Date Received: 2018-02-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I would like to speak with someone who can represent me. I am constantly making payments and my debt has not changed within the last year. I would like a representative to take a closer look into my account with Barclay and see what is going on. I feel cheated and mislead.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91776
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In the spring of 2016 I joined a gym called XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. In XXXX timeframe I made several attempts to contact the owner by phone and at the gym. I needed to cancel my membership due to the loss of my husband from XXXX and the fact I was moving back to Missouri. The contract said they needed a 30 day notice and I was giving them 60 days notice. I could not under any circumstances catch up with the owner by phone or at the gym. He would NEVER return my calls. So, in XX/XX/XXXX I put my gym key and a note in an envelope and left it at the gym on his desk. On XX/XX/XXXX I moved 455 miles away from XXXX XXXX XXXX to XXXX XXXX. I assumed he had cancelled my membership. The end of XX/XX/ I was charged once again on my credit card for the membership fee. I called my Credit Card company, XXXX to dispute the charges. I told Barkleycardus do NOT pay any charges to this business. My membership was cancelled and by key was returned. A few days later the owner, whom I still do not know his name, called me and proceeded to cuss me out, threaten me, and told me he was suing me. I called my attorney who said he had no grounds for anything. I told my credit card company to not pay any charges to this business and thought it was taken care of. I have since found out that even though this man knew I was 455 miles away he continued to bill my credit card company and they continued to pay him to the tune of over 500 dollars plus 9.5 % interest. Now my credit card company wants me to pay them even though this gym committed fraud and basically stole from me. I filed a complaint with the XXXX of XXXX and he started emailing me. Nasty as usual and then tells me he has suspended my account. I had to cancel my credit card so he could not make any further charges on this card. Also, when I signed up for this service his son made the remark that I wouldn't believe how many people sign up and never use the service and they just collect the money. This man is running a scam. He is a thief and he knew in XX/XX/XXXX I was in XXXX and he knew I had cancelled my membership but he continually charged my card. My problem was not going over my statement. I always had a balance so I never picked up on the XXXX bucks a month he was hitting me for. Some months he even charged me XXXX dollars. I was furious with my credit card company for paying when I told them not to and for him just bluntly committing fraud. XXXX KNEW they were suppose to stop any and all payments submitted by XXXX XXXX XXXX XXXX XXXX. However, they continued to pay his charges knowing the membership was cancelled and knowing I was living in another state.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Credit was opened with Barclays on XX/XX/XXXX and closed on XX/XX/XXXX ( by consumer ). I had decided to seek debt restructuring with Barclay 's regarding the {$6700.00} that was owed at the time. Due to immense financial hardships I was unable to to meet my monthly payment of over {$180.00} a month ( 24 % + interest ). Barclay 's wasn't willing to extend help with this matter and instead of restructuring, demanded that I pay the monthly in 3 installments however the timeline of these installments were so close to the due date that by the time I would pay the third payment it was as if I had experience no relief. I lost my business and main income stream and had XXXX income for that period of time and was forced to rely on my Barclays credit card. I inquired about renegotiating interest rates because they were so high however Barclay 's did not facilitate this even after explaining my situation. They sent an email for an offer to negotiate but in the end I didn't even qualify for the offer based on the account and was left without any further resolution in which they started to demand increased payments and possibly full repayment of loan. My only resort was to close the account, and even when I did interest still accrued and my amount owed moved from {$6700.00} to over {$7100.00}. I kept getting calls and being bombarded by Barclays about the amount owed, emails, calls, letters to my home. It went into collections and the note was telling me to contact their debt collectors law office. I called Barclays and told them I am seeking consolidation and help from a potential third party who relayed to me that I should be contacted by Barclays however I still was. I enjoyed a good relationship with Barclays in the beginning however it seemed in the end that even when I fell into extreme financial hardship, no effort was made to help me as a customer, there was just a demand for repayment and an extension of time just for the interest to accrue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX Barclay , XXXX and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had a credit card with XXXX XXXX XXXX for over 10 years with no late payments. I got this credit card when I was still working in Florida and in good health. Now I am on XXXX due to XXXX XXXX, XXXX XXXX issues and only XXXX XXXX issue. I only receive about $ 1100 monthly. XXXX XXXX XXXX was charging me 22 % interest. I talked with them twice this week about reducing my interest rate. They did reduce the interest rate ... but only to 21 %. My current balance is about {$3300.00}. The interest they are charging me is way too much for my current income. I do not want to file bankruptcy! I only want XXXX XXXX XXXX to reduce my interest rate much more than they have. This would help me pay the debt I owe to them. As it is now, I can not make ends meet. Please help me resolve my dilemma. Thank you so very much for your time and consideration ...!