 16-digit number when decoded. A little over two inches above, a small six-digit number beginning with a " 0 '', followed by " 1/1 '', is written and rotated 270 to fit in the letter 's right margin. On the left margin ( also rotated 270 degrees is a six-digit string, with three capital letters and three numerals. There is also, of course, the alleged company Barclays ' letterhead in the top-right corner, with a leftward-looking eagle silhouette logo to the left of the company name. The letter reads as follows ( personal information redacted ) : " Application : [ 8-digit number ] " XX/XX/2018 " Regarding Your Application for the Barclays Visa with XXXX XXXX " Dear [ first and last name in all caps ], " Thank you for your recent application for the Barclays Credit Card. " We have reviewed your application and determined that additional information is needed before we can process your request. " - Please send a copy of the front and back side of the following documents : " - Your Drivers License/State ID, Social Security card, and a current original utility bill or bank statement with your name and address. " Please respond within 30 days of the date of this letter by sending the requested documentation to the address below. If we do not receive a response within 30 days we will be unable to give your application further consideration. " Card Services " XXXX. XXXX XXXX " XXXX, DE XXXX " We looking forward to hearing from you to complete the processing of your application. " Sincerely, " Barclays '' [ no signature ] In smaller print : " NOTICE : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Barclays is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington , DC XXXX. " The Barclays Credit Card is issued by Barclays Bank Delaware, XXXX. XXXX XXXX, XXXX DE 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: 2018-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-20
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: XX/XX/XXXX.This Complaint, involves not only the Credit Card Provider ( Barclays Bank , Delaware ) , but the 3 Credit Reporting agencies ; as well as XXXX, and XXXX, thru XXXX XXXX , XXXX. All the parties above are involved in an absolute monstrosity of injustice, causing my 3 scores to plummet from # XXXX, to less than # XXXX in a matter of 2 months -- -- all due to a XX/XX/XXXX letter initiated by Barclays Bank, Delaware to my Home Address.The letter stated they ( Barclays ) would close the card for lack of use since the inception, XX/XX/XXXX. I questioned their right to do this, to dictate my spending or choosing not to spend, with their MasterCard.Since I apparently had/have no choice in the matter, I used the Barclays MasterCard in early XX/XX/XXXX, for an even charge of {$20.00} -- -- that's all. I never have received a Mailed Bill from Barclays -- -- to this day.Shortly after my {$20.00} charge, I called THEM, to ensure they had my current home address, which they CONFIRMED. In addition, my call to them was unnecessary, as I was holding their mailed, USPS letter in front of me, dated in XX/XX/XXXX. Nevertheless, NO MAILED BILL, NO FAIR CHANCE TO PAY MY BILL. Kindly check my payment records ( 100 % on time/100 % paid in FULL -- -- and for many many years ), for me to have earned XXXX scores. First, just the fact that Barclays neglects their responsibilities to mail a bill, then has the nerve and gall to report a Delinquent Account ; then follow w an irresponsible report of this alleged delinquency, is unfair and unlawful. In addition, all 3 Bureaus routinely, simply accept whatever garbage, false report any Company decides they'll report -- -- -Carte Blanche . They state their side, no matter how false and misleading it is ; XX/XX/XXXX ; XX/XX/XXXX; XXXX accept this as Gospel, no questions asked ; no checking of their accuracy. I am found guilty as written by them. I then have the burden to prove my innocence to restore my Scores to their original status of XXXX. Again, even if it was delinquent ( obviously, not here in my case ), IS IT FAIR to drop a Consumer 's score 135 points for {$20.00}, that was never billed?? Secondly, the 3 Bureau sites all have online-Dispute forms that are supposed to work (?? ) Do they? Do they monitor them for errors and malfunctions -- -- NEGATIVE. How many times did I go to these sites, only to find the SAME./OLD incorrect info on there, with my resulting, decreasing Scores, as well as Freezes applied by XXXX and others , due to " You already filed 1 dispute '' ( even though far more than 30 days had passed ). They do not change and clear the information supplied by me, the Consumer. Again, not fair and just. Thirdly, the XXXX ; XXXX sites, who provide me Free Monitoring, do not cooperate either, as they claim innocence by not checking the info supplied either. In addition, when I filed many times, Disputes on their Websites, that they " Claim '' to send on to ALL THE BUREAUS ...., their sites are also dysfunctional, either losing my hard work or not sending them to the bureaus as they claim. I go back and forth between ALL COMPANIES, w no justice/no resolve. The number of hours and effort I have used from XX/XX/XXXX to XX/XX/XXXX would require a large capacity Calculator. I would be interested to know how it is fair to me, an excellent Bill-payer for the last 25 years, who has earned my high scores -- -- -to suddenly and without warning, have to put up with all these False allegations???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2018-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I would like the CFO from Barclays Credit Card dept to contact me. I contacted XXXX XXXX on XX/XX/XXXX between the hrs of XXXX-XXXX card ending with XXXX. Information XXXX XXXX XXXX SS # XXXX. DOB : XX/XX/XXXX. Spoke to 2 different females that same day. First female asked me mult. questions in regards to my needs and service. Told her that I and my family are getting ready for our Annual XXXX XXXX trip. Usually spend $ 7k- $ 10K on each trip. I was thinking of using this card as for the perks and service for the first time. So the first female asked mult. questions to verf, on me and then xfer to another female. The Second female person ask mult. questions again and same questions as well. So it was like the first female rept. did not give a warm xfer and just xfer me with no reason why I was calling. So already first call lack of service from a luxury card. Not saying that I already paid them {$500.00} annually fee from the get go. Also the card has never been activated and first card was used without my permission for under {$100.00} at some XXXX gas station. So already mult errors and not even using the card. So the reason for my complaint is that : So the Second female asked purpose for the cc increase : told her vacation she ran my credit report : score XXXX she ask me many questions and for each question she place me on hold for at least 5 mins. Question like why both personal loans : one was for outdoor kitchen and other was for new home design upgrades inside : As of today both loans paid off. took out $ XXXX and paid them off on 6 mths. need proof NP. I will them. So then she ask new XXXX XXXX XXXX cc why : told her my grandmother passed away in XX/XX/XXXX and XXXX honor me 40 % off the {$500.00} suit if i open a new acct. So I did. let me let you know CFO : i underwrite loans and let me let you know. i have over 100k in credit card that have with 10+ trade lines. i have 2 homes paid well $ XXXX in 16 yrs. i have credit since XX/XX/XXXX never late ; 24+ yrs. i have over 35+ trade-lines with comp credit and way more. my annual base is $ XXXX plus $ XXXX annually commission. my dti : is way under 10 % my unsecured debt ratio : 11 % low risk v high risk : please let me know. key factors : length of time of XXXX : since XX/XX/XXXX. since open new acct : too short : why does that matter? low balance : no cc has a balance all {$0.00} paid off. too many accts with balance show me. please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A