Date Received: 2023-06-24
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: Barclays credit card won't retrieve a refund for unprovided services. All details attached. Barclays bank credit card ( mastercard ) gave up on retrieving a disputed amount of {$1.00}, XXXX. XXXX from a travel agency called XXXX. Please see their final letter attached. Barclays bank is now asking me to repay all that amount, I believe I shouldnt have to pay that money, XXXX should send the refund of the money because they didnt use the money for what I paid for, as explained below. I have attached all relevant documents I have. On Friday XX/XX/, I urgently purchased a plane ticket for my daughter, XXXX XXXX from XXXX, XXXX XXXX to XXXX, urgently because the XXXX XXXX XXXX asked me to expedite the process to meet the criteria for her situation. In this case, I unintentionally paid twice with Barclays credit card around the same time to two different travel agencies, XXXX, and XXXX. Only one of the payments was received by the airline from XXXX, per airline representative. Now Im fighting to retrieve the other payment from XXXX but they keep rejecting my call and Barclays wont help either. How did this happen, all explained below. I made my first payment to XXXX XXXX through XXXX XXXX, and they gave me the booking # XXXX, ticket # XXXX ( also confirmed later by XXXX XXXX, XXXX XX/XX/ ). ( Please see attached print-out proof of payment, and if necessary, you can also confirm that with XXXX XXXXXXXX ) XXXX Some hours later after my first payment on the same dayXX/XX/XXXX, I called the same number to confirm whether the transaction had been processed successfully. This second call unfortunately, happened to be picked up by XXXX. I didnt know that this agent talking to me was from a different company. I asked him to check the status of my purchase, I gave him all my information he checked the system and said to me that it didnt process and that he can help me get a plane ticket for my daughter. I asked him if its not going to be a problem of double payment, he said not at all. Then I paid XXXX to him, name XXXX per his request. He sent me a booking # XXXX. ( Please see attached booking and payment ). He assured me that he will send the plane ticket after its been generated by the airline. Few days later, I saw on my account XXXX pending payments. XXXX XXXX representative said to me that the payment was done by XXXX XXXX, no record of XXXX. Although the XXXX cancellation window was over ( while waiting for the ticket # from them ) at that time, I still tried to reach XXXX but each time we start talking about what happened, I get disconnected ( they hung up on me ). I called Barclays bank to dispute the charges, after several back-and-forth discussion about the issue, they said I must write a formal letter to dispute the charge. Barclays bank, also decided to send me a new replacement card to avoid or mitigate any fraud. That is why the attached receipt shows the previous credit card instead of the current card number. On XX/XX/ I wrote a letter to Barclays bank XXXX department to file a dispute. During my follow up calls to the bank, they assured me that they will do everything in their power to retrieve the money back but on XX/XX/, I received a letter datedXX/XX/XXXX from the bank stating that they couldnt help me with this matter, adding that the XXXX will remain on my credit balance to pay back the money to them. On Monday XX/XX/, I called the bank and talked to XXXX XXXX, he reinstated that I am responsible for the money because of insufficient proof of contract and cancellation. During our phone conversation with XXXX, I asked if I did anything wrong by paying before service, he said, No. I added that for all online transactions, everybody pays first before service. If the product is not received or if the service is not provided, then a refund must be made. I said this is the expected role of the bank to make sure that the refund is processed back to their clients account. I added that I XXXX for XXXX made a payment, let him provide a proof/receipt of payment to XXXX XXXX XXXX XXXX XXXX agreed with me on that explanation and my expectation from them, but he still says I must pay the money back. Before the end of our phone conversation, I requested him to send me my bill of rights indicating where to file a report, and he promised to do so. At this time as XXXX writing, indeed, the money currently reflects on my XXXX account, XXXX XXXX failed to supply the information I need for my next step. I XXXX around and discovered that you can help in this situation. I need your help in this matter, please, please, please, because XXXX cant XXXX how long it will take me to repay all this additional {$1800.00} plus interest. I already owe them over {$10000.00}. Please help me. You are my only remaining hope to rescue me. XXXX XXXX bless you at your job, everyday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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: There are two complaints. While in XXXX on XX/XX/XXXX I booked a stay at XXXX in XXXX, I put in the wrong dates, corrected the dates and stayed at the hotel for 2 nights on XX/XX/XXXX. When I recieved my statement from Barclays Choice Privledges there was a {$290.00} charge for correcting the dates. In addition the second complaint is I recieved a {$630.00} charge from the hotel and a {$720.00} charge from XXXX for the very same stay, I was double charged. I have filed disputes with Barclays and XXXX and have been unsucsseful. Barclays transferred my Choice Privliges card to XXXX XXXX In XX/XX/XXXX, they have inhertied these issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been attacked by XXXX XXXX Nationals working at Financial Institutions and Banks. This month I have been the victim of racially motivated attacks by Barclays Bank and XXXX XXXX XXXX employees resulting in the theft of money from my XXXX XXXXXXXX XXXX account ending in XXXX. The hate crime also resulted in false credit reporting by Barclays