Date Received: 2018-04-08
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/2017 a $ XXXXwas billed to my credit card account with Barclaycard XXXX. XXXX XXXX DE XXXX from a company called XXXX this transaction was 1- unauthorized 2- the credit card failed to provide me the original sales draft as they indicated in there letter to me dated XX/XX/2017 3- I did not use any service from XXXX 4- I did not authorize XXXX to charge my account 5- My credit card was stolen and I advised the credit card company to that effect and they sent me a new card but they failed to disallow the unauthorized transaction. 6- I did not singe any document authorizing this transaction 7- this transaction was a clear violation to the terms and condition between me and the credit card company. This transaction was a clear FRAUD that the credit card co. failed to STOP. 8- After I complained to them they credited my account with the disputed charge but after 2 month they charged my account with the same charges again? I am XXXX years old and totally XXXX and the credit card co. discriminating against me to my age and XXXX. please help 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: 11554
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Barclaycard on XX/XX/XXXX. I received an email stating that I would be contacted with 10 days about the status of my application. By XX/XX/XXXX I had not been contacted so I looked it up myself and found that I was denied. As I make enough income and have credit in the upper 700s, I was very confused as to why I was denied. The notification stated that I was sent a letter explaining my denial, which I never received. I tried contacting several numbers and each one either required a credit card number to continue, or the representative told me they could not help me. I was finally given a number to call that should work, so I tried that. The first day I was on hold for 3 hours before I had to take a work call. The next day I was on hold for 2 hours before I had to take a work call. As someone who works in the lending business, I know that Barclays needs to provide me with an Adverse Action Notice which I did not receive. There is also no way to contact Barclays unless you are already a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, My identity was stolen and I've been trying to fix it by talking to the company and credit bureaus with no assistance. XXXX is fraud, and so is the XXXX XXXX account. If someone could please help remove these fraudulent item from my account that'd be greatly appreciated. This has brought my life to shambles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I have already tried to deal with this through XXXX, but they were zero percent helpful. There is no accountability in their dispute department, in fact you can't even speak with a human being, only write them letters. Here is what happened regarding my XXXX XXXX XXXX XXXX : On XX/XX/XXXX I got a notice from XXXX that I had missed my payment. It was due the day before, on XX/XX/XXXX. I immediately called them to make a payment, and also set my account up for auto pay so this would not happen again ( I have never missed a payment on ANY of my cards, EVER ). The gentleman I spoke to was nice in that he agreed to waive my late fee. He also guaranteed me that since it was only 1 day late it would not affect my credit score/report. He processed a total of {$32.00} which covered the missed payment as well as the current balance. He CONFIRMED WITH ME that the payment had gone through and that we were all set, so we hung up. His employee ID is XXXX. When I received my next statement from them ( see attached billing statement XX/XX/XXXX through XX/XX/XXXX ) it confirmed that I had indeed paid the {$32.00}. Please refer to the section that says 'minimum payment due : {$0.00} '. Also 'statement balance : {$0.00} ' And on the reverse side 'Payment received : {$32.00} '. This of course says that my account is in good standing. Right? The following statement ( attached statement XX/XX/XXXX through XX/XX/XXXX ) was higher than the typical amount I pay, so again I called them this time to ask about the transaction description on the back that is titled 'unable to locate account '. This was on XX/XX/XXXX. I spoke to a woman who was very nice, but didn't seem to have a good grasp of her job or what was going on with my statement. She was unable to explain to me what 'unable to locate account ' meant. I explained to her that I had called in last month and they had waived a late fee for me, and I asked her if that was the late fee still on my account. She said that was probably it but it should get resolved with my next billing cycle. I was now on autopay so I didn't give it another thought. Her employee ID is XXXX. There are transcripts of both of these phone calls. Flash forward to XX/XX/XXXX, when I glance at my credit score and see it has dropped by nearly 60 points! I naturally thought someone had stolen my identity, so I requested my free annual credit report. That is when I discovered that XXXX had reported a 30 day past due to the 3 credit bureaus. I called them directly which is when I started collecting all this information, but they said they were unable to help me. I had to submit everything in writing to their dispute department ( which has no phone number ). So I did that, as well as disputing it with the 3 credit bureaus. All to no avail. 3 days ago I got the return letter from XXXX saying they see nothing wrong, sorry, have a good life. It is criminal that they be allowed to perform their own investigations with no oversight, ignore factual evidence that PROVES beyond a shadow of a doubt that they are wrong, and issue judgement in a matter that can negatively affect someones livelihood.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We disputed this charge with our credit card company ( Barclay ) to XXXX XXXX XXXX. We signed up for this service while on vacation and after returning and investigating the company we found that it was Fraudulent inducement and under the direction of our attorney were told to not make any payments, dispute the charge, and cancel the card. We have received absolutely NO goods or services from this company. None. We disputed the charge but Barclay denied our dispute despite the fact that we have no goods or services received. Now it is showing up on our credit report and we have always had scores of XXXX and above until this hit our credit. We have never been late on a payment of any kind for any loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2018-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-05
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: XX/XX/XXXX I was a victim of a hard pull on my credit by a company called Barclays Bank which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. XXXX XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. XX/XX/XXXX I was a victim of another hard pull from XXXX XXXX. In which case I do not recall giving any permission for them to run my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 319XX
Submitted Via: Web
