Date Received: 2018-06-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclays XXXX XXXX XXXX XXXX-ending in # XXXX Mailed check # XXXX for {$94.00}, from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The check was posted on XX/XX/XXXX. It was never credited to my account. I have talked to their customer service office about 7 different times. I have faxed a copy of the paid check, both front and back to 2 different numbers. The first one was to the customer service : XXXX and the second one to the comlaint department : XXXX. I have talked to managers each time to not avail. I received two different claim numbers : XXXX and XXXX. Each time I received a letter saying : We are unable to ccomplete your request at this time please contact us for additional details. I have done this each time. I was also told over the phone that nothing could be done. I have done everything they have asked me to do and nothing has been taken care of. There is a {$94.00} Provisional credit on my account, but the payment has not been credited. ***I also made a bank transfer on XX/XX/XXXX which was credited. It was from XXXX XXXX XXXX XXXX. I did this because I did not want to pay interest. This was an entirely different payment. They have tried to tell me the first payment was credited, but it was not. I received another letter on XX/XX/XXXX, saying they could not complete my request. The paid check that I mailed them has the bank account and the bank my check was deposited in. They have basically told me that there is nothing they can do. My comment to them was that they have screwed me out of {$94.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2018-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclaycard credit cards stopped sending me credit card statements for years. They sent my statements to a wrong email address that was not mine, thus violating my privacy. As a result of changing terms and conditions, I was not aware of my interest rate or the expiration of my promotional rate, and was charged almost 25 % interest for over a year without my knowledge. When asked for rectification, Barclaycard did not help me nor show any desire to help me. They have violated my right to view a monthly statement and to review any changes to my agreement with the company. If I had known of the specific amount of interest I was paying, the amount on the card, or any of the other information I'm entitled to each month, I would have paid off more or transferred the balance. Instead, this has created a financial hardship to the tune of {$1500.00} in interest that I would have saved had I received even one statement. I suspect either fraud or negligence on the part of the company, neither of which should be my responsibility.
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: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried to dispute this item from my credit file multiple times with no susses. i do not recognize this debt. and would like it removed-
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I XXXX XXXX had a Barclay credit card and I fell back in XX/XX/2016 and broke my XXXX and I was out of work for a long period of time and I am now getting SSA from the government / social security and I have a company that is taking me to court for this debt. they threaten to make me pay XXXX that I do not believe I owe and I now have court paper were they are taking me to court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I received a letter for Barclays indicating that once again ( a previous reduction letter was sent XX/XX/XXXX ) reducing my available credit. I work for a XXXX XXXX XXXX and am very familiar with the problems that Barclays are having in the USA. Based on the letter received yesterday ( and letter last year ), it is clear that the company does not want me as a client. Barclays is acting in bad faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I purchased XXXX computer in XX/XX/XXXX at XXXX store ... ... They offered me financing through Barclays credit card with 12 months at 0 % percent financing. I asked them what will happen after 12 months, they told me that they will start charge me an interest at that point. Not once they told me or explained that they will also add all unpaid interest for the first 12 months back to my account. I only found out about when my credit card was declined as it became over the limit by over {$350.00}. Barclays Credit added {$550.00} to my account in XX/XX/XXXX. I called Barclay Credit card tried to explain this situation, but they refused to hear me out and refusing to reverse this charge. This is really misleading and they took advantage of me unfairly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91362
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've filed a complaint on this creditor before about this identity theft debt and was told to reach out to the creditor and ask them to furnish me with proof that this debt belongs to me, I have sent the creditor barclays bank certified letter request that they furnish me with proof that as documentation that this debt belongs to me, but barclays failed to provide me with the specific documentation requested, its a matter of fact they provided with no documentation what so ever, all they did was write a two sentence letter stating that they received my dispute an that it is accurate with no proof or documentation to back it up, according to the fair credit reporting act, if a creditor can not furnish proof that for a debt was when there's a dispute they must remove the debt off the consumer credit report..
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: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Received XXXX XXXX inflight offer as I was deplaning from a flight. Applied for card on XX/XX/XXXX : terms on application stated XXXX bonus miles after spending {$1000.00}. Paper application asked for " ID number ''. Called number on application and rep offered to complete the application by phone. Approved for card. There is nothing in the welcome package that even mentions bonus miles of any kind. Called the rep the day I received the card and was assured that bonus miles offer was valid. Fullfilled terms to earn bonus miles, later received email that I was running out of time to take advantage of bonus. Called customer service and was told terms were XXXX bonus miles if I spend {$2000.00}. I was not advised in writing or verbally at time I applied for card over the phone that terms were different than what I had on my application. New terms are not noted on approval letter received with card or the terms sheet. Customer service had me send a copy of the application by email to XXXX on XX/XX/XXXX. Letter dated XX/XX/XXXX " unable to complete request '' " call number on back of card ''. Called rep, she didn't know anything. Took my info, promised call back. No call. Follow up email to XXXX on XX/XX/XXXX. No response. XX/XX/XXXX called customer service number : told case was closed out. I received no notice by phone, email or postal mail that they had closed my claim. Asked for manager. Manager says can not help, spend more money on card to meet new terms which I still do not have in writing. Now, for the first time I'm told I should have filled out the application on the plane before I left! Manager told me they would mail the terms within 30 days ( at which point the " updated terms '' would have expired, ie no bonus miles ). He would also open investigation to find out why I was not informed of change of terms. I also requested, since they record their calls, that I hear the original call when I applied. If I misunderstood the terms by phone fine I will give up and leave them alone. Otherwise I feel I was misled and as a customer service show of good faith they should credit the bonus miles per the terms on the application.
Company Response:
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: On XX/XX/2018 they contacted my former employer where I have not worked in over a year and they keep calling them even after they tell them I no longer work there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: called XXXX extra points barkleys card in XX/XX/2015 disputed XXXX for charges on card for returned mdse lied to XXXX lawyers claimed did not receive coins but I was advised by XXXX XXXX owner received coins and would issue credit but no credit on card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A