Date Received: 2023-06-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I got a personal loan from BarclaysUS credit company linked to my existing credit card account. I made payments covering personal loan and credit card charges in full. However, Barclays continues withdrawing money out of my bank account monthly, even though I removed the automatic payment option in its portal. My account number is XXXX I have called the company SEVERAL times, addressing my concern. I am told repeatedly that the investigation department is working on it. What work can be so difficult in reviewing paper work that I sent showing clearly that the transactions were made between my bank and Barclays! Plus, in the Barclays statement it does show the payments were received!! Up to date, Barclays has withdrew 3 payments {$550.00} each. This is AFTER I made my full payment bringing down my account balance to {$0.00}. I can put a stop payment from my bank. But, my concern is that Barclays can report lack of payment to the credit companies. I've worked very hard to keep a decent credit score and to cover my debts. It is not fair that a bank with its extent resources can not solve a simple problem that a competitive person can resolve in 5 minutes!! A case was open. # XXXX Respectfully, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: Although I never had a Barkley/XXXX credit card, they implied I had, and sent unsolicited convenient checks. I used two of the three and paid Barkley the amount I had used on the checks. However, they are charging me {$20.00} for using each card, and now late fees. Please tell them, I never dreamt they would charge for use of the checks. Therefore, I am not paying the $ XXXX + late charges. Please tell them to stop bothering me.
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: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To whom it might concern, The incident happened at XXXX XXXX, XX/XX/2023, at the XXXX Banana Republic ( owned by XXXX XXXX ) store. I was checking out, and the manager, whose name was XXXX, asked me if I wanted to join the membership so I could get a discount on my order. I said yes because I thought the discount was good for joining the membership. But I did not know that he was actually applying for a credit card on my behalf. He used the word " store card '' and " membership '' interchangeably and no ordinary reasonable person could have thought that it was actually a credit card I was applying for. More importantly, he never even mentioned the word " credit card. '' I answered some questions, including my current address, my phone number, my annual income, and my social security number. The requirement of annual income and social security number were suspicious to me but it was never mentioned that I was actually applying for a credit card, neither orally by the manager nor in writing on the screen where I answered all the questions. When I was ready to swipe my own card to make the purchase, I was told that the items were already paid for. I got really confused and it was then did I realize that the manager applied for a credit on my behalf, and the items were paid by that new credit card. I immediately made the objection to him that I never agreed, neither orally nor in writing, to apply for a credit card. And he never explained to me that I was actually applying for a credit card. He just told me that he was sorry and that I could close the card on Monday. I made it clear to him that I never agreed to apply for a credit card, so there was never a contract for this credit card because of the lack of my consent. But the manager clearly does not have any clue on how a contract works, I see no point in talking to him further on this, so I told him that I did not want the items anymore, and he returned the items. I feel like I was defrauded by this manager and the Banana Republic to apply for a Banana Republic credit card without my consent, and this application history is going to negatively affect my credit report and my credit score in the future. For the record, to determine if there was a contract made for the credit card, the legal standard applicable here is whether an objective reasonable person would have thought that it was a credit card, not a membership, that he is applying for under similar circumstances. The answer is clearly NO. The manager did not, orally or in writing let me know that I was applying for a credit card, and I did not orally or in writing consent to the application of a credit card. So no objective reasonable person would have thought that he was applying for a credit card, therefore there is never a contract. I know about the legal standard because I am a XXXX XXXX who goes to an XXXX XXXX XXXX XXXX, and I have an even better understanding of how a contract works and how credit card applications work because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And if I could not even reasonably think that I was going into a contract for a credit card application, then with all due respect, there is no way that an ordinary reasonable person could have thought that it is actually a credit card contract they are going into. My point and conclusion here is, if this company and specifically this store is not getting punished for this, they might even defraud more people into getting credit cards they do not even consent to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Upon receiving my billing statement from Barclay this month I notice that a past due fee of {$500.00} were charge on my account. I have been making payments on time every month of {$500.00} during the investigation not once was I late. Complaint number ID XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under the fair credit reporting act, BarclaysXXXX XXXX Account # XXXX has violated my rights by reporting late payments on my account ( XX/XX/60 ). 15 U.S.C. 1684 Section 602 states that I have a legal right to privacy. 15 U.S.C. 1681 Section 604 Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. Code 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
