Date Received: 2018-07-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Updated payment bank account within online portal almost a month before my next payment was due. Thought I was okay until I received a NSF fee from my old bank. Called Barclay to find out what happened. They told me I was on autopay, and updating my bank account doesn't change the autopay ( What does it do then?! ) and I needed to snail mail a letter with my bank account information requesting the update. With all the fraud and identity theft issues going on in this day in age, who in their right mind is going to put that information in the mail?! Now I'm stuck with a {$35.00} NSF fee from my old bank, a late fee + interest from Barclay cc, and my first ever late payment, thereby affecting my credit. ( My first EVER late payment on any account! ) The representative was no help, and told me they are not responsible at all. When I tried to speak with a supervisor she told me there is only one and she's out and will have to call me back. Still no call back ... ... Let 's face it. They will never call me back. That piece of paper she wrote my number on went straight in the trash. She already told me they don't care, it's my fault. So upsetting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2018-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Attention Mr XXXX XXXX : Today I called into Barclays XXXX customer service and inquired as to having a hold released from a payment that was made 2 days prior. I needed to have funds made available immediately as I had automatic bill payments coming to this account that wont be paid. The payment was for {$5100.00}. Ive had this account open for a year and they still continue to inconvenience me by holding my ELECTRONIC payments. Ive paid over {$15000.00} to this account this month. Ive never had a late or returned payment. This is unacceptable how Im being treated! This has happened several times before and they would usually call over to my bank XXXX XXXX, verify payment posted with them and immediately make funds available. Today, I spoke to a condescending representative named XXXX who refused to resolve problem in any way. I was denied to speak with their credit department. After repeatedly asking to be transferred to someone else, I was transferred to a manager Mrs XXXX who when asked, didnt know who the president of this bank was. This is hilarious! A manager who doesnt know the President of the company that she works for. Ive attached a screenshot showing payment already posted to XXXX XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2018-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-26
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have filed with the comptroller of the currency. This company is in the dark ages. They have blocked access to my account because they have no clue what they are doing and can not even ID me when I am calling them. My new XXXX XXXX XXXX credit card is the product I have. I wish I never applied for the card. I have called and they have no clue how to ID over the phone and expect me to mail them driver license, Social security card and bank statements to prove who I am. No way to email them the documents scanned into pdf and no clue as how to access public domain questions to Id over the phone. I have never in my life had to mail in documents to any company. They are simply either complete morons or jacking me around. How to keep new customer they have no clue. I have a Barclays USA bank for the last 3 years or more on top of this. When I ask them if I just wanted to close my account instead of mailing the information they gave no way as to how. Complete XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was buying XXXX XXXX XXXX XXXX, spoke to customer care in XXXX XXXX, XXXX XXXX that, that specific product is not available in other store than XXXX XXXX itself, so suggested go financing for 18month @ 0 % interest.so it took me to barclaycard website.so I applied.they denied my credit.i just checked my credit report that they did a hard inquiry on my report, which is not right.please help protect my right.thanks.im an us cutizen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34986
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/18 I paid in full my Barclay MasterCard ending in XXXX the balance was {$2800.00}. As always I would check my account online or by phone.Since I have this account I always keep it in with good standing.When I call in the system would always ask me a series of security questions to confirm it is me such as my date of birth, the last four digits of my social security, mailing address, mother maiden name.When I call in to check on my account it ask once a series of question security which I answer with no problem then I was transfer with to live a person in customer service which I answer and pass a series of question.Then they say they still a problem of ID that is me. Then they ask me to send a copy of Driver License, Social Security Card, Utilities bill which I did and I did not heard from them in many things.So I contact them again then they got them but now I need to make a copies of the back of my Driver License and Social Security Card and I also told them the second time that I have two address one for my primary and the other secondary.Then I mail a copies of back of the two documents they requested then still I did not heard from them for many days once again I have to contact them and go to a series of question and they still place restriction on my account. I have reason to believe they have done this because Iam XXXX.
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: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an account with Barclays Bank XXXX extra points reward credit card. This card was issued to me a couple of years ago knowing that i had a BK back in XX/XX/2009. I just received a letter from them stating that because of this they have lowered the available credit limit by XXXX. They arbitrarily did this by running a new credit report and seeing that i had other accounts with balances however they cited the first reason for lowering the credit line was that i had a public record file from XX/XX/2009 which they already knew when they issued the card! In addition to this i have NO late payments with them and always pay MORE than the minimum due. I spoke to customer service with a XXXX who said that they didn't like how many outstanding accounts i had and decided to lower the credit line. In doing this by cutting down the available credit availability they are damaging my FICO score by increasing the amount percentage of utilization by lowering the available credit line that they established. This is a completely unfair practice given my payment history with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Approved for a new JetBlue Credit card from BarclayCard US on XX/XX/18. Company claims they mailed a card, but was not received after the time stated it would take ( waited over 10 days from approval to calling customer service as advertised ). Called customer service on XX/XX/XXXX requesting a new card be sent. Was charged an expedited card fee of XXXX $ On XX/XX/18, however, this fee was not disclosed at time of request. If the fee was disclosed, I would not have requested the card. Other card companies I use have either disclosed this type of fee or have not charged/waive this type of fee altogether so I can make a decision based on the amount of the fee. Im concerned others are being charged this type of fee without required fee disclosure notice.
