Date Received: 2018-09-11
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: Back on XX/XX/2017, a charge in the amount of {$1100.00} was charged by me to my Barclay 's hit my credit card account. I had returned the shoes back to NM and afrer 2 weeks, I reached out to them. They lied they never received shoes even though I used tracking they provided. Upon tracking, I saw they did receive shoes and reached out to Barclays to file claim. every month, I was faxing paperwork Barclays requested back and forth for almost 2 months. They reached out to NM and advised me they needed further info. Proof of tracking which I sent to them in XXXX. I never heard back and called in XXXX and was told they were still investigating. I called in XXXX and was told same. I called in XXXX and rep apologized profusely, appeared my case was forgotten about and deadline was done. No one had reached out to me or sent me a letter. He apologized and advised he would have a supervisor call me in 2 business days. Imagine my hock when Barclays sent me a letter that they are refusing my claim because I never listed that NM sent me wrong shoes. We had went over this numerous times. I advised the first rep I spoke to of this instance. They forgot to follow up on my case, ran out of time and want me to bear the loss which is a shame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Made payment on my credit card. Barclays Bank web site shows payment posted today, XX/XX/2018. Tried to use my card. Denied twice. Viewing the Barclays Card Hawaiian Airlines Mastercard website the summary of my account ( screenshot enclosed below ) shows Credit Line {$500.00}, Current Balance {$120.00}, Available Credit {$0.00}. The amounts Credit Line less Current Balance NEVER equal Available Credit. There is NO explanation on the website why the math is inaccurate. Called customer service at XXXX XXXX HST and spoke with Barclays Card Hawaiian Airlines Mastercard Representative XXXX. XXXX told me that even when funds are received by Barclays Bank they may take up to two business days for funds to be avaiable as Available Credit in the account. Multiplied across the millions of Barclay 's Bank Hawaiian Airlines Mastercard clients this 'holding ' or 'float ' represents millions of dollars of customer 's money received by Barclays Bank XXXX and held by Barclays Bank XXXX If this practice is not ILLEGAL it should be. In our current day of electronic transfer there is no excuse to hold customers money. Highly unethical and fraudulent. Do investigate this practice which has been going on for 3 years with my account ( and very likely all Barclay Bank accounts ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: All I know is the thing on my credit report is BRCLYSBANKDE and I dont know what this is
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54302
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Barclays card said my credit is good and that I have to send them additional document. The person on call quoted the Patriots Act and I asked why is it not mentioned when requesting for details of the application. I told them if I had known it would take 10 days to get the card then I would have not applied. The reason I applied for the card is to buy gift for someone within a day or two. I then told them I do not need the card but they should reverse the hard hit on my credit. The Bank said they can not do anything. I spent 45 minutes explaining my predicament but looks like they do not care. All this happened on XX/XX/2018. I will never apply for BARCLAY bank 's card. This is for financing through the bank for XXXX products.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
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 filed a chargeback for my XXXX credit card for a merchant that split my purchase into two charges and then did not deliver what I ordered. I contacted Barclays about the problem and began a dispute. They sent me a letter asking for more information and I sent them the information they requested. Less than a week later, giving no time for mailing, they said we havent heard back so we are closing your dispute. I again responsed with the information they requested and they have not continued the dispute, They have made it impossible to get my money back and screwed up the chargeback and now I want them to refund me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. They did give me a file number : XXXX Inquires : XXXX BRCLY BANKED XXXX XXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Thanks for letting me describe situation. It was regular purchase in XXXX when twenty min later I got notifications through XXXX XXXX app like someone did hard inquiries what I was surprised. I didnt apply for anything. Next day I called to two organizations ( banks ) and they says that they will investigate it and will stop applications process ; I thought is done. But now I got another notification about adding another credit account on my name. Please help to stop it. I dont know why and who is doing that. Even I called companys they still processing fraud applications. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2018-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-07
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Barclays responded to my complaint and sent a letter dated XX/XX/2018 but there is a discrepancy on date which letter was generated and it's authenticity. On XX/XX/2018, I spoke to Barclays representative and confirmed that there is no letter/correspondent being generated or drafted and this can be confirmed by Barclays since all phone conversations are recorded by Barclays. In the letter reason why they lowered credit line was because of 'Utilization of revolving accounts is too high. ' They FAILED to provide details in numbers/percentage of the reasons to lower credit line to support 'Utilization of revolving accounts is too high. ' They have no supporting statement nor they have valid reasons/justification to lower credit line. Once again, only reason why they lowered credit line is because I have made {$8000.00} payment and this is clear violation of Credit Cardholders Bill of Rights and Credit Card Act. If I have made {$10000.00} payment, credit line would have been lowered to {$4900.00}. Barclays do not have clear guideline or justification of why they decided to lower credit limit to {$6900.00}. ***THEIR DECISION IS ALSO BASED ON CREDIT REPORT THEY RAN ON XX/XX/2018 WHICH IS NOT MOST UP TO DATE AND THIS IS SERIOUS VIOLATION. *** Barclays also FAILED to provide what my credit line/limit should be. This is once again, ABUSIVE and UNFAIR credit card practice. BARCLAYS ALSO FAILED TO PROVIDE WRITTEN CREDIT CARD AGREEMENT ( WHICH IS SIGNED BY ME ) TO SUPPORT THE REASON WHY THEY DECIDED TO LOWER CREDIT LINE/LIMIT. Please investigate this serious and intentional violation.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter requesting personal information to open a VISA card that I didn't apply for. [ This may be a scam ].