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/2017 XXXX XXXX points purchased XXXX XXXX XXXX XXXX XX/XX/2017 Purchase price {$4000.00} We were told the XXXX Sampler points would be applied to any new purchase because it is an investment and would be considered equity that would be credited toward the purchase of annual points. However, when we did purchase XXXX points, only XXXX of the XXXX were transferred over. We had not used any of those points we had paid for. The {$4000.00} we paid for the XXXX was not credited toward the purchase of XXXX points. The XXXX XXXX presentation lasted from XXXX XXXX till XXXX XXXX. We did not sign the contract until XXXX XXXX at night. We were rushed through the paperwork They would not give us our license back when we left for lunch. Even the manager would not give us back our license. My wife felt like she was going to pass out because she was XXXX, but they would not let us leave. Her XXXX XXXX was down. We purchased XXXX annual points at XXXX XXXX, XXXX XX/XX/2017 Purchase price {$15000.00} Amount financed {$12000.00} Sales agent XXXX XXXX XXXX, Director of Sales XXXX XXXX was the highest person there XXXX was QA They ran two Barclay cards for two joint applications. We only wanted one Barclaycard. We were told if we opened a Barclaycard we would never have to pay maintenance fees. We were also told points can be converted to dollars to pay maintenance fees because fees will go up 10 % every year and the inflation on the fees wont match our fixed income. We have learned you would have to charge {$100000.00} in a year to pay a {$1000.00} maintenance fee. We told them we dont have the money. They said if you cant pay this we will put it on a Barclaycard. Your points are now equal to a dollar value. We were told the new thing is that all your points are worth money so it doesnt matter if you cant afford it. The points will go up in value. We could not use our next stay at XXXX XXXX XXXX booked. We had to check out early. We were told once we were an owner, our room would be automatically upgraded, but the room was too small and was not upgraded. When we looked into selling points we learned there is no value. I am on XXXX, medically XXXX VA XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX On food stamps
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
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 purchased a program from a company called life solutions, I put a down payment on {$6000.00} on XX/XX/XXXX. After reviewing the program for two days I decided I wanted to return it. Contacting the company I only got voicemails from three different departments and left each a voicemail. I tried calling on numerous occasions with no reply. XXXX from the coaching program reached out to me about a live event and while I had her on the phone I told her I wanted to be removed from the program, she made a note in the system. I tried to reach life solutions again on XX/XX/XXXX and again only voicemails. I was notified by email on the XXXX that Barclay card paid them an additional {$6000.00}. The credit limit on my card is {$10000.00}, Barclay, without my permission exceeded my account limit and put the charge through. I filed a dispute with Barclay. I am still leaving messages for the accounting department and sent an email to XXXX at XXXX XXXX but know one responds, no responds from customer service either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: 0n XX/XX/ XXXX which is Barclaycard at XXXX XXXX thn at XXXX XXXX XXXX at XXXX XXXX thn at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XXXX ; XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/ XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX this happen everday just like the previous days, calling my phone harrassing me, calling up to 4 times in one day ... everyday
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclay Credit Card Company charge me a {$37.00} late fee even though they received the payment on the due date. The payment was sent by my bank through electronic banking on XX/XX/XXXX it was due on XX/XX/XXXX and the Barclay Credit Card Company representative informed me they need an extra 24 to 48 hours to process a payment and that even though it was sieved on the XX/XX/XXXX there's still a late fee because they have not had time to process it. They review the account and confirmed they had received it on due date and said they would waive and reverse the {$37.00} late fee on the next bill, due to that fact ... then I was a week later receiving this letter stating that they improperly reported it to the credit bureau and lowered my credit standing along with my credit line. I have never missed a payment with them, payment has always been made on time on the due date for several years since I've had the card. They are now charging customers late fees even if they received the payment on the same day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been experiencing the effects of identity theft since 2015 when my wallet was stolen, along with my social security card, and license, and credit cards. All my personal information essentially. I noticed on my credit report recently an account " XXXX Delaware '' It shows that XXXX is due. This is not my credit card, i have not ever applied for a Barclay Credit card, nor did i even notice this account was on my reports. To top that off, it has now shown as derogatory " Charge Off ''. I tried to call XXXX Several times, i even advised them the last 3 times i have called that there is a mistake. This is not my credit card, i have not ever applied for a credit card with their company and that this was opened fraudulently. I advised them i want this removed immediately, as i have already reported this in my FTC Report as identity theft. The rep on the phone at Barclay customer service said she would transfer me to the fraud department, that there is nothing she can do. So she transferred me and i was on hold for another 10 minutes. The fraud rep comes on the phone verifies my name, social security number. Then says please hold i need to transfer you i can not assist you with this account. I advised the rep that this is what i am calling about THIS IS NOT MY ACCOUNT. I told her i have been experiencing identity theft and have proof that this is not mine, and then proceeded to even tell her i will send them the report from the FTC. She just told me she doesn't care and that they can't assist me. She then immediately transfers me to some collection agency, which told me to call XXXX back and that they would mark the account fraudulent but there is nothing they can do. So i need further assistance getting this removed from all three credit bureaus and also remove my liability from this card since i never opened a card with barclay ever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A