Date Received: 2018-03-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In XX/XX/XXXX I saw fraudulent charges on my XXXX card, I reported it and requested refunds of over payments take from my auto pay checking account, after one month I heard nothing back from them so I had to call them back and they did not even started the claim, I had to go over the whole phone process again with them in XX/XX/XXXX, in XX/XX/XXXX they said the fixed the problem and the - XXXX credit will be returned to me. up to now XX/XX/2018 they have not returned the credit to me. I have sent the request by mail I have called them and they do not respond
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was on a flight back from XXXX. They were advertising the XXXX XXXX credit card on the flight. Saying to sign up and received enough bonus points for another trip. They told me each leg of the trip was XXXX miles and the card would give me a bonus of XXXX miles- enough for my wife and I to return. I signed up for the card, paid the {$95.00} and received the bonus miles. In attempt to redeem them- I find that XXXX miles for each leg is not a reasonable flight. XXXX miles gets you a flight to another city where you have to stay overnight, then fly out the next day to final destination. If I want a reasonable flight then I was told the cost would be a total of XXXX miles plus {$170.00} in tax. The option to purchase the additional XXXX miles was {$2500.00} + {$190.00} in tax + {$30.00} processing charge. This is misleading and overcharging. To book these same flights on a cash basis ( using no miles ) costs less that {$1000.00} for two people to travel. This company has misled me, forced me to pay a {$95.00} annual fee, and pulled my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2018-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I called Barclays XXXX today regarding my multiple disputes on a inaccurate account that was due to fraud reporting on my credit being updated as accurate by Barclays. I have requested validation a copy of a signature or address these bills are being sent to I was told by the rep they couldn't help me they refused me any information even a account number, but they are reporting this on my credit as accurate? I asked them to delete this or provide me with the info requested. I was sent to 2 supervisors XXXX who couldn't help me, then XXXX who also refused to verify any information with me. but gave me a number to a collection agency. I am requesting this account removed from my credit immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was contacted via a phone call on XX/XX/XXXX from a unidentified number. A gentleman stating his name as " XXXX XXXX '' informed me that I was to call XXXX and reference a file number. I called the XXXX number at approx. XXXX CST and the call was answered by a woman who did not identify herself. I explained the call received and she said she didn't recognize that name and put me on hold. Upon returning to the call, she said that this was an attempt to initiate legal correspondence regarding an XXXX XXXX purchase on a Barclay 's XXXX. The date the account was opened was in XX/XX/XXXX. Apparently payments were made until XX/XX/XXXXand then it was sent to collections in XX/XX/XXXX, and then sold off in XX/XX/XXXX. I asked who she represented, and she said she worked for XXXX XXXX XXXX in XXXX XXXX. I had no knowledge of this card, this debt, nor an XXXX product purchased in XX/XX/XXXX. She essentially told me that the debt-holder was NDA, had a non-disclosure agreement and couldn't be identified. I asked about the statute of limitations and she told me the debt had been revived in a phone call in which I had verbally acknowledged the debt. This woman, who still had yet to identify herself, went on to tell me that I was going to be served at my home and then since the NDA suing me had paid for a process server, I would have to go to court for the full amount. She could not tell me the initial purchase amount, but when it went to collections in XX/XX/XXXX, the balance was {$1600.00} and the amount I will be sued for is $ {$5100.00}. Of course she proceeded to use scare tactics when I inquired on how to dispute the debt, since I have absolutely no knowledge of it, and she told me that a judge would probably question why I hadn't filed a fraud claim within 3 years of the account/purchase, and he would rule against me. Of course, I could agree to a settlement right there and then, or within 48 hours. When I asked how I would do that considering I had no documentation in writing of any of this, she said I could call her back. Her name is XXXX and she is at extension XXXX. She also said she would email me the offer of settlement. I did not receive that. She also told me if I didn't accept the offer, I would have to go to court, pay the full amount, and have a mark or judgement on my credit for 10 years. I called back the next day and got more information from XXXX