Date Received: 2018-06-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2018 I closed the credit card ending in XXXX, at this time I payed all the outstanding balance on the card. Unfortunately this company had the wrong amount ; they stated that owed more than I originally charge in the card. When I complained about this issue ( The wrong amount ) Barclays stated that they were correct and I had to pay the full amount. They keep charging my bank account and they are stating that I owe them money with any proof of it. When I close the account back in XX/XX/XXXX my balance was XXXX. But they still keep charging my bank account without my authorization, they stated that I owe {$370.00}, but I am not responsible for that amount. I called them many times and they ignored my petition of showing me a sales draft with my signature, but they declined. They dont have proof that I owe them that much. Also they are charging my account fraudulently. Please help me to stop this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The company issued me a credit card in XX/XX/XXXX/XX/XX/XXXX and regardless of the fact that I never made any late payments or missed a payment, never went over my credit limit, and continually carried a balance, they decided in XX/XX/XXXX to close my account. They never advised me of this fact and the only way I realized my account had been closed by them was to try to use my card and have it declined at which point I contact them and they advised they just decided to close my account. Couldn't provide a reason and refused to re-open the account. Interestingly enough, I have a cash reward balance on my account of {$39.00}. Redemption of cash rewards is done in {$50.00} increments, so basically they closed my account just shy of me earning a cash reward of {$50.00}, which I could redeem to my account balance. When I originally called to inquire why my card was declined, and inquired about the cash reward balance that was just shy of a redeemable amount, I was advised I could be transferred to someone who could help get whatever my current balance was credited to my account, but I was already late for work and said I would have to call back to handle that. I called back today and two different associates ( one supposedly a manager ) pretty much laughed and me and told me too bad, I would never be able to redeem the cash rewards until they equaled {$50.00} and since they closed my account it would never happen and too bad I can write a letter if I don't like it. Yet, they still expect me to make my monthly payment after they didn't have the decency to send me a letter that they would close my account or anything. These are reprehensible business practices -- - preying on consumers and closing their accounts just in time to stop them from earning or using additional rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Problem with customer service
Subissue:
Consumer Complaint: XXXX XXXX and XXXX XXXX XXXX credit card partner Barclays cancelled a transaction from my account for no reason with no proper information and warning. This resulted in my flighty reservation cancellation and are asking XXXX extra to honor the same itinerary. XXXX XXXX and Barclays, both have records of the transaction. This appears to me a scam from both companies to get around clients, avoid honoring benefits that come from using an XXXX issued credit card such as bonus miles, bag fee waves and preferred boarding. All items that they falsely advertise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: My husband XXXX XXXX passed away on XX/XX/XXXX. He used a Barclay credit card to pay his monthy fees to XXXX XXXX XXXX. On XX/XX/XXXX Barclay closed his account and sent his payments due to a collection agency. On XX/XX/XXXX I allowed a check of {$700.00} to a collection agency named XXXX XXXX XXXX XXXX XXXX to make a payment to Barclay Card to pay XXXX XXXX XXXX for fees due for XX/XX/XXXX and XX/XX/XXXX. As of this date, XXXX claims they never received any payment from Barclay for {$700.00}. When I spoke to Barclay they would give me no information but to say the account was closed with a XXXX balance and if I had a problem then I would have to call XXXX XXXX XXXX. When I spoke to XXXX XXXX XXXX they said they sent the money to Barclay. This has been going on since XX/XX/XXXX and at this time I can not book any time with XXXX and I can't OPT.. out of the program called Ovation until this bill is paid. PLEASE HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiries tHat should be off the report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: BARCLAYS VIOLATION OF FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND OR FAIR DEBT COLLECTION PRACTICES SECTION 807 ( 8 ). On XX/XX/XXXX Barclays signed a " notice to dispute '' and on XX/XX/XXXX I pulled my credit report and they FAILED to mark my account " DISPUTED '' which is REQUIRED BY LAW.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have called and mailed in documents to Barclay over the past few months. I have paid over {$4000.00} in payments. They think I am not me and have frozen my card but will not close it. I sent them property tax bill where i live on their records, my phone bill with number thats on my account, my bank statements with account i pay them from, my passport, my drivers licenses, my social security card, and my birth certificate. Yet they still say the account might not be me and they cant close it until i proove to them im me. They have no problems letting me log in and pay them every month out if my bank account but they think its not me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72601
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Two related complaints : My card was 1 ) improperly declined, I believe, because of a problem in the bank 's system dealing with payments that wasn't adequately disclosed. The bank 's website also displayed incorrect information to me. What happened : - I set up auto-pay - Unbeknownst to me autopay needs a full billing cycle to work, so after setting it up, the next payment won't be made. - This wasn't adequately disclosed. In fact, the dashboard on the website told me autopay was set up next to the statement balance so I didn't worry about it. - The payment reminder email didn't say anything about this autopay delay - The due date past and I was charged a late fee ( {$27.00} ) - I called Barclaycard and set up a payment over the phone and they waived my late fee - A few days later, on XX/XX/XXXX I received an email that my payment was received. - On XX/XX/XXXX my card was declined, even though I paid on time for a normal transaction under {$15.00} at a cafe. I think they declined it because their system thought I hadn't paid. It was embarrassing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My I.D and social security number were stolen 2 months ago and XXXX XXXX is letting me know that i have 3 hard inquiries that i did not give permission to in the past 3 weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90262
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, I was reaching out because I had an issue with a debt I had. I got into a situation where I had too much debt and douldnt pay everything. I starting working with a consolidation company, My issue is with one of my creditors XXXX the consolidation company actually negotiated a settlement amount that was to be made in 3 consecutive payments and the account would be settled. The first 2 payments XXXX accepted and they went through, the third payment they rejected. This defaulted the settlement with them, because of this issue I stopped working with the consolidation company. Since then XXXX has sold my debt to a third party collection agency and now refuses to speak with me regarding the matter even when I tell them I am disputing. I am trying to see if there is any help for me out there. This does not seem like it would be ok to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95824
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A