Company Response:
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Barclaycard Ring Mastercard during the week of XX/XX/2018. My main attraction to this particular card was the 0 % intro APR for 12 months on balance transfers made within 45 days of account opening. I was looking for only credit cards that offered the 0 % balance transfer fee. I applied and was approved for this card via email on XX/XX/2018. I received my card in the mail on either the XXXX or XXXX of XXXX. My terms and conditions inside the envelope were different than the ones I applied for. I had a low interest APR of 10.74 %, however, I saw nothing about the 0 % intro APR on balance transfers. So when I called to activate the card, I asked someone about the offer I thought I was receiving. At first, the woman I spoke to says there was no offer for 0 % and that I would be paying the 10.74 % on the balance offer. I explained to her that I only applied for this card for the 0 % APR. That offer was and still is on their website ( as of XX/XX/18 ). The representative spoke with a manager and they were able to resolve the issue. She proceeds to tell me that initially, we will process the balance transfer with the 10.74 % but after they do everything on there end, ultimately after maybe a week or so, the APR will be the offer rate of 0 %. I was happy about this. Confused as to why it took all of this work for an offer they still have advertised on their site, but happy. So yesterday, XX/XX/18, I was prompted to call Barclaycard because the card company I was transferring the balance from emailed me to make my monthly payment soon. So I checked my online account with them to see if the balance had changed with the balance transfer since it had been a week. They told me when I did the transfer that it would take between 7-10 business days. When I called to see what was taking so long, I was told the same thing I was initially told that there was no offer for 0 % available. So me and the new rep ( XXXX, ID : XXXX ) go back and forth for a little while about the issue and I tell her that all of this information should be in my notes. She looks and says that I was correct but what actually happened was my case was sent to the escalation team and they had to approve the change and they didn't. So now I am infuriated. The first rep I spoke with NEVER told me that her actions needed to be approved. I was under the impression that her supervisor gave her the authority to complete the task and that all of this was done. Someone is obviously wrong at this point and they are taking me in circles at this point. I don't even want the card anymore. So she creates another case. I ask to speak with the escalation manager that denied the request in the first place. In order to do that, the person would have to call me. She calls me on XX/XX/18. Her name is XXXX and she is the Escalation Manager in the Nevada office ( ID # : XXXX ). XXXX and I go back and forth because she tries to tell me basically that there is no offer for 0 % intro APR and and that they will have to send this case to the back office for investigation to see what was actually offered when I applied. I didn't feel like she was understanding my frustration or trying to make the situation right as a manager. SO AFTER OF ALL THAT, I still have to wait up to 30 DAYS for the back office to investigate this issue and make a ruling on how they are going to proceed. To me, they should honor the offer I applied under. PERIOD. The offer is still on the website as of today, XX/XX/18. They are false advertising this offer for more applications and I will not stand for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I received by mail a " Pre Screened '' offer from Barclays Bank of Delaware to apply for a personal loan between {$5000.00} to {$35000.00} ( if approved ). The following paragraph is what prompted me to inquire about credit rates : " Checking the rate and terms you may qualify for will not impact your credit information. However, if you submit a completed application to obtain a loan, your credit score and information may be affected. '' The letter very clearly states that the applicant is allowed to check his/hers credit rate and terms, before applying for credit without having an impact to their credit information. Once I filled out the required data to check for the best credit rate for me, I waited for the information requested. Instead I received an instant message on my screen and an email stating that my application for credit was denied. The information I submitted was only to be used the check the credit rate and terms, not to apply for credit. Because of this action my credit score has been negatively impacted and I feel this company was deceitful in the way their website handles consumer 's information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2018-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays Bank of Delaware was made aware that it was opened fraud. I did not open this account and I asked that it be deleted from my info. I sent them a copy of the police report and sent numerous letters. they were suppose to delete this from my info and not report as closed and still left it on my credit report. there should be laws governing these type of maneuvers by consumers against people who file complaints. I have spent years trying to get this company to remedy this complaint. I have sent the following documents listed below Copy of Police Report copy od Drivers Kicense Copy of Social Security Card Numerous Letters
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80239
Submitted Via: Web
Date Sent: 2018-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A