Date Received: 2018-05-25
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: I contacted my credit card company on XX/XX/XXXX about a purchase I made on XX/XX/XXXX. I purchased three products from a kiosk, owned by XXXX XXXX, at a shopping mall in XXXX, TN. The products were demonstrated by applying them to my face and after the sales person reduced the price three times I finally purchased the products for {$380.00}, good for today only. After the purchase the sales rep said she would email me the instructions on how to use their product. When I returned home the next day I opened my products and read the instructions the sales rep. XXXX had emailed me. The first this I noticed was the instructions on the product box were different from the instructions from the sales rep. Her instructions said to use " once a week '' the box said " Daily application ''. There are other discrepancies like the sales rep saying the product contained collagen, but its not listed in the ingredients. I decided to go ahead an try the product I had because it had worked well at removing the bags under my eyes. The sales rep told me to apply before bedtime which I did. As soon as I applied the product I could tell it was not like the product she had applied to my eyes at the mall. I left the product on my eyes overnight and when I got up the next morning the skin around my eyes was irritated, red and wrinkled. This product is horrible and it was obvious the product was very different than what the sales rep said she was selling me. When I looked at the sales receipt I noticed on the bottom it stated " No Refund. Exchange only within 14 days with unopened product '' I contacted my credit card company explaining what had happened along with all the documentation and after several weeks I received a letter stating they would not issue a refund because I made an in person purchase. This made no sense because you can still be scammed in person. I contacted XXXX XXXX and was told they have high quality products, they won't give a refund. I feel the credit card company, Barclay, made no effort to resolve my issue even though this company pulled a bait and switch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38464
Submitted Via: Web
Date Sent: 2018-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I lost my XXXX credit card. I called in to dispute for all the transactions that I didn't authorized but XXXX still make me to pay for those transactions. Please help me to resolve these issues. XXXX team refused to resolve these issues and requested me to pay : 1. XXXX XXXX : XX/XX/XXXX= {$430.00}. XXXX 2. XXXX : XX/XX/XXXXXXXX {$18.00} 3. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 4. XXXX : XX/XX/XXXXXXXX {$150.00} 5. Half & Half : XX/XX/XXXXXXXX {$6.00} 6. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 7. XXXX : XX/XX/XXXXXXXX {$15.00} + {$12.00} + $ XXXX {$36.00} 8. XXXX : XX/XX/XXXXXXXX {$280.00} 9. XXXX XXXX XXXX XX/XX/XXXXXXXX {$59.00} 10. XXXX XXXX XX/XX/XXXXXXXX {$54.00} 11. XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX {$210.00} 12. XXXX 's XXXX XX/XX/XXXXXXXX {$14.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX XXXX issues a credit card in collaboration with XXXX that claims no interest on purchases of XXXX products. I have previously used the card successfully. Recently purchased an XXXX computer and paid balance on time in 3 installments. XXXX XXXX charged interest nonetheless. I objected but they insisted that original payment terms did not apply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I WAS CHARGED FOR SEVERAL TRANSACTIONS ON MY XXXX XXXX XXXX XXXX XXXX ON SEVERAL DIFFERENT DATES.. I REPORTED THESE TRANSACTIONS TO THE CREDIT CARD COMPANY WHEN CHARGES APPLIED TO MY STATEMENTS. I WILL LIST ALL TRANSACTIONS ;XX/XX/XXXX TIMESHARE XXXX-XXXX XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXXTIMESHARE BY OWNER-XXXX HAVE NEVER DONE BUSINESS WITH THESE COMPANIES AND I TOLD THE CREDIT CARD COMPANY THAT.. I HAVE BEEN DEALING WITH MY SICK HUSBAND AND TOLD THEM THAT ALSO, BUT THEY DID NOT CARD ABOUT ANYTHING.. THE CREDIT CARD COMPANY KEPT TELLING ME I DID MAKE THESE CHARGES AND THEY STATED I DID TELL THEM I MADE THESE TRANSACTIONS WHEN IN FACT I NEVER EVER TOLD THEM SUCH A THING.. I WOULD LIKE TO RECIEVE MY CREDIT BACK FOR ALL THESE CHARGES. THIS IS FRAUD AND I WANT MY MONEY BACK.. I LIVE ON A FIXED INCOME AND NOW DEALING WITH MY SICK HUSBAND I REALLY NEED MY MONEY BACK.. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2018 BARCLAYS BANK DELAWARE located at XXXX XXXX XXXX XXXX, DE XXXX ran an unauthorized credit report on me. I had given no written or verbal authorization to run this report, nor had I applied for any credit card or any other type of credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called Barclay card on XX/XX/2018 and asked if they would honor me a credit line increase. Specifically asked, about their process. I have not been told that they are going to pull two hard inquiries. They pulled one on my XXXX and one on my XXXX. I called to dispute this issue and they said they do not have a dispute department. Please help me to get this two inquiries off my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XX/XX/XXXX statement from Barclaycard Visa had a balance of {$770.00}. The full payment to pay off the account was mailed in before the due date however the payment didn't post until two days after the due date. I flew to XXXX XXXX on XX/XX/XXXX and was out of the country for 2 weeks and my put the payment in the mail then. On my XX/XX/XXXX statement it shows i was billed a late fee of {$27.00} and a finance charge of {$11.00}. I called in to request the fees to be removed and was told it would be. then on my XX/XX/XXXX statement, I was charged a {$37.00} late fee and interest totaling {$1.00}. I mailed my payment of {$200.00} for a purchase and wrote a note telling barclays they can either remove all the fees or close the account. They sent back a response saying they are unable to complete my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX a company charged {$44.00} on a Barclays credit card I had not used for a few months. XXXX must have changed me to paperless because I never received a statement. In XX/XX/XXXX, I saw a drop on my credit report because of late fee and interest charges. I talked to Barclays and they did waive all the late fees and payment charge fees. However, they said it was too late for them to tell the credit agencies and I would have to dispute the charges myself. This policy is crazy, because I have to dispute the charges myself and then it takes 30 days to investigate the charges. During this time my credit score has dropped over 100 points because Barclays wouldn't contact the credit agencies directly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclays Bank closed my credit card account with no prior notice. I believe Barclays is deceptive with their business practices in promoting a credit card with rewards and then shutting down my account with no prior notice and not allowing me to redeem my rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2018-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I pulled my credit due to a recent fraud situation and found several credit inquiries that I did not authorize. I wrote letters to the companies and did not ever get a response back. These are not my inquiries and they need to be removed from my credit report. It is negatively impacting my ability to get credit and I will seek legal action if it is not resolved immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99515
Submitted Via: Web
Date Sent: 2018-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A