Date Received: 2018-02-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied for the XXXX XXXX XXXX based on their offer of no annual fee and 0 % interest for military service members. I was approved for the card and confirmed th details of the offer at time of activation. Last year, I received notice that the offer would no longer be honored and I would be charged the annual fee of {$990.00}. I contacted the company to inquire why it was changing its terms and complain about this unfair practice, but was neither given an explanation nor offered a way to work through the change in terms. In essence, the company is forcing a previously undisclosed payment of almost {$1000.00} or pay-off of the entire balance. I am aware that other military personnel who found themselves in this position with the XXXX XXXX XXXX program have filed CFPB complaints and have been granted a fee exemption until end of XXXX XXXX XXXX. I respectfully request the same consideration as a XXXX XXXX on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2018-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a priceline rewards visa signature card which is serviced by Barclays. My rewards program says I get 2 % cashback on all purchases and when I redeem the cashback as a statement credit against travel purchases I get a 10 % redemption bonus. I have been using the card for several years and I get this bonus almost instantaneously as I redeem the cashback towards an eligible purchase. On XX/XX/XXXX I redeemed XXXX points ( {$120.00} ) against a hotel booking purchase and I was supposed to get XXXX points ( {$12.00} ) as redemption bonus as per terms of the program. I have redeemed against booking for the same hotel in the past and got the redemption bonus in the past. This time I didn't and so I called customer service within minutes of making the redemption. I spoke to operator with ID coeafr who assured me that I will get the bonus when my current statement closes - I questioned the operator as this made no sense as I used to get this bonus instantaneously in the past to which I was given no satisfactory answer and that I will get it once my statement closes. My statement closed but no luck so called again on XX/XX/XXXX and spoke to operator with ID XXXX who said I need to wait for another day for the credit to reflect. Again I asked why its not instantaneous this time and no answer. I called again on XX/XX/XXXX and spoke to operator with ID coemvm who said the same thing - wait for a few more days. This time I insisted a formal case be started as I can't keep calling back and its a drain on my time. The operator logged case number XXXX and promised me that I will get a response within 7-10 business days. Fast forward to XX/XX/XXXX, an entire month after the initial issue, no response on the case I had filed. I called customer service again. The first operator transferred me over to another operator with ID XXXX. The other operator said she can not do anything to help me with this case either and transfer me over again. Basically customer service is playing a game of passing the parcel until the customer gets fed up and gives up. I spoke to several agents and not one made an attempt to figure out what the issue is and just wanted to defer the issue to another time as that would involve another operator. I have already spent a lot of time speaking with customer service ( and waiting in line ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2018-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: OnXX/XX/XXXX my bill is due, XXXX XXXX est is the cutoff, They delayed logon until after XXXX XXXX est, after logging on, they made me enter personal information and account number. Then made me wait for a link sent by yahoo which took a few minutes. This is the only time they have forced subsequent 3 factor authentication. This seems to be a current process that card companies use when people are trying to pay close to cutoff.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2018-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell XXXX to remove the following the hard pulls as I did not authorize them. XXXX also said they would remove them. Both companies have nothing removed them and they are still on my file. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Barclays Card close my account in XX/XX/XXXX and i tried to pay it current. Barclays Card Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number. Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the Barclay Card account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved. I talked to them again today and still nothing. I talked to Barclays to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from Barclays. I have also filed a claim with XXXX to correct the account. I have reported this company before for the abusive nature and tactics they take.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01803