Date Sent: 2018-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/XXXX I requested a new Credit Card " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in XX/XX/XXXX. One of the benefits I valued was Trip Cancellation/Interruption insurance up to $ XXXX.per event, {$10000.00} per year. In addition, all purchases accumulated XXXX points for every dollar spent. ( XXXX ) I have used the card extensively, payments were automatically deducted from my bank account ( auto-pay ) and my credit score has been around 800. On XX/XX/XXXX, I contacted the bank and, given my good standing, asked for a waiver of the {$89.00} annual fee. The gentleman instead offered a NO FEE card, especially since almost all my charges were for travel and dining expenses. He stated explicitly that this card would fit since the only difference from the previous card was that, " XXXX points would be given for Travel and Dining expenses '' en " XXXX point for all other expenses. ALL OTHER BENEFITS WILL REMAIN THE SAME ''. I heard him say that more than once. We agreed to proceed. I could continue to use my other card until the new card arrived and was activated. On XX/XX/XXXX, I received the new card in the mail. ( XXXX ). The name was changed to " Arrival ''. The card had a sticker asking to " Activate your card now at .... '' I did not activate the card but first verified the insert and benefits. THE BENEFITS WERE DIFFERENT. The travel protection was reduced to {$1500.00}! I contacted the bank immediately and today informed me and they have already switched me to the new card program and are unwilling to allow me to go back to my prior card and benefits. They claim that procedure was followed. I vehemently contest that statement. Is it proper procedure to misrepresent the benefits? Here are the reasons for my complaint : : 1. The agent did NOT disclose that the benefits for travel insurance would be reduced. To the contrary, he said that all benefits would remain the same. 2. When the card arrived, it had to be activated to become valid, which I did not do. 3. It was my understanding that the new card would become active AFTER I had activated it and that at that point the previous card could be destroyed. He did not say that I would be switched IMMEDIATELY that day of XX/XX/XXXX to the new account. Moreover, how can anyone agree to misrepresented verbal information which turns out to be materially different from the written information received in th mail. How could, it be that a consumer has no recourse after seeing information that was different than what was promised? One has usually a few days to decide AFTER the pertinent information has been provided. This is the second time in a year that I have to file a complaint for misrepresentation of facts by Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
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: Subject : Complaint about Barclays Bank ( Barclaycard ), Delaware On XX/XX/XXXX, I bought educational programs from Company called XXXX XXXX. I spend almost {$50000.00} for this. Using the credit cards that they pushed me to open in order to fund them. These credit cards of XXXX bank, XXXX XXXX XXXX, XXXX and XXXX were for the same purpose of paying the above mentioned company ( XXXX XXXX ). With this purchase I was supposed to receive 16 sessions of " one-on-one '' marketing training over the XXXX in order to be able to market back their product and get commissions. However, instead of getting the promised training, the assigned coach asked me for additional $ XXXX - $ XXXX, and didn't train me the way they had promised to do so. As a result, I received ZERO training. I feel very much tricked and cheated, so I called the credit card banks to file for dispute.Out of all these banks, XXXX XXXX resolved my problem within the first 10 days and returned the full credit to my account which I do appreciate a lot.But today, XXXX XXXX Which I filed for complaint on XX/XX/2018 and provided them with all sorts of documents and contracts said they can not help me because in the contract between me and XXXX XXXX it says it's nonrefundable. They refuse to see my point to even refer to the contract in full. If they take time to review the contract, they should also see that XXXX XXXX, were supposed to provide me with a service which they obviously didn't. Therefore, it was them that breached the contract in the first place. What is the point of having Barclays bank credit cards ( Barclaycard )? To make sure you get ignored when you don't receive the services you are promised by the vendor? Just because they don't want to spend enough time on correct and complete investigation of everyone 's cases, you should get screwed? Or is it because they don't want to give up on the commission they make from a dishonest organization, they refuse honest hard working people of their promised benefits / rights? Which one is it? I would like to know!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I chose to use XXXX miles for an approximate {$100.00} travel credit as part of the Barclay Rewards program. I clicked the {$100.00} XXXX XXXX credit item then cancelled the transaction discovering that it would make more sense to use the {$550.00} credit item from the XXXX XXXX which expires on XX/XX/XXXX. The payment was canceled but I lost the XXXX miles leaving me with only enough miles to apply an {$89.00} annual fee credit item. I immediately called Barclay at XXXX to request my points be returned which they refused. I escalated the issue to the Office of the President for consideration. The Barclay service manager said I could fax or send a letter to the Office of the President, Attn : XXXX XXXX - President, XXXX XXXX, XXXX, DE XXXX. Barclay offered no electronic option to file a complaint. Meantime, I have posted a payment in full for my account balance due XX/XX/XXXX. The service reps at Barclay were professional but it was clear they lacked any authority to resolve this simple issue of returning my XXXX reward points forcing me to mail a letter to the president.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55116
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I realized on XX/XX/XXXX that I overpaid my XXXX XXXX ( XXXX ) by {$920.00} due to making a payment and having one scheduled. My account was at a XXXX balance ; therefore, I have a {$920.00} credit. I called on XX/XX/XXXX to request this be deposited back in to my bank account. The rep said general practice is to send a check that I would get in 7-10 business days. I demanded the money be deposited back in to my account. She said it would take the same amount of time and I said that was fine. On XX/XX/XXXX I called to get status ; I was told it was still in process and to give it a few more days. I called a couple more times, but do not have those dates. Yesterday ( XXXX ) I called again and demanded to speak to a supervisor because I still did not get my money back. On another date I demanded to speak to a supervisor and got transferred to another CSR who admitted she was not a supervisor. The supervisor I spoke with yesterday said she would get this escalated and that when I called on XX/XX/XXXX the CSR did not do anything to get the process started. When I called on XX/XX/XXXX no one mentioned that. When I would call to get status I was always just told to give it a little more time. The supervisor I spoke with yesterday said she would call me back that day. I have yet to get a call back and still have not gotten my {$920.00} credit. I'm a single mother who needs this to pay my mortgage. I'm beginning to think I will never get it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A