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2018-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
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: I have a Barclay card that has been CLOSED for 3 years. I am on a special program for 5 years which I pay XXXX a month via automatic draft. I have not missed a payment in the last 3 years due to me having automatic draft. I received an email because I am an paperless customer that my payment went to XXXX on XX/XX/2018. So I immediately called Barclay and was told that I need to make a payment of XXXX on my account. I was told that the program I am in you have call every year to renew the automatic plan I am in. They said they mailed me the information. I proceeded to tell them that I am a paperless customer and I didn't receive the info only an email of higher payment. The first representatives told me I was 30 days late for XX/XX/2018 and they were reporting it to the credit bureau. She told me if I renewed the the 12 month automatic payment then it wouldn't report 30 days late. I told her I was informed in the past the only way you could be in the five year program is to have automatic draft. I never received anything to renew this automatic draft. I proceed to ask how am I 30 days late if i made a payment on XX/XX/XXXX and it was XX/XX/XXXX. They told me I was past due from 3 years ago which all of my statements I receive says amount due XXXX no more or less. I asked if you were reporting it they not if you sign up for XXXX more months so I did that an made a XXXX payment on this call. I called back and asked can I get the 30 day late payment removed due that this was the only time in 3 years and due to the fact that information was not given to me about my account the way they were claiming. I informed them that I have been approved for a home and I am closing soon and I can not have any late payments and this would result in me and my family being homeless. I was told to write a letter to them which with the time for closing I do no have. I called back on XX/XX/XXXX at XXXX am and asked the Rep XXXX for a letter stating I am on a five year payment program because my lender asked for it. I told him because that Barclay is reporting me incorrectly. XXXX reassured me that the info given was 100000 % incorrect from the previous agents that I was given on the phone and that my account was fine. XXXX also told me that he worked for the company for 5 years and that he can promise on his life that Barclay would not be reporting anything and my account was not reported. He apologized on Barclay 's behalf and took my number for a supervisor to call me because he said it was absurd and shouldn't have happened to me and they were wrong and he repeated all of my info and said he didn't see anything about reporting and the account was perfect and gave me his name and said he was the only Person named XXXX and that he was going to update my notes in my account. After the phone call with XXXX I received an notification from my credit app that Barclay indeed reported me 30 days late. I then called back and was on the phone with 30 different people for a total of 2 hrs that all told me different things. 3 of the 4 told me that XXXX was right and Im fine and to write a letter and I couldn't not speak to the credit department because they don't deal with phone calls. The fourth person said he wasn't sure and that he saw XXXX note and that he would put a request in about listening to the recorded calls. I emphasized again that I will be HOMELESS if this isn't fixed along with my family due to their error. I called the Presidents office at this point and they did an investigation. He called me back XX/XX/XXXX or XX/XX/XXXX and told me that they can not remove my late payments. He apologized and said yes I was told wrong information by all of their employees and that they would talk to the employees about their doing. This doesn't not benefit me only Barclay, to help themselves and future customers not me. He was apologizing and said they could not do anything and said sorry. I yet again said sir its an error on you company behalf. I was told information by 4 different employees and you can not remove one late payments due to the fact of the employees giving me wrong info that my account was current and on time. The 30 day late payment being wrongfully reported resulted in my credit score going down 50 pts with each bureau. Barclay lies will result in me being HOMELESS and not being able to get the home for my family but also not even an apartment that I already didn't renew the lease because of me getting ready to close on the home because of their wrong information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A