Bank which misreported the Balance for my Credit Card and falsely and negatively impacted my Credit Score. Summary of Theft and Financial Hate Crimes by Barclays Bank and XXXX XXXX XXXXXXXX XXXX ) On XX/XX/2023 I made two payments to Barclays Credit Card XXXX Card ... XXXX. Payment XXXX {$1000.00} Confirmation number XXXX Payment XXXX {$660.00} Confirmation number XXXX The two most recent payments to Barclays Bank totaled {$1600.00} on this day but I believe there is a history of this that exceeds {$20000.00} USD in stolen money for me alone and this type of activity results in the XXXX XXXX XXXX stolen from other XXXX and XXXX customers like me impacted by this type of payment fraud. XXXX ) On XX/XX/2023 Barclays Bank sent an email confirming they had successfully received the payments ( see attached ) XXXX ) The Total of the Payments successfully made to Barclays that month were posted on my Account Summary ( see attached ) XXXX ) The {$1600.00}. was deducted from my XXXX XXXX XXXX Account XXXX ) Mysteriously on XX/XX/XXXX Barclays Bank said they " Returned '' the Payments they received from XXXX XXXX XXXX ( see attached ) with the reason code " Unable to locate external '' even though the account was validated at the time of setup. XXXX ) I received no email from XX/XX/XXXX, to XX/XX/XXXX indicating any account wire transfer issue or a Return of Funds XXXX ) On XX/XX/XXXX I noticed that XXXX XXXXXXXX XXXX had suspiciously Deleted all Transaction history in the account used for payments between XX/XX/XXXX and XX/XX/XXXX. Even though Barclays Bank claims to have " Returned '' the funds they received from XXXX XXXX XXXXXXXX. XXXX ) The {$1600.00} paid to Barclays is missing from my XXXX XXXX XXXXXXXX Account and has not been credited on my Barclays Bank Credit Card. This money has been stolen. XXXX ) When I requested the ACH and/or EFT Wire Transaction Details for the Transaction Barclays refused to provide these details for research. XXXX ) As of today, the Barclays Credit Card Statement Summary is not Correct. The payment transactions made are listed as " Returned '' but I have not been received any funds returned even though Barclays did confirm receiving the payments- please investigate this coordinated theft and hate crime on me, a XXXX Credit Card holder I have requested the Wire details on several occasions and Barclays bank has refused to provide me with these details for investigation and research on the missing funds. Reference : Unable to locate external Account ... XXXX {$1000.00} ON STATEMENT AS Unable to locate external TRANSACTION DATE Thursday, XX/XX/2023 POST DATE Tuesday, XX/XX/2023 PURCHASED BY XXXX XXXX Unable to locate external Account ... XXXX {$660.00} ON STATEMENT AS Unable to locate external TRANSACTION DATE Thursday, XX/XX/2023 POST DATE Tuesday, XX/XX/2023 PURCHASED BY XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am writing to file a complaint against Barclay, which that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes of this alleged debt, Barclay continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me. I have been disputing this account with Barclay for several years now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, Barclay has continued to report the account on my credit report, which has negatively impacted my credit score. This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. We are not at the point that this alleged debt has aged out and should no longer appear on my credit report regardless. I urge you to investigate this matter and take appropriate action against Barclay for its failure to comply with the FRCA. I also request that you ensure that Barclay removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This card shows on my credit report and it does not belong to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: never received promotional points called four times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your help and assistance. { Also I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint 3 and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ( Barclays ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I recently opened a Barclays ( Old Navy ) store card. My first statement balamce was XXXX of which I paid XXXX ( more than required ). The remainig balance was XXXX, including a XXXX finance charge on my new statement. I paid the remaining balance ( XXXX ) way before due date and I had a XXXX balance. On XX/XX/2023 I made a small purchase which reflected on my most recent statement with payment due date XX/XX/2023. I noticed on this statement a XXXX ... '' minimum charge '' not interest charge, but minimum charge on the statement. I reached out to Barclays for expalanations and I was told that the XXXX stemed from the original balance of XXXX which I have already paid off in 2 installment and with XXXX interest or finance charge. My question is this, is that legal or can they even do this at all, regardless of the term of use. Or, better, is that fair to consumers like myself to pay these types of charges on a credit card with XXXX ( XXXX balance? I am questioning this little amount of money now before I am charged much more later and unexpectedly. I look forward to your assistance in resolving this issues
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I, XXXX XXXX, did a refinance loan, which was partly debt consolidation. There was a title check issued and sent to Old Navy to pay the credit card almost completely off. The check was made for XXXX. The check has been cashed on XX/XX/XXXX, at a XXXX XXXX bank but wasnt credited to my account. I spoke with a customer service representative today, XX/XX/XXXX and she expressed that it would take XXXX to XXXX months for them to complete an investment within the company. Case number : XXXX Customer service : XXXX ID : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anY purpose 15 U.S. Code 1681a - Definitions ; rules of arch construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A