Date Received: 2018-10-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to the number of bankcards opened within the last 24 months. At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. I feel at this time they are not giving me this card due to the fact my last name is XXXX. Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. Thank you, XXXX XXXX Application number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I attempted to redeem cash back from my XXXX XXXX XXXX card on XX/XX/18. I unintentionally clicked to redeem uber credits thinking it was credit to be applied to my XXXX credit card. It turned out I actually redeemed over {$450.00} worth of XXXX ride credits. I immediately called Barclays/Visa to explain I wanted the points to be used to apply to my current credit card balance. Visa/Barclays explained to me that they could not reverse the redemption and to contact XXXX to see if they would reverse the redemption. Subsequently, I contacted XXXX through their twitter and app helpline ( they do not have a phone line for complaints ). They stated, " Sorry to hear about that. Unfortunately, Gift Cards are not refundable, returnable, transferable or redeemable for cash. Thank you for your understanding '' and did allow me to respond to further explain the situation. I misinterpreted " XXXX Credits '' as a credit to be applied to my credit card account. I believe the XXXX or XXXX should be held accountable to refund my reward points. I would normally not file a complaint, but {$450.00} is not pocket change to me ; especially when the company has no problem charging individuals a APR of 25.49 %.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To whom it may concern, I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to Unsecured revolving credit history short. At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. I feel at this time they are not giving me this card due to the fact my last name is XXXX and I am a female. Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. Thank you, XXXX XXXX Application number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have transferred balances under a 0 % interest offer ( I have multiple due dates for these transfers ) with Barclay Card. I consistently pay far more than the monthly payment requested. These payments are always applied to the transfer that has the soonest due date under the 0 % interest rate. I had a balance that was due on XX/XX/2018 of {$530.00}. I submitted a payment of {$700.00} on XX/XX/2018 and a payment of {$250.00} on XX/XX/2018. When I reviewed my statement released on XX/XX/2018 it showed they applied those payments to amounts not due until XX/XX/2018 leaving a balance on the amount due for XX/XX/2018 of {$160.00} that will incure an extremely high interest charge. This has not been occuring with other payments in the past year which implies it was purposefully applied this way to create an interest due on this amount. I am contesting the legality of this since the response from Barclay Card is a consistent 'any amount paid above the minimum payment each month must be applied to your highest Annual Percentage Rate ( APR ) first, until each APR balance is paid. It does not specify that it must be applied to the APR balance that is expiring first. Therefore, any amount paid above the minimum payment may be applied to either balance if they are at the same rate. ' Since all balances have the exact same interest rate and the precedent for ALL of the previous payments that were over the minimum payment were applied to the balance due first this statement was not applied until this balance due date. This is not an ethical or fair distribution of the amounts paid to this card for this promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: for over 3 years I having been trying to have erroneous information expunged from my report through government channels. My previous complaint ( XXXX ) has had no response in over 2 years! On a recent credit check I realized it has still not been removed. Barclay has failed to legally respond and address this issue. Should I pursue a legal remedy?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76034
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX I filed a dispute through XXXX for 2 Barclay card credit cards I had charged off. Reason for filing was that I wanted to pay off my debt but they refused to accept my money, nor would they tell me who owns the loan now. They took my number down and promised a call back, which never happened. On XX/XX/XXXX XXXX reached out to Barclay and they slapped me with 2 years worth of late payments in one day, which were not on my credit report before. I have been attempting to payoff that debt for over two years with no success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: - Barclay 's Credit Card claimed a payment was not made on time. - after further investigation found out my payment to Barclay 's, had been posted as paid and cashed using a XXXX XXXX account ( copy of cashed money order from my personal bank ). - I called Barclay 's and mentioned what found, their response was " we don't know how this happened, it's not our fault '' then proceeded to claim my account as delinquent & tagged on a {$50.00} late penalty fee. - long story short I contacted XXXX XXXX and found out the account in question actually is an account that belongs to Barclay 's, which XXXX XXXX retains on Barclay 's behalf for receiving credit card payments from customers like me. - I then called Barclay 's and explained what I found, then asked for outstanding amount I owe so I may pay it in full. - once payment is received and posted by Barclay 's I intend to cancel my Barclay 's credit card. Reason am reporting this instance is to have on file as a complaint, and for others to be wary, of Barclay 's Credit Card " practices ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11379
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While XXXX from XX/XX/XXXX to XX/XX/XXXX ( see attached " Certificate of Discharge '' document confirming my XXXX ), someone stole my personal identification documents ( driver 's license, Social Security card, birth certificate, tax returns, bank and credit card statements, and other sensitive financial documents ) and used the information gained from those documents to fraudulently open a credit card with Barclays Bank Delaware on XX/XX/XXXX. I became aware of this fraudulent acct when I obtained a copy of my credit reports and saw this acct being reported. This fraudulent acct is currently showing a balance of {$4000.00}. The last 4 of the acct # are XXXX. This transaction was not made by me or authorized by me. I have not at any time made my personal identifying information available to anyone, and have not benefited from this transaction in any way. On two occasions ( XX/XX/XXXX and XX/XX/XXXX ) I reported this fraudulent account to Barclays Bank and sent them the attached dispute letter, police report, proof of XXXX document, and other supporting documentation. However, on both occasions they failed to stop reporting this fraudulent account to the credit bureaus when there is no doubt that I could not have opened this account if I was XXXX. In accordance with the Fair Credit Reporting Act, I have submitted all required documentation and statements to prove that I was the victim of Identity Theft. However, in accordance with the FTC Notice to Furnishers of Information and section 605B of the Fair Credit Reporting Act, Barclays Bank is failing to adhere to its responsibilities under both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Subject : 7-10 business days waiting period for credit availability after payment has been debited in the checking account. RIDICULOUS!!!! 1 ) paid {$1500.00} to barclaycard credit card on XX/XX/2018 ; money was debited on the bank on XX/XX/2018. 2 ) supervisor of the credit card promised to make credit available on XX/XX/2018 XXXX ( EST ) but did not happen. 3 ) i have been with this card for the last three years. not even one miss in ANY OF my payments. and i have used this bank account for payment before. 4 ) called customer representative and keep telling me that i should wait. they are even refusing to give me the names of the representative and supervisors name ; called XX/XX/2018 XXXX XXXX ( EST ) and XX/XX/2018 XXXX XXXX ( PST ) 5 ) in my history of payments in this particular card, i have always paid in bulk or in a large sums of money. and yet they would not even take that into considerations 6 ) PLEASE HELP ME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been sending echecks to XXXX for years, on time. I was contacted on XX/XX/18 by phone stating my XXXX payment wasn't received. Even though at the time, and still am recovering from XXXX, I called the number for their customer service. I spoke with someone and told them about my XXXX and was baffled why this was happening. Nothing had changed and I had writing and verbal confirmation from the paying bank that the payment was received. I also just sent a photo shot of confirmation of payment received directly from XXXX. They continued to harass me even after I sent them proof from my bank that payment was received. They told me my credit score was going to change. Also, on my first call, the customer service representative wanted all my banking information?? When I called my bank they told me that the representative should never have asked for that information. I believe since my payments were always on time and this was a zero percent interest account, they are trying to get late fees and raise my interest to get the interest they getting get because my payments were always on time. I have it set up as echecks from my bank. At this point in time, they continue to harass me saying my next payment wasn't received again! I have proof that it was. I would like this situation immediately remedied so I can transfer my balance to a reputable company! Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A