Date Received: 2023-06-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Ive submitted an application to a Banana Republic XXXX XXXX via Barclays Bank. Apparently the card was mailed followed by the card being activated and an unauthorized purchase made for {$1700.00} on XX/XX/2023 at merchant named XXXX XXXX XXXX. Ive raised a dispute with Barclays claiming unauthorized, fraudulent transaction, but the dispute case was closed with the claim that chip card technology was used which can not be counterfeited. The investigation by Barclays was clearly inadequate and in violation of Regulation Z and failure to correct this and reporting any delinquencies to credit agencies is in violation of FCRA for the following reasons- 1. I did not receive the original card that was sent and the Bank did not provide any evidence with tracking number that the card was mailed and delivered to me 2. I did not activate the card because it was not in my possession. No evidence provided to prove that Ive activated the card. 3. I do not recognize the purchase and neither did I authorize it. I do not know the merchant and not aware of the products or services provided by such merchant. No evidence provided to demonstrate that the purchase was made by me. The account was only opened with the intent to make purchases at Banana Republic stores. 4. Claim that chip card technology can not be counterfeited to support the Banks investigation is not sufficient to conclude that no fraud occurred. If the card was mailed, it could have been stolen from the mailbox. Also research, including research from XXXX and XXXX demonstrate the card chip cards are not fraud proof.
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: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX there was a fraudulent charge for the XXXX XXXX ( in XXXX, XXXX ) for {$1900.00} on my Jetblue Mastercard. JetBlue alerted the fraud and I called to lock the account and get a new card sent to me. The charge was removed from my account. Two months later on XX/XX/XXXX, the charge reappeared on my account. I called Jetblue Fraud and asked why the charge was put back on the account and they said after an investigation it was put through as valid. I was never in XXXX, XXXX so I asked what documents they had to come to this conclusion. They said they had merchant documents, but those said documents didn't have my name or address on them, so I asked to re-dispute the charge. They said to wait 10 business days and I waited longer and never received a response. I called back XX/XX/XXXX to ask about the now re-disputed charge and was informed that they closed the investigation and were leaving the charge as valid because of the card being in person or something to that effect. I was in New York this entire time and never traveled outside the country, so my card could not have been in XXXX. I have charges on other credit cards from that same day in New York, one of which I have attached and highlighted charges made in NY on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not trust Jetblue to do their due diligence and would greatly appreciate outside assistance in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11542
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 we requested an {$8000.00} payment be sent to Barclays Bank from XXXX XXXX. The payment was sent via XXXX and the check was written by XXXX XXXX XXXX XXXX. The payment was supposed to be applied to the balance on our Navyist Rewards XXXX XXXX account. The address and name associated with our Barclays account was listed on the check from XXXX XXXX XXXX. According to Barclays Bank, the {$8000.00} check cashed on XX/XX/2023 and posted to their general ledger as a " non-conforming payment '' since no payment slip was enclosed with the check. Barclays provides the following information for " non-conforming payments '' on the back of their statements : Mailed Payments : A conforming payment received by us by XXXX XXXX XXXXXXXX will be credited to your account the day of receipt. A conforming payment is a payment that : XXXX ) is mailed with the payment coupon included with this statement or printed from oldnavy.barclaysus.com to Barclays, XXXX XXXX XXXX XXXX, PA XXXX ; and XXXX ) is in the form of a single, non-folded check or money order made payable in U.S. dollars from a U.S. based institution. Any payment that does not meet these requirements, or any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a non-conforming payment, which may delay the crediting of the payment for up to 5 days. On XX/XX/2023 the {$8000.00} payment had not posted to my Barclays Navyist Rewards World Mastercard account On XX/XX/2023 I contacted Barclays via online chat to inquire about the payment. I have copies of all online chats to prove the exact nature of the conversation. I told the customer service rep the issue and provided the dollar amount of the payment and that it was coming from XXXX Bank. The customer service rep requested the check number and bank routing and account number in order to open an investigation. I informed the customer service rep that I did not have access to that information since the payment was sent by XXXX XXXX XXXX XXXX via XXXX and not directly from XXXX Bank. On XX/XX/2023, I contacted Barclays via online chat to inquire about the payment. I told the customer service rep the issue and provided the check number from the payment that was cashed by Barclays on XX/XX/XXXX. The check number was sufficient proof of payment information for Barclays to locate the payment on their general ledger and make it a " conforming payment ''. Barclays provided a case number and said it will take 30-60 days for the investigations