Date Received: 2018-08-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX I seriously concerned and disappointed in how Barclays charge interest, apply late fees, and apply other hidden costs to keep the balances high on my credit card accounts ending XXXX and XXXX even after I make substantial payments. I noticed that if I make a payment on the due date after XXXX ( CST ) which is XXXX ( EST ) you apply late fees ; this is fraud. In addition, the amount Barclays charge toward interest and the ending statement balances do not correspond ; this too is fraud. Finally, I can not determine how Barclays is calculating the interest payment in order to obtain the amount of true interest owed - when I try to add or calculate the interest listed it does not match Barclays amount ; this is also fraud. This has been occurring since XXXX on the account ending in XXXX and since XXXX on the account ending in XXXX Regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA 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: CA
Zip: 921XX
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My account has been restricted for well over a month and no person from the entire company can say what the problem is either in writing or by phone. I guess I am entitled to some kind of response from the company that I have been doing business with and making payments for a long time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On Friday XX/XX/2018 I noticed a {$160.00} charge from XXXX that I did not make, authorize, or have anything to do with. On Friday XX/XX/XXXX I called Barclays and reported the fraudulent charge and my credit card was cancelled and I was sent a new credit card. This was a pleasant phone call. On Tuesday XX/XX/2018 at XXXX XXXX I received a phone call on a recorded line from a fraud investigator from Barclays. I believe that I offended him when I asked him some questions to verify who he was because he started asking personal questions. The person was rude and accusatory. Though I repeatedly on the recorded line told him that I had nothing to do with the fraudulent charge he said he could not accept the charge as fraud. The conversation became unpleasant and I ended it. I called back a few minutes later and spoke with another fraud representative and that person reviewed the recorded conversation and came back on the line and apologized and said that she did believe the charge was fraud and stated that my account would be noted. On Monday XX/XX/XXXX I received a letter from Barclays dated XX/XX/2018 stating that the {$160.00} charge by XXXX was valid. I called Barclays again and unfortunately I was connected with another rude and accusatory fraud investigator. He many times did not let me finish my sentence. He eventually read the notes and listed to both conversations from my previous calls and removed the fraudulent charge. In addition to being rude and accusatory he was condescending. The fraud " investigators '' are poorly trained and not very good at their job if they though that this {$160.00} charge from a company based on another continent was a valid charge. I had no prior history of disputing charges. If there is a profile for consumers fraudulently claiming charges are valid I assure you that I do not fit this profile. This was a terrible experience and I am hopeful that others share their stories.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11725
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I opened an account for visa card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XX/XX/XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for Barclays Bank Delaware, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by Barclays. About a week before XXXX contacted me about this, I had received a letter from Barclays in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to Barclays advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX Barclays responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that Barclays had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and Barclays never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and Barclays never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclay bank has reported my XXXX account as delinquent, for 30-59 days when i have made my monthly payments on time, my last payment was on XX/XX/18.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Few month 's ago on my Barclays luxury card statement i discovered they had been charges that was not authorized by me nor anyone else that i know. I immediately contacted Barclays bank and told them that i had opened my statement and noticed there has been charges on my credit card that was not authorized by myself and they asked me if i had lost my card or is it in my possation? i told them i had lost the credit card and do not have it in my possation, and they told me they are closing that particular account and issuing me a new card with a new account number also they told me i am not liable for any unauthorized charges all i need to do file a police report and send them a copy of the police report which i did. to my surprise i had received a letter stating that all charges on the statements are mine and i am liable for it. i immediately contacted Barclays bank again being very upset and i asked to speak to a supervisor and was told there is no supervisor on duty. and i talked to a representative and told them exactly what just happened and they told me that they are going to resubmit the claim. a few weeks later i had received a letter from them that my investigation was complete in my favor. two days later i received a letter that my claim was denied and as the result i am responsible for the unauthorized charges. i was so upset and a friend of mine told me to go online to CFPB and that why i am here now. 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: 95050
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
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: On XX/XX/XXXX XX/XX/2018 a seller that has an online website only called XXXX had emailed me through her email which is listed on that site under XXXX that she had already refunded my money or XXXX. Barclays and XXXX will not help in this matter even though they see the email from the seller. Its now XX/XX/XXXX and both Barclays and XXXX know I didnt receive anything and are still stalling but Barclays admits they tried for two weeks to contact the seller. XXXX said Barclays should be handling it. Both institutions have proof from the seller that she would credit -they both wont credit. Office of the president at Barclays with a XXXX XXXX is useless wont send correspondence via my residence I assume Bc she doesnt want anything in writing and will tape my calls but wont allow her calls to be taped which I find off. They allow a fraudulent seller to get away with this and keep dragging it out. They wont even respond to the bbb case was done last month number XXXX for Barclays. XXXX wont Respond Bc that means in writing to my residence or a taped call both ways which she wont do. So because of this they wont credit the XXXX when they have proof from The seller that she was going to refund and never did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX initiated funds transfer upon account closure ( acct # XXXX ) to Barclays saving account # XXXX on XX/XX/2018. However, this account was closed on XX/XX/2018. Hence, as per Barclays, the incoming funds were rejected and sent back on XX/XX/2018 using tracing # XXXX via XXXX XXXX XXXX, who acts as a clearing bank for XXXX 's bill pay service. Barclay 's proof of transmittal does not contain the account number where the funds were transferred to. Hence, XXXX XXXX XXXX is unable to locate the funds. XXXX XXXX XXXX wants to know additional info or the account number where the funds were transferred to in order to locate the funds. XXXX wants Barclays to issue a recall notice to XXXX XXXX XXXX so that funds get sent back to the issuer. Case # XXXX is open with Barclays for the past 6 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
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: In XXXX of XXXX I filed a complaint regarding fraud on my credit card. This case involved XXXX XXXX and XXXX XXXX credit card. Now this account is closed. On XX/XX/2018, XXXX XXXX XXXX from the Office of the President in the company of XXXX XXXX, called me. She assured me the credit I was due would in fact be sent " soon '' but she could not give me a actual date. 'Perhaps 7-14 days, but she was not sure '. This call lasted about 5min in total. On the XXXX of XXXX I called XXXX and left a message informing her I still have not received the credit. It is now, XX/XX/2018 and I still have not yet received the credit. It is small in nature, under {$500.00}. but now it is the principle of the matter over amount. To be promised something from such a large credit card company, after a complaint is filed, and then to have no result, is mind boggling to me. I do not understand how companies can get away with this at all. Hopefully in filing this follow up complaint, the XXXX is able to assist me and cause this company to keep their promise. Thank you, and I look forward to resolution soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A