XXXX, a Manager in the XXXX XXXX. at XXXX XXXX XXXX, and he gave me more information. He told me the statute ends on the XXXX of this month, and also that there was no record of the " verbal admission '' that apparently revived the debt. I would have to file for a " XXXX XXXX '' in court if I was to get that information. If I wanted to " hear or see anything. '' XXXX also told me that the statute of limitations applied to where I live now ( Texas ) versus where the debt was from originally ( California ). He sent me the offer letter via email, which I took screen shots of. Apparently the company that is suing me has to send me correspondence with in 30 days of collection and I again stated that I hadn't received anything, had no knowledge of this debt or account, and to my knowledge, hadn't been contacted by anyone before yesterday. I got the address of XXXX XXXX XXXX in XXXX XXXX and basically left me with little else, except to say that his company had investigated this claim and found no reason for the claim to be dismissed ( ie., that they have the go-ahead to sue me ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
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: This is the condensed version of my complaint. Please contact for further details : I had an account with Barclaycard up until now. I've had two charges in dispute, charges made by XXXX XXXX, about an incident that happened between XX/XX/XXXX XXXX. The incident in question was that on my way from XXXX to XXXX I had a carry-on bag that was forced into checked baggage. After an hour delay with the flight I only had minutes to catch my first international flight out of the country. I could not claim my bag despite the fact that I was forced to check the bag. That bag had my prescription medication. I could not afford to pay out of pocket nor was I near anywhere that would be able to replenish my missing medication, which would have been at least {$2000.00}. Instead, I had to spend money on long-distance phone calls to XXXX negotiating the terms at which my bag would be released to me. This was during a time that was supposed to be a relaxing holiday vacation with family and friends. Instead, I had to suffer the withdrawal symptoms throughout that time. I eventually received my bag back on XX/XX/XXXX, XXXX day after my arrival to the XXXX by a friend who had been gracious enough to retrieve it for me before XXXX had shipped it to their warehouse. On XXXX, I contacted XXXX telling them of what happened. They only stated that I was on these flights with no recollection of them holding my bag hostage for two weeks. The representative had told me that there wasn't any record of me calling about my bag. They ignored my subsequent phone calls. I called Barclaycard, whose card I used to make these purchases. I filed a dispute and sent a letter to them in excruciating detail about what happened. I called two days after sending it to see if they received my letter ; they confirmed they did and will be contacting me within the week. About a month goes later and I do not hear from them. I called Barclaycard to ask what the status of the disputes were. They said they had sent letters around XX/XX/XXXX stating that the dispute was closed. I did not received these letters. The billing dispute representative had stated that XXXX had completed their contract, which involved them flying me back and forth from my destinations. I can not understand where in that contract gives XXXX the right to my belongings. I also could not fathom why Barclaycard would be flippant about this. I asked to have them reopen the disputes but they said I had to open up new cases. I attempted to do that by faxing my " XXXX '' letter again as directed. Did not hear a response. On XX/XX/XXXX, I called Barclaycard to close my account. I spoke to a customer representative whose name I do not recall but I do remember the names of those I was transferred to in order : first account specialist, billing dispute representative, second account specialist ( who ultimately completed my request ). I can not believe after months of fighting this that no one on either end would be sympathetic to what had happened. At this point, I've closed my account with Barclaycard. I refuse to give these companies the satisfaction of my business or my wallet as long as I draw breath. I am pursuing other remedies at this point. I will also be attaching the letter I sent Barclaycard regarding the detail in what had happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Since I was all the time getting offers from Barclay`s bank I have applied for Barclay`s AAdvantage Aviator Business card.I have a personal XXXX XXXX credit card with them with a limit of XXXX, but I don`t want to use my personal credit card for the business. I have a excellent credit history.There is nothing negative in my application.i`m in a field where we are saving someone`s life everyday.We are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i`m