Date Received: 2018-07-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I contacted Barclay card about lowering the interest rate on my account so more of my payment is made towards the balance, they refused and their reasoning is because the balance is to high. The purpose of a lower interest rate to pay down the balance. With the existing interest rate on the account the monthly payment is becoming to much and I will not be able to pay it next billing cycle.
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: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/XXXX a charge was posted to my Barclay card for XXXX from XXXX software protection. I had NO idea. I had no balance on this card for over a year and NO payments. I was finally notified by Barclay on XX/XX/XXXX that I owed XXXX and it was late 4 months. I was so surprised and argued with them that I had not charged anything on this card for about a year. I was never notified by either party Barclay or XXXX about the charge. The rep for Barclay did reverse the XXXX late fee for 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I payed the balance off on that phone call XXXX XX/XX/XXXX. I still had to pay XX/XX/XXXX & XX/XX/XXXX late fee and interest the whole time. I was never contacted once about this fiasco.My credit score before this happened was XXXX and now is XXXX. Now I find out they closed my acct on XX/XX/XXXX. I want my acct back and my credit purged back to XXXX and I think the credit card company owes me the fees back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96740
Submitted Via: Web
Date Sent: 2018-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My husband and I got XXXX XXXX / XXXX XXXX XXXX ONLY so that I could get Mosaic status. The invitation was in his name so, somehow HE became the primary account holder. I called and asked how I get Mosaic status and the rep TOLD ME " ... just spend $ XXXX ''. I fly EVERY week for work. He never travels. I put an entire kitchen renovation on this card to get to $ XXXX. And now that we've reached the $ XXXX threshold, I'm told that only HE gets Mosaic status, not me!? And they can't switch the primary account holder ( even though my credit score is better than his ) or transfer the Mosaic status!? How do I resolve this?! I've been putting absolutely everything on this card and NOW they say this benefit only applies to him!? That's NOT what the rep told me when I opened the card! Completely deceptive and unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01890
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Called to open my brand new credit card and the representative on the other line started questioning my identity when I had clearly answered all of the security questions. She asked me very personal questions related to my education and wether or not I had graduated from college or high school. Not only did she discrimaminated against me because I am XXXX but I'm sorry I have credit cards over {$10000.00} dollars. Why in the world would I do any business with this bank that gave me a {$1000.00} credit card account. Ridicoulous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
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: On XX/XX/XXXX, I requested an online US {$3000.00} Balance Transfer from my XXXX XXXX Mastercard, operated by Barclaycard, to be done on my Visa XXXX XXXX credit card. After a few days, I realized that the amount requested wasnt accredited to my XXXX credit card, but totally charged to my XXXX XXXX master card, and fees. Then, on XX/XX/XXXX, I called Barclaycard Customer Care Dept., and requested to cancel the transaction, because still wasnt effective to my external credit card on that date, so it was created the case number XXXX. They said I would have response within 15 days later. On XX/XX/XXXX. I have sent an e-mail to Barclaycard Customer Care dept., requesting a solution, but they confirmed case was still created, but will take between 30-60 days. Because I didnt get any information, another e-mail was sent from me on XX/XX/XXXX, and their response was, that the worker assigned to my case was unable to reverse the balance transfer, as the payment had already been sent, and, supposedly, a proof of payment letter was sent to my mailing address, to provide it to my external bank ( XXXX ). They also said, that when that event happen, the bank will locate the funds. But, really, that supposed letter never was sent or received to my mailing address, and the funds requested was never transfered to my XXXX XXXX credit card account. Besides, what I requested was an electronic balance transfer, not a letter to be provided by myself to the external bank. On XX/XX/XXXX, XXXX answered another e-mail to me, that the case can not be opened or updated, and that a manager will contact me, but that also never happened. The amount of US {$3000.00} and related fees, US {$90.00} per transaction, and {$75.00} interest montly, are still charged in may XXXX XXXX Mastercard, which certainly is affecting my finances and credit report. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Brclysbankd XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 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: 11216
