Date Received: 2023-06-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: These are instances regarding BARCLAYS Advantage aviator red MasterCard. I have had difficulty with them regarding their charging of interest and penalties which were not valid. Back quite a few months ago, I got an interest charge and penalty charge on my wifes credit card and when checking the statement, I found that the statement had been paid on time. I contacted Barclays and was told that they will often put a charge on the credit card and then, when the payment is received, they will then reverse the charge. I thought at the time that that was bazaar and made no sense. People could mistakenly pay the charge. I called and talked to a supervisor regarding this and she apologized and didn't know why that happened. Then again, several months ago, there was an item that I was to get a credit for. I was told to deduct the charge from my bill since I was not responsible for the charge. I did that but again received interest and penalty charges. I called and they said they would remove the charges. So I deducted the interest and penalty charges from my bill and then, on my next statement I again got interest charges and was told it was because I didn't pay the past interest and penalties. I asked to talk to a supervisor. I then talked to XXXX operator ID XXXX. He told me that my problem was not paying the bill and charges in full and as long as I didn't pay the bill in full even if the charges were not mine, I would continue to receive interest. I told him that I didn't think they should be charging people interest for charges they should need to pay because they werent valid charges. I told him that I was told to deduct these charges. He said that what I was told was not true. He was also rude and said that nobody would've told me that. He said that even though the charges were not valid that I had to pay them and wait till I got a credit for them on the next statement. I told him that was not what I was told. He said he didn't believe that somebody would tell me that. I told him that any credit card that I've ever had and had charges on it that weren't valid and that would be credited that I was told that I was to deduct them from my statement. He said that's not true and credit card companies don't do that. I believe he is wrong. I pointed out to him that if, for example, I as a consumer have something like a {$50.00} charge on my account which was not a valid charge that I had no reason to pay it. But if I was forced to pay it and if they have, for example, XXXX XXXX customers in my situation that they are talking about {$50.00} XXXX that Barclays has on float and they could use the money belonging to their customers. I don't know how that could be legal. I don't know how Barclays can use my money to do whatever they want to do with. Why should I be paying them money for not valid charges and they were able to use my money as a float for another month?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01945
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received marketing emails from Barclays Aviator Mastercard dated XXXX XXXX XXXX XXXX XXXX stating that if I spend money using the Aviator credit card on grocery store, drug store and restaurants purchases I will receive up to XXXX Advantage Miles. Today is XXXX and I have not seen this post to my Advantage account or referenced on my Aviator statement. I have contacted Barclays Aviator more than 5 times regarding this matter but it is truly a waste of time and very little help or information is provided.
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: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On all XXXX XXXX flights, the flight attendants advertise that the AA Advantage Aviator Credit card will get you XXXX bonus miles with a single purchase such as a candy bar. They also state the XXXX bonus miles can get you a round trip ticket to anywhere in the United States. I applied for and got the credit card and the incentive. The misleading and false advertising part is XXXX bonus miles cant get you a round trip ticket to anywhere in the United States. It doesnt get you very far at all. Furthermore, XXXX XXXX does not let you combine points and money to pay for tickets. Its either you pay for the entire ticket with points or on credit. This is complete nonsense and every single flight attendant on every single XXXX XXXX flight is telling their customers that they can get a round trip ticket to anywhere in the XXXX if they apply for their credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : Dispute of Inaccurate Utilization Amount on Barclays Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my Barclays account . The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. Account Details : Bank Name : Barclays Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by Barclays is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. I have contacted Barclays directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to Barclays, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that Barclays corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding Barclays accountable for their inaccurate reporting practices. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: To Whom it May Concern : I was informed by letter that Barclays Bank has established a fraudulent account # XXXX in my name on XX/XX/2023. I assume this is being done by some hacker. I did not request nor do not I want this account. I want it closed immediately. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got a hard inquiries from Barclays Bank Delware and XXXX XXXX XXXX which I believed I never transacted or consented and dropped my XXXX credit score to XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47802
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Account number XXXX his is for Barclays master ring credit card department In accordance with the fair credit reporting act XXXXt 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 a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours. all 3 credit agencies have all different reporting data on late months. please correct to show no late payments ever occurred. see screen shots from my attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am writing to express my deep disappointment and frustration regarding the failure to receive the XXXX bonus miles that were promised to me as part of a promotional offer from Barclays US credit card. Despite multiple calls to customer service department and assurances from representatives, I have yet to receive the bonus miles that I was eligible for after hitting a {$3000.00} spending threshold within the first three months of card activity. I applied to the Miles and More credit card in XX/XX/2023 that is a card that comes with a costly annual fee and with great anticipation, mainly due to the enticing offer of bonus miles, which were a significant factor in my decision to choose the card over other alternatives. As a loyal customer, I have made every effort to comply with the terms and conditions of the promotion, carefully monitoring my spending activity to ensure I reached the required spending threshold within the specified timeframe. I reached out to customer service department 3 times since hitting the threshold and 3 months waiting time period to inquire about the status of my bonus miles. The representatives I spoke to all confirmed that I had indeed met the spending threshold and was eligible for the bonus miles. They assured me that the miles would be credited to my account within a reasonable timeframe. Despite this assurance, the bonus miles have not been reflected in my account to this day. Since then, I have made several subsequent call However, no action has been taken to rectify the situation, and the promised miles remain conspicuously absent from my account statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
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: During the month of XXXX, XXXX, I used Barclays Bank on-line system to access my Barclays XXXX account to protest one single {$8.00} charge simply because I did not recognize it at all, had no memory of incurring it, and had no recognition of the XXXX charging it. I NEVER once mentioned, on this on-line form, the word " fraud '', and I certainly did NOT ask that my Barclays XXXX be cancelled because I have 5 vendors/merchants authorized to automatically bill this card EVERY month!!! Now I will have to waste at least XXXX hours contacting these XXXX vendors/merchants to give them my new, replacement card when Barclays Bank finally gets around to mailing it to me!!! This is OUTRAGEOUS!!! Federal consumer protection laws and regulations gives credit card holders, such as myself, the right to dispute ANY charge when we simply don't recognize it WITHOUT thereby having our credit card cancelled!!! I unsuccessfully tried to get a Barclays supervisor to realize that!!! XXXX XXXX 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: 91007
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A