Date Received: 2018-01-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have called my credit card Barclays multiple times to complain about unsolicited marketing mail. This includes 0 % balance transfers and other garbage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22043
Submitted Via: Web
Date Sent: 2018-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Good afternoon, I am making a dispute against Barclays Bank Delaware , XXXX XXXX XXXXXXXX And XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX is not allowing its users to see their balance in a secure third party app. It is largely inconvenient, but aside from that, users have the right to access this information in any way they see fit. It allows users to get an overall view of their financial situation and without access to this data, makes managing credit almost impossible. Further, it makes users think twice about keeping a credit account with banks who do not allow this access. Please fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-25
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: On XXXX XXXX, 2017 I used a transfer balance check for the amount of {$6600.00} USC. to pay out A credit card from XXXX XXXX XXXX XXXX never receive that check ... So now this company posted the whole amount in my account and dont want to credit or reimburse me that transfer Balance that I never use, perhaps I have the balance of {$6600.00} USC. In both accounts .... since XXXX XXXX, 2017 I open many cases and investigation with no results, I spoke to different supervisors to try to resolve the problems but they given me the run around.. Its been almost 5 months since this incident and still nobody has giving me any solution to this problem, its a shame that such of big company has so poorly customer service.. My credit report dropped 50 points because of this incident and all they keep saying is we sorry but no actions..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2018-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-26
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 wife and I purchased the " Sampler '' package in XXXX XXXX on XX/XX/XXXX for {$2900.00}. We opened a XXXX XXXX Barclaycard Mastercard to pay the amount off over time. Our first trip utilizing these points was to the XXXX XXXX, XXXX XXXX in XX/XX/XXXX. Our second trip utilizing these Sampler package points was to XXXX, Hawaii where we purchased XXXX points on XX/XX/XXXX for {$13000.00}. We again used the Barclaycard when the sales team informed us that we could again use 6 months interest free financing. XXXX sales agent XXXX XXXX said we would be able to book one to three weeks anywhere if we purchased XXXX points. In our case, this was not just about finding desirable places to vacation. This is because of our son 's XXXX XXXX. He is on a XXXX XXXX so can not fly. We need places closer to home that have the space and amenities needed for all of XXXX equipment and within driving distance to medical facilities, or back home, in case of an emergency. After we had access to the booking site we learned XXXX points will not get you a stay anywhere as we could not find resorts near medical facilities close enough to our home. At an update at XXXX XXXX in XXXX XXXX XX/XX/XXXX, after we complained about availability, the XXXX sales agent XXXX XXXX said, Hawaii lied to you. You cant go anywhere for XXXX points. Foolishly, we believed the XXXX agents when they said they could take care of us. We purchased XXXX additional points for {$18000.00}. This gave us a total of XXXX annual US Collection points after moving XXXX points from the HI Collection. Again, we were assured that we could use our Barclaycard, which now has a balance of {$10000.00} ( Barclay said this is the amount left from the XX/XX/XXXX purchase ). {$7400.00} additional was placed on our XXXX XXXX XXXX and {$610.00} on our debit card. Our XXXX and debit cards are paid off. We were told that the only way out of the HI Collection was to upgrade to the US Collection. They said the HI Collection was going to have a {$1000.00} plus assessment for damage to shores and that in Hawaii maintenance fees Increase 10 - 14 % every year, even though in Hawaii they told us Hawaii maintenance fees increase on average only 6 %. XXXX said that she was legally obligated to tell us that the maintenance fees increase only 2 % because the US Collection is a part of a trust, so the more people that join the trust, the lower those fees would be. However, she specifically said, " I have the same plan, and my fees went down last year. '' She reiterated that the only way to get out of the HI Collection was to upgrade to the US Collection. XXXX listed several places we could stay that were close to home due to XXXX needs, but again, when I logged on to the booking site after we purchased, we could not book at those resorts because it is a " different inventory '', as the Customer Service representative informed me of for the first time. However, I could not rescind the sale because I did not get access to the booking site until after the escrow period ended, which was about 30 days. I was not able to see past XX/XX/XXXX until XX/XX/XXXX, well after the rescind period. After calling customer service numerous times I finally reached a representative that said, Im with the Platinum desk so I can