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: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Frontier Airlines XXXX Sponsored Credit Card issuer Barclays assigned " MyFrontier XXXX '' for XXXX XXXX. Whereas Frontier Airlines assigned " MyFrontier Members No : XXXX '' for XXXX XXXX. Due to having different member numbers, XXXX XXXX has not been able to have reward miles points of 20257 ( or so ) transferred from the Credit Card to Frontier Airlines account for use to get reward miles tickets to fly. Repeated contact was made with Barclays, credit issuer and Frontier Airlines to have this simple matter corrected. They both pointed out to each and took NO corrective answers. Barclays gave the same " pre-formed '' response every times. XXXX XXXX ( cc : ending XXXX ) and XXXX XXXX ( cc : ending XXXX ) ( W/H ) are holders of the credit card account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I took out a debt consolidation loan at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on Saturday, XX/XX/. A check from my credit union for the amount of {$9500.00} along with a copy of my Barclay 's bill attached to it was mailed to Barclays on Monday, XX/XX/. The check cleared my credit union 's account on XX/XX/. When time had passed and I had not heard back from Barclay 's regarding subtracting the money off my balance, I contacted Barclay 's and they began an " investigation '' into the lost check. I was told they needed a copy of the check, so I made an appointment with my XXXX XXXX and sat down and called Barclay 's with the loan officer present. The loan officer sent everything asked for. I think I received an email asking for the same info my XXXX XXXX had already sent, so I disregarded it, assuming it was in error. On XX/XX/, Barclay 's added the provisional credit they had given me back onto my balance. I received an email that said I owed them a $ XXXX payment, so I called immediately. I spoke with XXXX XXXX did not get number ), and then her manager, XXXX ( XXXX ). They basically told me it was put back on my account because I did not follow through with sending them the front and back of the check copy. So I have to make an appointment with my XXXX XXXX again to get this taken care of yet again. ( My credit union loan officer said they have had issues with Barclays before exactly like this. ) Here 's what I think is going on : Barclays has had close to {$10000.00} from my XXXX XXXX since XX/XX/. They have been earning interest on this from whatever account that money was put into ( certainly not my account... but a general pot. ) So is this is a scheme to make money off interest while sticking their customers and giving them the run around? I don't know, but I know it can not be that hard to track a {$9500.00} check when given a certain string of dates along with the routing n umber it came from and the check number. I may never get all this interest they've placed on me back either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: While on a flight back from XXXX and XXXX on XX/XX/2023 on XXXX XXXX the flight attendant came over the loud speaker to announce an offer for a AAdvantage Aviator Mastercard through Barclays Bank. It was announced that this was a special promotion for this flight that if you signed up for the card you would receive XXXX bonus miles upon approval and your first purchase. Additionally they had a special that upon approval you would also receive XXXX XXXX XXXX tickets that could be used anywhere in the XXXX, INCLUDING Hawaii. I verified this with the flight attendant that it was in fact XXXX TICKETS and the XXXX bonus miles not that the bonus miles could be used for XXXX tickets. The flight attendant confirmed this. When I called Barclays upon approval for the Card they told me that was not in fact the case, and you only got XXXX bonus miles. Their agents through the airline ( which has the flight attendants initials on it, assuming they get some sort of bonus for getting people to sign up ) are misleading people and at the very worst are outright lying to people to induce them to sign up for a Credit Card so that they can profit on it. They certainly are not holding up their end of the bargain. I have already spoken to several people at Barclays who at most have offered XXXX miles for the " misunderstanding ''. Its not a misunderstanding, it was verified and they know what they are doing. I would like the XXXX tickets deposited into my account without restriction. I would also recommend opening an investigation into this Bank and its practices in promoting it's Credit Cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
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: Someone used my credit card without my authorization, They changed all my information on my account without my authorization. This credit card company states that the only person who can change information on my account is me- therefore Barclays of Delaware allowed someone to change all my personal information on my account- causing me to be locked out my own account. This is a breach in their privacy policy act and now this company wants me to pay for their mistake. My card was used without my knowledge or conssent and this company talks so rude when I called to report it. This company made me feel like I DID SOMETHING WRONG FOR STOPPING IT. Now this company has tottally messed up my credit report and put this account as a chargeoff now its on my credit report. I have sent in numerous letters asking for validation, and alot more things but this company just states the debt is mine along with the 3 major credit reporting agencies. I HAVE REACHED OUT TO IDENTITY FRAUD.GOV, AND NOW YOU AGAIN. Just because I am a foreigner to this country- I GET TREATED SECOND HAND AND LIKE A LIAR. This credit card company has every phone conversation and I asked them to play back all phone conversations relating to this Identity fraud phone call and tey tell me that can not do that. Only because they are in the wrong with this and this company breached my rights and my Privacy and it can be determined in that phone conversation. I HAVE ALWAYS PAID MY BILLS ON TIME AND THEY KNOW THIS -- MY PAYMENT HISTORY WITH THIS COMPANY SPEAKS VOLUME AND I CAN NOT BELIEVE I AM GOING THROUGH THIS WHEN IT IS CLEARLY NOT MY FAULT AND ALL CHARGES WAS UNAUTHORIZED -ESPECIALLY ME GETTING LOCKED OUT MY OWN ACCOUNT. COMPANIES SHOULD NOT BE ALLOW TO DO THIS ANF GET AWAY WITH THIS. Also, I have XXXX and they told me that my account and my personal information had been changed not Barclays Bank of Delaware.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is against Barclay 's Bank. I have their XXXX VISA card, which was transferred to another bank, XXXX XXXX, on XX/XX/2023. I sent a payment via US mail ( money order ) to XXXX 's before XX/XX/2023. They accepted the payment and cleared the money order on XX/XX/2023. However, now, the credit card is a XXXX VISA at XXXX XXXX. XXXX says that I have a current {$120.00} balance, even though I paid that balance in full to Barclay 's, and Barclay 's cleared the payment, even though they can not find it. Barclay 's says there is nothing they can do unless I submit proof that the money order cleared. ( I have verbal confirmation from XXXX that it cleared on XX/XX/2023 ). To get written proof, I must file a dispute with XXXX ( the money order 's issuer ). They say it will take up to 6 weeks, and they require a {$12.00} payment for that service. In the meantime, I had to pay XXXX XXXX so as to not have a late payment appear on my credit report and incur a late fee. Now, I am out two payments of {$120.00}. I do not believe the transfer of the card should have been allowed if Barclay 's did not have a system in place to keep track of customers who made payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A