Date Received: 2018-08-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an XXXX MasterCard. I pay an annual fee and in return do not get charged a surcharge on overseas transactions. When using the card in XXXX, the XXXX bank offers the merchant a choice of charging me in Euros or in Dollars. The rate of exchange the XXXX bank uses to calculate the Dollar amount is, of course, a rip off. I have tried to get merchants not to choose the Dollar option. But they don't always understand, and in a restaurant, I am not standing next to the waiter as they process the transaction. I am sure this practice must be costing cardholders millions. It should be stopped. And of course, I should be compensated for the losses I have suffered. I am attaching a statement. Most recent charges are in Euros. But there area few XXXX charges in Dollars. This is where they are ripping people off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-19
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had a XXXX and had a balance of {$2900.00}. They lowered the credit limit to {$2700.00} and charged over-the-limit fees on top of the other fees causing the monthly payment amount to skyrocket to nearly {$300.00} a month, making the monthly payment no long affordable. I am uncercertain who to contact at XXXX for payment. Please help me reach out to XXXX to make payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2018-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-19
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please? Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why?? XXXX, XXXX XXXX, XXXX XXXX, XXXX, BARCLAYS BANK DELAWARE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2018-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-18
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: This letter is in response to DENIAL on my claim, Case number : XXXX XXXX of account number ending in : XXXX. That I Initiated on XX/XX/2018 of a total sum of {$4500.00} due to me being a victim of FRAUD SCHEMES. I have the legal right to a full and proper investigation under The Fair Credit Billing Act and The Truth In Lending Act Federal Law. I do feel that my rights have been violated due to not receiving a proper and fair investigation under my circumstances. Barclaycard ( XXXX XXXX XXXX ) Has failed me by NOT conducting a reasonable investigation of my dispute accordion to the Law. I called the Dispute Department on XX/XX/18 and spoke to a lady by the name of XXXX with barge # XXXX. I called because I realized that temporary credit that had been placed on my account while Investigating this claim had been reversed and wanted to get explanation to whyXXXX XXXX advised me that the reason why my dispute is been reversed is because they have had from the processor and they have said that I have received all my services that I had paid for. I let XXXX know that cant be true because a money processor cant know that kind of information. The roll of a processor is to process payments for a company that all. I continued to ask her for written document stating why my dispute was denied and also a document for the processor stating that I have received all my services. XXXX finished the conversation stating that I should receive a document by mail in 10 business day stating their findings and the processor. I called back to Barclaycard ( XXXX XXXX XXXX ) XX/XX/2018 after receiving a letter in the mail explaining why my claim was denied but there was no document from the processor stating that I had received all my services. When I call it was the same lady XXXX with barge # XXXX who I talked to in my last call on XX/XX/18. I started explaining why I was calling. I talk about the letter that I received in the mail that is stating that a merchant has since supplied documentation that details what the transaction represented and also said that they had enclosed a copy of the documentation for me to review. When I brought this to XXXX attention that I didnt receive any document from the merchant with this letter. Now the story changed and she was trying to convince me that that letter was contradicting and that wasnt what it meant she continued to say that my claim was denied because I didnt fill it with in 60 days. When Insisted about wanting to receive the merchant documentation that they received so I can review them she stated that they DIDNT receive ANY DOCUMENTS FOR THE MERCHANT. I was so upset because I know I was been lied to and they hadnt full investigated my dispute and they were just giving me the run around so I can get frustrated and give up on my dispute. I did let XXXX know that I will be filling a complaint with CFPB because I was not getting the help deserve. There is no way that a fair and complete investigation was contacted in this case. Barclaycard ( XXXX XXXX XXXX ) did not look into my claim and only made a lie that merchant had provided them with prove that I had received all services but when I ask them to provided me with that prove in writing so I can review it they were unable to do so and their reason for denying my claim changed to some this else. They have no intention of helping you there main goal is frustrating you to giving up the pursue of your claim. I was a loyal consumer of Barclaycard with no incident till this happened to me and am very shock of how they treat their customers. I am a victim of fraud schemes and I purchased educational service ( which I though that would be beneficial to my life ) with XXXX that cost me over {$60.00} thousand of which I paid over {$4500.00} using this Barclaycard credit card. I paid the rest using other different cards