pull strings. She found the XXXX XXXX location which was a very desirable option, one we were shown in the presentation, but it required XXXX points. This would have taken 3 years to acquire enough points. XXXX also said we could get an extra XXXX ghost points that would upgrade us to Silver status by saying we owned an XXXX week. She instructed us to just nod to the Q & A person when they ask about XXXX and we would be able to get the extra XXXX points, but not to say XXXX told us because, You might get me fired if they find out, but that way youll get another XXXX points. XXXX said we could purchase an XXXX week at XXXX XXXX for {$500.00} - {$600.00} and then trade it in to XXXX for XXXX points. She said this was one of the tricks that sales agents could give to customers. XXXX said with Silver benefits we could have food stocked and luggage forwarded. This was a tremendous benefit because of XXXX needs. However, when I read about these benefits after the escrow period, the luggage benefit cost additional funds and the food service was not available at the Silver level. We asked about what would happen if we could no longer use the points and were told XXXX will work something out to help you. We were told XXXX has a website where you can sell points. We were very concerned about being locked into a contract with no way out, and were assured that we could sell our timeshare if it did not work for us. Again, due to the limited access to our account because of being in escrow, I could not see past XX/XX/XXXX, so could not have known about limited availability or inventory until after my account was reestablished. I would have rescinded immediately if I had been able to see that we could not use our points as promised. A letter was emailed to XXXX XXXX Customer Advocacy on XX/XX/XXXX, but have not yet been contacted by the company. I last contacted Barclaycard on XX/XX/XXXX and spoke XXXX in the Office of the President, but she said that there was not much she could do since I signed contracts with XXXX XXXX. However, she did say she was looking into the matter. I filed a dispute with XXXX on XX/XX/XXXX, and they said they would look into it. I called to file a dispute with XXXX XXXX on XX/XX/XXXX, but could not make an official dispute until XX/XX/XXXX after waiting to hear back from XXXX XXXX, which I have not as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I made FIVE purchases from XXXX with by Barclay XXXX XXXX Credit Card, totaling {$4800.00}. All of those purchases coded as purchases - no problem. On XXXX/XXXX/XXXX I made a {$5000.00} purchase on my Barclay Arrival Plus Card from XXXX ( same merchant ) - and I was charged {$250.00} for a cash advance. I contacted Barclay and got a stock response - but no reason why the coding changed all of a sudden and without warning - costing me {$250.00} in fees. This is an unethical thing that Barclay Bank is doing to the consumer, especially considering less than a week before, multiple purchases were made from the same merchant with no additional fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2018-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I got XXXX true XXXX and they offer 0 % rate for 6 months Card vas open on XX/XX/XXXX and transaction vas posted on XX/XX/XXXX XXXX start to charge interest right away, talk to customer service few times and they sims don't care
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-25
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 ordered XXXX XXXX XXXX online using my XXXX XXXX with Barclays Bank. I inadvertently checked a box that authorized XXXX to send monthly shipments to me as well as to charge monthly fees to my XXXX XXXX. When I got my XXXX statement and saw charges totaling {$160.00}, I called XXXX and advised them the transaction was fraudulent and to cancel order immediately. I got my attorney and XXXX on a three way call that was being recorded and closed my XXXX XXXX to prevent any further charges by XXXX and to please reverse the charges back to XXXX as fraudulent. Since XX/XX/2017, XXXX has advocated for the merchant against their customer, me. Even though the entire account balance was XXXXXXXX XXXX charges, XXXX has continued to charge me interest and late fees on this CC account so that the balance allegedly owed to XXXX is now {$300.00} and XXXX is reporting me as 90 days past due to all three Credit Bureaus negatively affecting my good credit. XXXX sent my attorney a written letter advising that XXXX had indeed reversed the charges which is why they could not credit my CC account, so if that's true, I owe XXXX nothing!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78418
Submitted Via: Web
Date Sent: 2018-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-25
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 agreed to have XXXX take out XXXX a month for credit monitoring. They suddenly started 4 months ago taking out XXXX. I called XXXX and I got no response. I also called Barclays and I talked to a manager named " XXXX ''. He is refusing to give me another credit card number. He is also refusing to investigate the charge because he says I need a copy of the contract. I do not have a contract. They are obligated to contact XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2018-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A