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an XXXX rewards card from Barclay bank. Was sent a letter indicating that I had to mail the following items to them : drivers licens Social Security card and current utility bill. This provides anyone with the all the pieces of information to steal my identity. IN addition if I don't send it they will deny my card..and already affected my credit rating due to the hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We are platinum members with XXXX XXXX with current annual points of XXXX Prior to XX/XX/XXXX we were XXXX Hawaii Collection point members and in mid- XX/XX/XXXX we purchased XXXX U.S. points. This is where our issues began with XXXX We made reservations and stayed at the XXXX XXXX XXXX XXXX in XXXX Missouri, there we met with Sales Rep : XXXX XXXX for an owners update. We had no intent to purchase more points as XXXX explained it was not a sales meeting and we did the owners update meeting to collect a XXXX gift card and move on with our day. It was during the meeting that XXXX explained how he was not a sales rep and actually a vacation counselor with XXXX and was there for us to help with our XXXX platinum membership. He went on explaining how the # 1 complaint from all XXXX owners is maintenance fees which we agreed was our biggest complaint with XXXX. This is the point in where he stated he could show us how to pay our maintenance fees by points that we would allow him to rent out. This is the breakdown of XXXX conversation to us : we would buy XXXX points which he would then take and rent out, he would then send us a check which we could use to pay our maintenance fees. He then showed us pictures on his cell phone of multiple checks that had been sent to multiple XXXX members that he was doing this for. He pulled out a stack of documents showing multiple reservations he was making and the amounts that the checks would be sent to those XXXX owners. We were very apprehensive as this sounded too good to be true and he then showed us texts back and forth of XXXX Owners that were thanking him for the recent check they had received. He stated that if we were paying our maintenance fee or our XXXX Loan that it would not count as profit. After being in his office over 4 hours and with the multiple exhibits he had showed us we agreed to the XXXX points. We went over the numbers and paid a {$14000.00} down payment and the remaining point balance went to a XXXX Loan ( $ 58,000+ ). At this point XXXX then spent time on how we would be brought to another room with cameras and how we needed to answer certain questions. He coached us that we need to answer these questions without hesitation or delay so that it would not cause questions from the XXXX XXXX employee. He then had us look into a turned off camera in the room and had us answer the questions as he continued to coach us as to our answers. It was then that my wife asked what if you dont follow through with this and its all a sales tactic lie? XXXX said, that if none of what he said came true for us ; to come to the resort and scream and shout until he was fired, to call and email corporate non-stop until everything was cancelled and we got our {$14000.00} back and any payments we made. He then talked about how his wife is XXXX XXXX and the points purchase we make will help him with medical bills that were adding up and he then showed us a picture of his wife. We asked for copies of the notes XXXX had done and also copies of the multiple documents he showed us with the reservations he was making for his other XXXX clients. He explained that he could not give us any notes, XXXX documents or copies of the reservations because it was against corporate policy. He said the only way he can make this happen for us is to sign the docs and act like we were going to use these new XXXX points for ourselves. Satisfied with his answer we agreed and when XXXX was ready, we were moved to the room with a working camera and then signed papers and answered the questions, those same questions XXXX told us to expect by the XXXX XXXX employee. We answered the questions as coached by XXXX and left with our additional XXXX points. As we walked out XXXX grabbed us and quietly told us that while we were signing documents he had already set up 2 vacations with some of our newly purchased points for {$5000.00} and {$6000.00} so our XX/XX/XXXX maintenance fee was almost already covered. He said the checks would come one at a time ; one at the end of XX/XX/XXXX and the other in XX/XX/XXXX. XX/XX/XXXX came and went and no check came via mail ; we called XXXX and it took him some time to get back to us, he explained the checks should be coming but would now be mid- XX/XX/XXXX and mid-XX/XX/XXXX instead. XXXX became very hard to get a hold of, he no longer returned calls or texts and if he did he always called from his personal cell phone and not a XXXX phone line. His texts were very short call you at XXXX. We then sent multiple emails to XXXX ( all to his personal email because he didnt want anything sent to his XXXX email ) personal email. Weeks without contact from XXXX an email was sent to multiple XXXX staff in XXXX I finally had a call from XXXX ( once again personal cell phone ) in which he assured us that the checks would be in our hand by XX/XX/XXXX and if they were not that he would have our XXXX points transaction canceled on XX/XX/XXXXand all money we spent returned to us. He was so adamant that those checks were coming that he offered to pay our monthly loan payments the next 2 months to XXXX. The same day I received a call from the XXXX XXXX staff and they asked if XXXX had contacted me and I said yes and the phone call was over after a minute. Once again we allowed him the time for the checks to arrive. The Promises XXXX made never happened and we sent our official complaint to XXXX XXXX with the request to have the contract cancelled and money refunded. XXXX offered a conference call with their hospitality team, XXXX Sales VP and XXXX On XX/XX/XXXX we had the conf call and we were then informed that XXXX had resigned from XXXX XX/XX/XXXX XXXX denied our request as they never interviewed XXXX about our complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After trying to use " XXXX '' to access my XXXX XXXX XXXX, I keep receiving a message as follows " XXXX is blocking you from enabling external applications ''. I can not access my account through Trim.com. After a call to XXXX to fix this problem to access my account, they were unable to fix the problem. After approximately 50 minutes on the telephone with XXXX and after speaking with 5 representatives, there is no resolution and XXXX can not access my card with XXXX. XXXX has not fixed this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