and those credit card companies have been very helpful and understanding and some have give me a full credit after their investigation and others are still investigating my claims as I write this. I believe I have only dealt with Barclaycard regarding this matter three times and all those times were over the phone. The Initial time was on XX/XX/2018 when I first put up the dispute. The other two times were on XX/XX/2018 and XX/XX/2018 when I was following up on the dispute. Barclaycard never asked for any additional information about my claim either in writing or over the phone apart from the first interruption when I called in to fill for the dispute. So all their decision was based on my first call to them and had no other information on this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BRCLYSBANKDE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/2017.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2018-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
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: We are writing to dispute charge on XX/XX/XXXX ; ( {$3800.00} ). on our XXXX, XXXX XXXX Visa Address : XXXX XXXX XXXX XXXX, DE XXXX After a ( 4 ) hour, high-pressure sales presentation, we reluctantly entered into a timeshare agreement with XXXX XXXX XXXX, ( XXXX ) before discovering the extent to which the company has engaged in unfair, deceptive and fraudulent sales practices. ( Phones not working, etc ). They made us open a XXXX Visa credit card and put the down payment ( {$3800.00} ) on it. The terms that we agreed to are not what the company ( XXXX XXXX ) has delivered. I received an email from XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. XXXX fully cancelled our contract with them. XXXX totally did not want to argue or litigate a suit we would have against them. ( I will also attach their emails on the cancellation. ) They realized their deceptive practice and terminated our contract with no problems. They told us to contact Barclay on the down payment. We disputed the amount of {$3800.00} which was used as a down payment to purchase this worthless timeshare for over 7 months. There were two charges by XXXX XXXX XXXX on XX/XX/XXXX. {$30.00} which went to closing costs and {$3800.00} went to the down payment. XXXX, ( XXXX XXXX Visa ) refunded {$30.00} on XX/XX/XXXX. Barclay realized their deceptive practice. Barclay needed to refund {$3800.00} to us as well. We were charged {$3800.00} for nothing in return. We disputed this, but to no avail. They will not refund our money, stating XXXX will not refund them the money. This complaint is against Barclay Visa for not refunding our down payment that we gave XXXX and put on the card. ( Actually XXXX should give the money back to Barclay first. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I closed this card quite some time ago, and I am being billed 17.99 % APR on {$1500.00} and 23.74 APR for cash advance of {$1400.00}. This is usury at it ; s ugliest and deception.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 1.Brclysbankde Inquiry from XX/XX/XXXX 2.Brclysbankde Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Regarding visa # XXXX On XX/XX/XXXX I inadvertently made what should have been my car payment in the sum of {$390.00} to Barclays as my monthly payment when I intended to only pay the minimum payment of {$40.00}. This payment was made via automatic payment from my money market account. On XX/XX/XXXX I called Barclay card and advised I didnt intend to pay that amount can they please deduct {$40.00} and send me the difference. I was told they could not because the payment was sent by a third party I advised it was not it was automatic payment from my account. I called XXXX had XXXX on the line spoke with two managers XXXX confirmed the payment was not paid by a third party it was paid directly from my money market account via automatic payment through XXXX both managers refused and continued to refuse to return my funds because they claim the payment was posted as third party payment likely a mistake by Barclaycard. Even with XXXX on the phone confirming it was not a third party it was my automatic payment they still refused. Both managers also claim payment made by third parties can not be returned at all even in these situations when a customer asks for there over payment back. I informed both managers that they are holding my funds XXXX and clearly they are violating laws by not returning a customers funds even when the bank confirms the payment came directly from my account. All of the conversation which is recorded and will be subpoenaed if need be. However I am asking the CFPB to intercede In assisting with the return of my funds that came directly from my account even if it is via check directly to me so there third party concern which doesnt exist can be resolved. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
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: Barclay Bank gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to XXXX and they never put it on my report that this charge is in dispute and are dunning me for payments for Barclay Bank. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my Barclay card to you to return to them. I did not want the phone but Barclay insisted I buy it to please XXXX. It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The XXXX still refuses to put this on my report that this charge is in dispute and keeps asking me to pay Barclay when it is in dispute. The XXXX is supposed to put that on my credit card that this charge is in dispute but refuses to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A