Submitted Via: Web
Date Sent: 2018-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Barclays Card is hitting me with 2 hard inquires for XX/XX/2018 and XX/XX/2018. I should only be hit with 1 inquire as both were done on XX/XX/2018. The confusion is it took them 2 days to process the other part. I have spoke to them on the phone back on XX/XX/2018. There customer representative said they would remove one of these hard pulls. I believe it is the one on XX/XX/XXXX. Either way they 100 % guaranteed one will be removed since both were placed on same day of XX/XX/2018. Since the company agreed to remove one of the inquiry 's, I just hope they can kindly stick to there word and fix up this confusion. I have been a loyal customer and just want what was promised to me. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2018-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-15
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: This credit card company decreased by credit limit and then hit me with a finance charge ( $ 400+ ) for a purchase sometime ago. For a credit card I rarely used, now my balance is over the limit and I will continue getting charged due to the face that they decreased my limit at the same time they hit me with the finance charge.I have never had any late payments or issues. I'm not complaining about the finance charge, I'm upset that they lowered my limit and then hit me with the charge so they could collect even more. How is that allowed?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2018-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-14
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, I stayed at a XXXX XXXX. Prior to staying at the hotel, there was a credit card authorization form completed and on file with the hotel. The hotel required me to use my card in question for incidentals. Upon check out, the hotel charged my card in the amount of XXXX us dollars. I did not notice the error until my biling statement. I notified the merchant and the credit card company, Bar Clay 's, of the error. The merchant, XXXX XXXX, has absolutely refused to fix this problem. Barclays denied the disputed charges at first and claimed, Barclays, they never received proper documentation. I resubmitted all of the documents a second time on XX/XX/XXXX at approximately XXXX P.M CT. The documents were sent via fax machine while I was serving on XXXX XXXX in the XXXX XXXX. The location was XXXX XXXX, XXXX XXXX. I have receipts proving this. Thank you for your assistance with this matter. I am doing this from my while away from my computer and can not attach documentation. I will be able to retrieve my documents later. Thank you for understanding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had not received a bill when expected for my XXXX Visa Card issued by Barclays Bank Delaware ( Barclays ) of XXXX. XXXX XXXX, XXXX, Delaware, XXXX, so I promptly sent them a written correspondence on XXXX XX/XX/XXXX. A normal response should have been the issuing of a billing statement. Instead, they sent me a XXXX XX/XX/XXXX letter with the blatant fabrication " We called you several times to discuss your concern, but were unable to reach you. '' In reality, I never received a single phone call as it would have been registered under " Recents '' upon my XXXX XXXX XXXX. Finally, quite belatedly, they sent me a XX/XX/XXXX to XX/XX/XXXX Statement with the unrealistic Payment Due Date of XX/XX/XXXX that had to be received at their payment processing center 1,842-miles away ( a 27-hour drive ) located at XXXX. XXXX XXXX, XXXX XXXX XXXX, California, XXXX, that was not in my physical custody until XX/XX/XXXX for the remittance of {$33.00}. I immediately issued personal check # XXXX for {$35.00} and mailed it the next day before the XXXX pickup time. On XXXX XX/XX/XXXX, XXXX emailed me that " We received your XXXX Visa Card account payment and applied it to your credit card XX/XX/XXXX. '' XXXX XXXX XXXX ( Barclay Bank Delaware ) Then sent me a XX/XX/XXXX letter stating " The balance on your XXXX Visa Card amount is {$140.00} as of XX/XX/XXXX. Your next payment is due on XX/XX/XXXX, with a minimum payment due of {$27.00} '' that I was not in receipt of until XX/XX/XXXX. Conseqeuntly, I deducted the {$35.00} I've already disbursed and subsequently mailed them check # XXXX for {$100.00} to XXXX XXXX XXXX, California, on XX/XX/XXXX. Today ( XX/XX/XXXX ), I received my second XXXX Visa Card Statement for the XX/XX/XXXX to XX/XX/XXXX period with a new balance of {$170.00} ( of which only {$29.00} do I owe ) with an iniquitous {$27.00} Past Due charge even though it is clearly there direct fault my payment was " late. '' Please enforce the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, Regulation Z, as Barclay Bank clearly has transgressed 226.5 ( b ) ( 2 ) ( ii ) known as the " 21-Day Rule for Delivery of Periodic Statements '' ( XXXX XXXX XXXX ). They have a flagrant disregard in assuring XXXX Americans have equal access to their services. I don't appreciate being segregated by this ableism company who has gross incompetency in ensuring timely issuance of credit card billing statements. Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A