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: We bought XXXX points from XXXX XXXX in XXXX, AZ, in XX/XX/XXXX ( total cost c. {$18000.00} ). We were made verbal promises about how we could use the points which turned out to be untrue. We were told not to log on to our account for 3 weeks, otherwise it could disrupt the set-up process. This conveniently took us beyond the 14 day cooling off period when we could have cancelled and received a full refund. When we did log on ( see email chain ) we discovered that we had been mis-sold and had not checked the small print carefully enough. We immediately asked for a refund and to cancel the contract. This was refused and escalated to higher authorities at XXXX, who also refused. We then sought to get our money refunded in other ways. We had paid using 3 methods, c {$1600.00} on my husband 's XXXX credit card, {$5000.00} on a new interest-free XXXX XXXX XXXX and the remainder as a loan from XXXX. The disputed transaction of {$5000.00} was made onXX/XX/XXXX on the new XXXX XXXX XXXX ( which I have not used for any other transactions ). My husband immediately raised the matter with XXXX, who contacted XXXX XXXX. On getting no response from XXXX, XXXX refunded the c {$1600.00} permanently on my husband 's card. We also raised the matter with XXXX but we learnt later that they never contacted XXXX XXXX on our behalf ( unlike XXXX ). They later said that they " were familiar with XXXX 's contracts and that if we'd signed, that was our fault. '' We then contacted the AZ Attorney General 's office and discovered 2 things : 1. There had been a judgment against XXXX XXXX for mis-selling and that a an amount had been set aside by XXXX of {$800000.00} to compensate those who'd been affected. Sadly for us that money had all been distributed before our claim. 2. In AZ law, the verbal presentation forms part of the contact. In other words they can not say one thing in a presentation and then make you sign something different. We were way to trusting with the pages and pages of contract that we had to initial after an intensive 4 hour presentation. We were not in a fit state to properly vet what we were signing. However the AG 's office said that we would have a strong case in a Smalls Claim Court. That is not a realistic option for us as don't live in AZ. Last summer XXXX XXXX offered to cancel the contract, closing and cancelling the loan but keeping the {$5000.00} we had paid on my new XXXX card. We refused and asked for a full refund. They declined. Soon after that they summarily cancelled the contract without notice to us, reclaimed all the points that we had been allotted under the contract but kept the {$5000.00}. We then escalated our claim with the XXXX XXXX, initially through their complaints procedure and then we were referred to the Office of the President. Initially we dealt with XXXX XXXX XXXX but were then referred to her superior XXXX XXXX XXXX. We spend part of the year in the XXXX and part in the US. We have called many, many times. Just before XXXX, XXXX XXXX said that she had not had time to look into it but would do so and get back to us. She didn't. Between XX/XX/XXXX and XX/XX/XXXX, I called maybe 10-15 times and got her voicemail every time. I left my number and asked for a callback. It never came. I also called the main number for the Office of the President ( of XXXX ) and was promised a call back in 24-48 hours. It never came. Much of this and the explanations are contained in the attached correspondence. My complaint boils down to : 1. We were mis-sold, which is XXXX XXXX ' issue, I know, but XXXX should protect us from that. 2. XXXX helped my husband to get his money back. XXXX did nothing on my behalf. ( We were specifically told that they had taken no direct action in a call in XX/XX/XXXX ). This is a dereliction of their duty to protect me, the consumer. We even sent them the AZ AG 's ruling, which they ignored. 3. There is a whiff of collusion between XXXX and XXXX as XXXX issue this card on their behalf. 4. The Office of the President ( of XXXX ) has failed to pursue my case and completely failed to provide the basic courtesy of returned phone calls. I have mentioned pursuing a claim through the CFPB to them and they have asked for more time to look into it. They have run out of time. 5. There has been no justification for withholding the {$5000.00}. We now have no product and are {$5000.00} out of pocket. Ultimately that is the nub. XXXX surely can not keep our {$5000.00} for nothing, can they?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: During the month ofXX/XX/XXXX, I submitted a request for a Goodwill adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife XXXX XXXX on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A