team to respond. The customer service rep stated that all fees and interest will be waved until the payment is found. I provided XXXX phone numbers to contact me back at with any updates. On XX/XX/XXXX a provisional credit for {$8000.00} was applied to my Barclays Navyist Rewards World Mastercard account On XX/XX/XXXX, I received a letter from Barclays stating that the proof of payment needs to be sent via fax to XXXX or the provisional payment would be removed. Examples of proof of payment : front and back copy of cashed check, Money order receipt, Electronic Funds Transfer. On XX/XX/2023 XXXX XXXX faxed a Declaration of Payment with a copy of the original check front and back and the XXXX Case ID to Barclays fax number XXXX and mailed a physical copy to XXXX XXXX, XXXX XXXX XXXX XXXX DE XXXX. On XX/XX/2023, I contacted Barclays via online chat to inquire if they received the declaration of payment. The customer service rep stated that a case had been opened with the investigations team but it will take another 30-60 days for a response and they could not confirm if the investigations team had received the declaration of payment. The customer service rep stated they will add notes for the investigations team that XXXX XXXX had faxed the declaration of payment. I requested contact information for the investigations team and they were not able to provide it. The customer service rep stated the investigations team will send a letter when the payment is found. On XX/XX/2023 I received a letter from Barclays Bank stating that they had not received proof of payment and the provisional credit was removed from my account. On XX/XX/XXXX I filed a complaint with the CFPB ( ID XXXX ) On XX/XX/XXXX the CFBP complaint was closed by Barclays with an explanation. The explanation was that the investigations team completed their investigation and was not able to locate the payment. Barclays Office of the President representative requested proof of payment be faxed to XXXX in order to continue the investigation. This explanation was also provided in a XX/XX/XXXX letter from the Barclays Office of the President representative. On XX/XX/XXXX I received a voicemail from Barclays Office of the President representative requesting a callback I spoke to Barclays Office of the President representative several times over the following weeks regarding the missing payment. I told him that proof of payment was provided on XX/XX/XXXX. He denies that the proof of payment was received by Barclays at any time and requested proof of payment be emailed to him. On XX/XX/XXXX I emailed XXXX the proof of payment that was originally sent by XXXX XXXX via fax and USPS on XX/XX/XXXX. The Barclays Office of the President representative apparently located the payment and stated that the payment was sent back to XXXX by Barclays I have tried to contact XXXX and can not find anyone to help me with this matter. I have contacted XXXX XXXX and they claim that Barclays still has the money The Barclays Office of the President representative stated that interest and fees that were previously promised to be waived would now be reinstated since I did not provide proof of payment in the required time frame The Barclays Office of the President representative has continually stated over the phone that Barclays does not have the {$8000.00} and there is nothing they can do to help. I requested to be contacted by a supervisor from Barclays Office of the President and a summary of their investigations findings to be provided to me in writing. A Barclays Office of the PresidenXXXX supervisor called me on XX/XX/XXXX stating they would look into the missing payment and if the fees and interest can be waived. I can not reach anyone in Barclays Office of the President as of XX/XX/XXXX to check the status of the missing payment It has been 75 days since Barclays cash the {$8000.00} check and posted it to their general ledger. Neither Barclays, XXXX, XXXX or XXXX XXXX are able to locate the {$8000.00} at this time. My Barclays account is passed due and I am getting several calls a day from their collections department. I have invested 10 + hours into figuring out where the {$8000.00} went and am hitting a dead end in every direction I turn. My credit score has been negatively impacted since the credit utilization on my Barclays Navyist Rewards World Mastercard has remained high. I am desperate and exhausted. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The scenario with this card is it was a back up card I rarely used. I opened this card in XXXX. I have never made a late payment on this card or had any negative experience with it previously. In XXXX or XXXX of XXXX there was an annual fee assessed of ~ {$30.00} and I was not made aware of this fee/bill. Apparently I was late in XXXX of XXXX, leading to XXXX of XXXX ( now 60 days late ) because of this fee. To be clear I had no balance on this card at the time and this fee was generated from Barclay 's Bank. In XXXX I discovered this error, called and paid the fee and cancelled the card so this would not happen again. I was very upset my relationship after 31 years ended on this note. What I am asking for is the removal of this 30 and 60 day late from all 3 Credit Bureaus. This unfortunate incident dropped my credit score in excess of XXXX points ) - : I have attached the account PDF with details on my payment history and account description. This has drastically affected my financial situation as it impacts my insurance costs, increases interest rates and overall risk factors. I would be very grateful for any assistance with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a JetBlue credit card through Barclays Bank Delaware on 2 recent occasions. Initial application said it required further investigation. I then received a letter asking me for copies of my drivers license and social security card which they requested I mail to them. That is a very unsafe way to send that information. I reapplied a few weeks ago and received another letter stating I was being rejected for : Too many recent applications. My credit score is XXXX and I have a net worth of {>= $1,000,000}. I have no debt. I have over 6 other credit cards and am never delinquent. I wanted the JetBlue card because my daughter lives in XXXX and I fly on Jet Blue from XXXX. I believe I am being discriminated against because of my age ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
