Date Received: 2018-02-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX Without receiving a letter or phone call, my Barclays XXXX XXXX XXXX was closed. When I called to discuss the matter with customer service, they said they sent a letter on XX/XX/XXXX notifying me of the closure. The reason they gave me over the phone was that I had 6 inquiries and 2 new credit cards opened after I opened this XXXX XXXX account in XXXX. I have never been late on this cards or any other credit cards payments. I even have an overpayment credit with this XXXX XXXX. When I was invited by mail to open this card in XXXX of XXXX, I accepted and received the card shortly thereafter. Receiving an inquirie on ones credit is XXXX when opening accounts like this. So when I opened this XXXX XXXX I naturally received an inquiry as well, and also paid their annual fee of {$490.00}. Nowhere in the terms and conditions of this card does it say that, once I open this XXXX XXXX, I Los my federal right to apply for and open 2 more credit cards, which are all in excellent standing and with never a balance carryover to the following month. I am the prime candidate for a credit card of this manner. In addition, this XXXX XXXX has a credit limit of {$5000.00}, which is much smaller of a balance than any of my other cards. Since this leaves no true and legal cause for closure of my account in excellent standing, it leaves me no other option than to suspect that I was targeted and discriminated against for being of Armenian ethnicity. The XXXX who helped me was from the XXXX XXXX of XXXX, his first name is XXXX, and his Customer Service ID number that he provided is XXXX. Please help me get to the bottom of this u fair consume practice and hopefully not allow this to happen to anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/, I selected a balance transfer offer at XXXX XXXX XXXX XXXX XXXX with my preexisting Barclays Commence credit card for {$8800.00}. The terms very clearly stated the following : 0 % Annual percentage rate for 15 months 3 % Balance Transfer Fee ( {$5.00} minimum / no maximum ) This month, much to my surprise, I found an interest charge on my credit card statement associated with this {$8800.00} balance transfer. I called customer support and escalated to a supervisor and then another manager, all of which told me the offer I described was not available on my account currently, so there was nothing they could do to honor the offer I described. There is no way I would have signed up for anything other than a 0 % balance transfer offer, especially consider that I had several other of these offers from other non-Barclays banks with my preexisting credit cards. So far, I have paid the original 3 % balance transfer fee of {$260.00}, which was expected. The fees I have incurred that I should not have incurred based on the 0 % balance transfer I signed up for :XX/XX/XXXX INTEREST CHARGE {$19.00} XX/XX/ INTEREST CHARGE {$110.00} The support team at Barclays said they would have their technical support team review whether or not there was a glitch on the system, and that this would take 30 days. In the interim, I will be charged more interest fees. The support person didn't seem to think it was likely that this would be ruled in my favor, so I'm basically stuck with Barclays telling me there's nothing they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen and multiple account were opened in my name. I reached out to Barclay Bank Delaware to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: It was all to easy dealing with other competent lenders, who updated my profile and coded my profile as a cease and desist account ( with the exception of what is required by law to be mailed to the confirmed address on file ). However, XXXX XXXX refused and demanded that they would only approved a formal written request. This lender refused to accept a verbal request to have the account coded as cease and desist. If this is not corrected soon, legal action will be reviewed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclaycard blocks consumers from using third party products to access their financial data. I have a right to manage my finances as I see fit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XX/XX/XXXX, Barclaycard US website and customer Service down. Can not login or speak with anyone. XX/XX/XXXX, same issue. XX/XX/XXXX, customer Service rep answers but does not speak English or comprehend what I am asking and refuses to help me any further. Discontinued my call. I have been trying to re order new cards to use, I didnt receive new cards in the mail. Should be a simple transaction. Still can not login online, doesnt accept any of my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclaycard.us and their other brand XXXX WEBSITES NOT WORKING Both websites are DOWN repeatedly. This started several months ago. It is impossible to 1 ) see and verify your card usage 2 ) pay your bill online I have 1 ) called the company several times 2 ) been transferred to tech support 3 ) talked to them for over 45 minutes 4 ) cleared cache, cookies 5 ) rebooted computer They are unable 1 ) to resolve the issue 2 ) to provide a contact email where screenshots and complaints may be sent They can take a payment over the phone. But you can not view your account history if you can not log into your account and are signed up for paperless billing! So I went to their XXXX page for help. XXXX XXXX XXXX Here, if you look at Posts from Others, and Comments below the Barclay 's posts themselves, you can see numerous consumers stating the same thing since XXXX. And the response from Barclay 's each time is 'our website is working ' and 'call us ' You can also see that the site has been down here XXXX XXXX XXXX It would be irresponsible to use these cards if I can not verify my account activity online. This issue has been continuing over several months. It is apparent that the company has been notified numerous times. This issue needs immediate resolution. Moreover, this is very concerning because twice last year I was issued a new card and account # from Barclays ( I did not request one. ) When I called to ask why, they said it was due to a data breech on their end. But their mailing simply said " here is your new card '' and did not disclose any data breech.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97520
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX THESE ACCOUNTS IS BARCLAYS CREDIT CARD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My application # XXXX from XX/XX/2018 for XXXX Credit card administered by the Barclay Bank Delaware was denied with no clear explanation. The general reason was stated as such : " The previous CC account that you held with Barklays Bank experienced charge off, bankruptcy, severe delinquency, or other negative performance ''. I do not recall having any of the above issue with previously owned Barclay CXXXX, which I had several years ago. I believe this denial based on age discrimination, I am XXXX XXXX XXXX and just retired last XX/XX/XXXXr.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A