Date Received: 2018-01-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Blocking use of third party applications that can personally help me pay down debt faster
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91303
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX is blocking me from enabling external applications in order to keep track of my account as I choose. I was able to do so in the past. This is a new development. After contacting XXXX they still refuse to allow this request for access. I understand I have the right to access my financial data.
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: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclay 's Card Knowingly Allowed Scam Artist Merchant, XXXX to Forge My Signature for {$250.00} purchase using their credit card. I did not sign Acceptance of Services Agreement form. XXXX Agent XXXX XXXX hacked my computer to obtain fabricated GA Driver 's license information and attempted to hold/lock my computer for ransom. No purchases were made with merchant XXXX. I provided proof of forgery to Barclay 's but they ignored me and forced me to pay for fraudulent charges by XXXX. Originally, Barclay 's Fraud Department agent said that they had mailed me {$250.00} refund but refund check never arrived. Then they deleted records from logs with reference to promised {$250.00} refund in mail. Now, they completely ignore me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. Barclay Bank had issued a inquiry to my account without my consent. I tried calling Barclay Bank, and they were very unhelpful. They told me i had to call XXXX to dispute the issue. Okay, so I tried calling XXXX. XXXX told me i had to get Barclay to send me a letter of deletion so that i could then forward it to XXXX, JUST so they can remove the inquiry from my credit report.I tried calling Barclay back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through Barclay Bank and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24501
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I bought a ticket from XXXX with my Arrival plus Barkclaycard on XX/XX/2017 traveling to XXXX XXXX XXXX XXXX, the ticket cost was about XXXX dollars. When I call Barclay to redeem my miles they are saying that my miles are no good because I was suppose to redeem them when my flight was completed ( meaning after 90 days only. ) How will I redeem the miles after 90 days if my flight was on XX/XX/3017? Now Barclay is not allowing me to use my rewards and they want me to receive a lower amount in money which reduces the value of my points. Previously they allowed me to use my points and now they are not. Barkclay is been disrespectful and is giving me a big problem. I feel that they are taking me for granted. I have been with them for about three years and have a great payment history. Previously I recommended them to several members of my family and friends however now I am in schock with the way they are behaving. I look forward to your response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Hello my name is XXXX XXXX XXXX and my Barclay visa with XXXX rewards is outstanding in debt. Barclay Visa has sent me an invoice which is below in the attatchments of My account and was closed XX/XX/XXXX to my Barclay visa with XXXX rewards credit card. I am a XXXX XXXX and Also a XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX. I recently have been noticing that since XXXX I have been investing in XXXX shares and stock and I a dividend that was set to pay out last XX/XX/XXXX. I don't understand why XXXX has not applied my dividend to my XXXX rewards visa card and It's already going into collections and incurring more debt. I really need my credit card debt paid and I have contacted Barclay visa with XXXX rewards and no employee seems to understand can you please help secure my debt and apply my dividend to my outstanding credit issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On about XXXX, XXXX closed my credit card account without my permission and it does not refund me annual fees. I just opened this card account for only three months and rarely use its benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The online login/encryption process for XXXX XXXX does not allow ( or blocks ) external applications from accessing my financial information contained on the XXXX XXXX website. As a result, XXXX ( external application/website ) can not access on my behalf to manage these finances. Furthermore, XXXX was unable to offer a solution to this access issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2018-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: Recently on XX/XX/2018, I spoke with a representative from XXXX XXXX XXXX, I'm coming close to 2 years with them and their financial department is very unhelpful. My payments were roughly $ 31 monthly, I have been late 2 or 3 times due to financial hardships and I do understand that payments go up for late payments, now up to date my payments with XXXX are now roughly {$80.00}. I spoke with the representative and asked if they can assist me to help me keep my payments at least in the $ XXXX- {$50.00}, but the rep was very unprofessional and explained the process if payments are late and the APR goes up, she basically told me " I don't know what you want me to do '' even when I asked if I can keep my payments at a payment that I can afford. Long story short I told her I can't afford these payments and if you are willing not to help me to keep my payments at an affordable rate to send my balance to a collections agency, all she said was " okay that's fine, best of luck to you ''. Not only am I receiving a high payment, but very horrible and unprofessional customer service from XXXX. Please be aware for anyone who is considering getting XXXX XXXX XXXX.
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: 2018-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: 1. 30/60 days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), Barclays Bank Delaware 2. 30/60 days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. 30/60/90 days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. 30/60/90/120 days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX XXXX 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, XXXX XXXX XXXX 7. 30/ 60 days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to XXXX XXXX around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX County D.A. 9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX XXXX 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94947
Submitted Via: Web
Date Sent: 2018-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A