the XXXX of the company.and there lots of daily expenses and licensing expenses we have during our operation where I don`t want to use my personal credit card.And since Barclay`, my credit card company were sending me offers everyday to apply for a business card, I decided to get it.After submitting every document they called me on XX/XX/.After putting several hard inquiries on my credit report which is over 780 fico score, they told me you know what we don`t wan na give you business credit card because you already have XXXX XXXX XXXX XXXX with us.I kindly explained them that advising someone to use his personal credit card for business is not a right thing.And I also explained them that by putting several inquiries on my credit and without reason declining, you are not only damaging my credit score, but ruining my chances to get a business card from different bank. I also told them that under the fair credit reporting act creditor can not taken an adverse action against consumer based on discrimination what I felt happen to me.I really felt that Barclay`s Bank treated me as their customer very unfairly without giving me the right reasoning.If their employees continue treating their own customers like this they will lose lots of customers, and I`m going to be one of them.If I don`t get this problem solved I`m going to cutt all my relationships with that bank. Everyone in this country are equal.We are all paying taxes.No one, it doesn`t matter its a bank or individual can treat anybody unfairly in this country.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I asked Barclay card representative to fix issues with this card included interest charges for checks I never had any checks and never withdrew any cash from this card. bank failed to respond or to preform any actions to fix an issue, instead they charging me {$37.00} overdraft fee every month which is outrageous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65616
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
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: My complaint is with my credit card company XXXX XXXX thru XXXX XXXX that continued to pay monthly charges for products that was returned and cancelled with the fraudulent company by letter of cancellation on XX/XX/XXXX. I had tried numerous times to contact the company by phone but was unable to ever talk to anyone so the only resort I had was a written cancellation. I have talked several times with the credit card company and they would put the items in dispute but would deny the dispute because I did not cancel by phone. Each time interest and service charges and other charges were added to the account. I have talked numerous times to the credit card and each time to no avail as any help or resolution on this matter. I called them yesterday XX/XX/XXXX to try to come to a compromise and was informed that this account has been turned over to a collection agency. I have had excellent credit and do not want this score lowered because of this issue. I can Mail all copies pertaining to this issue if they are needed. Just let me know. My scanner is not working at present time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 424XX
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I HAVE BEEN XXXX WEEK OR TWO CELEBRATING WITH MY PARENTS AND SISTERS ON XXXX FOR YEARS. I HAD A XXXX AIRLINES MILEAGE ACCOUNT FOR A FEW YEARS. THEN ON ONE FLIGHT I WAS OFFERED MANY MILES TO OPEN A XXXX XXXX ELITE CARD, SO I DID BEFORE LANDING. UNFORTUNATELY, THE TWO XXXX AIRLINES MILEAGE ACCOUNTS ARE IN 2 VERSIONS OF MY NAME AND NEITHER XXXX AIRLINES NOR BARCLAYS BANK WILL FIX IT. PLUS THEY SAY MY ACCOUNT IS " INCOMPLETE '' WITH 2 MILEAGE ACCOUNTS AND THUS I AM UNABLE TO USE ANY OF THE ACCUMULATED MILES! I HAVE TRIED FOR 3 YEARS TO GET THESE XXXX XXXX MILEAGE ACCOUNTS, ONE WITH BARCLAYS BANK, MERGED WITH ZERO SUCCESS, THO I HAVE DONE EVERYTHING THEY TOLD ME TO DO FROM FAX AN OFFICE NOT RECEIVING FAXES, TO EMAIL AN OFFICE NOT ANSWERING EMAILS TO CALLING VARIOUS PEOPLE WHO CAN NOT FIX THIS SIMPLE PROBLEM. THIS LAST XXXX WEEK ON XXXX AT XXXX XXXX ( THEY HAVE A GREAT WEBCAM IF YOU NEED A CHEER ) XXXX XXXX XXXX, I TRIED FOR A COUPLE HOURS FOR 2 DAYS AND GOT THE RUN AROUND, EVEN INVOLVING THE RESORT DESK CLERK FOR AN HOUR ON SENDING FAXES THAT WOULD NOT BE RECEIVED! MY BARCLAYS CREDIT CARD IS FOR " XXXX XXXX XXXX '', XXXX XXXX XXXX XXXX. AND TO TOP IT OFF, BARCLAYS ANSWERS THE NUMBER ON THE BACK OF THE XXXX AIRLINES MILEAGE CREDIT CARD AS " XXXX AIRLINES ''! OUTRIGHT XXXX. EACH XXXX I AM OFFERED AN UPGRADE TO FIRST CLASS SEATING FOR XXXX MILES, OR OVER {$400.00}. I CAN NOT USE MY MILES AND THIS LAST XXXX THE COACH TICKET WAS OVER {$1100.00}. I FEEL XXXX AND XXXX IN CAHOOTS OWE ME FIRST CLASS SEATING FOR MY NEXT ONCE A YEAR TRIP, AT XXXX MILES, WITHOUT HASSLE. THEIR MAINTAINING OF 2 ACCOUNTS IS TOTALLY THEIR FAULT AND RESPONSIBILITY AND XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A