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: REGARDING CASE # : XXXX PURPOSE OF THIS LETTER : I would like to appeal against the decision Barclays has made regarding my Fraud Case to restore {$1300.00} of Fraudulent charges to my account XXXX account. Decision enclosed. BACKGROUND : On XX/XX/, I purchased {$1300.00} of XXXX Gift Cards using Barclays card XXXX believing that if I used them to pay my XXXX bill, I would get a discount on my next six months of Internet payments. The offer came through my XXXX, and the return number was XXXX. The people who answered the call identified themselves as XXXX and transferred me up a chain of representatives. This is not different from other promotional offers I previously received from XXXX regarding cable subscriptions. After I purchased the cards, I called the supposed XXXX rep with the numbers toward my bill. I never put these cards to personal use. A XXXX of the XX/XX/XXXX XXXX is enclosed, along with another one that I received on XX/XX/XXXX. The receipts and cards are enclosed. ACTIONS UPON REALIZING I WAS DEFRAUDED : 1. I immediately went online to block purchases with card XXXX, reported the fraud to Barclays, and received a new card XXXX. As the Barclays customer service representatives requested, I took the further actions below : 2. I immediately reported the fraud to XXXX, which opened Case # XXXX. I uploaded scans of the backs and fronts of the cards as they requested and handwrote the Case # on the receipts ( scans enclosed ). I was told over the phone that I got to them soon enough, so the numbers were not activated. 3. I reported the fraud to the XXXX XXXX XXXX XXXX Police Department. XXXX XXXX XXXX called me back the next day and opened Case # XXXX. Report enclosed. REQUEST : Among the reasons I use my Barclays card is to be protected against incidents of fraud. As you can see from the Actions above, I did as I was told by Barclays and made every effort to protect Barclays and XXXX from the fraudulent charges. In return, I would expect not be held responsible for the fraudulent charges and the credit be restored to my account. Many thanks for your consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
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 have been working with Barclays, I filed a Police Report, they still continue to insist I benefitted from the fraud purchases described below and will not remove the charges. As it stands, they OWE me as I have continued to pay the monthly during this dispute to avoid late fees. See attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/, I received a letter from Barclays stating that my application for a Barclays Mastercard Black Card was denied because its " review of my prior interactions with Barclays allegedly evidenced cardmember behavior toward Barclays ' representatives which allegedly did not comply with its expectations. '' Those assertions are patently false and defamatory. I have never had any prior interactions of any kind with Barclays that " evidenced cardmember behavior toward Barclays ' representatives which did not comply with [ Barclays ' ] expectations ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I had an open BarclayCard US Visa account that was closed due to the age of the account. After attempting to login to my online account to make payment I was locked out of my account, and soon after I began making my payments by phone. After a while, BarclayCard stopped allowing me to pay by phone, stating that the account was too old and that I would have to make payment via check or money order. Two weeks later managed to speak to a representative who was helpful in assisting me with payment. I made a payment of {$100.00} toward my account balance of {$1200.00} on XX/XX/XXXX, which was receipted on XX/XX/XXXX. However, I received an additional statements on XX/XX/XXXX which did not reflect this payment. Multiple attempts to contact the customer service lines have yielded an unavailable number, and a prompt stating that the call " can not be completed at this time ''. I would just like to be able to make my payments and insure that they are applied to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem when making payments
Subissue:
Consumer Complaint: Wyndham XXXX is a money hungry company that does not care about their customers. I have tried to cancel my contract, contacted a lawyer, and stopped my payments for this company because I can not afford to pay them. I have not used their services in 4+ years. They refuse to let me cancel my contract, and instead they continue to have the loan open which is negatively affecting my credit score. They will not push the loan to collections and they will not allow me to cancel the contract without me paying them {$10000.00}, on top of the {$25000.00} I already paid them. The loan amount is getting bigger and continues to gain interest and late payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A