Date Received: 2023-06-01
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX recently notified me via email that my credit score has been changed. Review of my credit score through XXXX revealed tha my credit score fell from XXXX to XXXX due to report by Barclays Bank stating that there is a 30 days late payment that was not paid. This credit card has not been used for a few years. So it happened that I did not pay a membership fees that were due on XX/XX/XXXX. I immediately paid outstanding amount on line and contacted Barclays customer service. My complain was that the Barclays has failed to notify me of incoming balance payment either through email, phone message or US Mail at any time which caused delay of me submitting the payment at due date. Speaking with a customer service account representative proved the fact of failing to communicate with me. Had I get any notification ( like all of my banking creditors ), this problem could be avoided. Important to state that Barklays bank has no means for establishing alerts ( such as reminders for payment due date and amount of payment and etc. ) by its clients. This is unusual and will be so helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Was purchasing Airline tickets on Frontier Airlines website on XX/XX/XXXX of this year. They had an offer for their credit card, for if youve approved you can use the card to purchase the tickets. Was approved and continue to purchase, but there was an error utilizing that card. Called Customer Support for the Frontier Airline card and discussed the issue. After going back and forth with him, he stated that was a well known issue and nothing he could do at this time, it sometimes takes a day or two to the symptoms to sync. Also stated that the {$89.00} annual fee isnt charged for the first year. Asked him a few times, just didnt believe him. So I applied for the card to pay for the tickets, couldnt use the card, as soon as your approved the account is opened and I owe the {$89.00} fee. Can not cancel once approved. This is a scam that Frontier Airlines is using. The customer service representative that I just spoke with also said that it was a well known issue with not being able to use the card to purchase the tickets. They advertise it with a {$200.00} statement credit, so of course thats a lot of money towards the tickets. Again couldnt use it, cant cancel the account without owing them {$89.00} fee. Again they are aware of the issue with purchasing. That to me is a scam!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: BARCLAYS BANK DELAWARE {$2400.00} I have contacted the company and have reported this to my credit reporting agencies. The company just verifies it with already-known information. I have an FTC, CFPB, and a police report that I am a victim of identity theft. This is also shown to be true on my credit reporting agencies ' accounts. This account needs to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I signed up for a balance transfer and it took place as usual. I was charged the 5 % transfer fee, which I knew about, and each month was charged a monthly interest fee at my special rate of 2.99 %. I made the minimum payment each month before the due date. Last week I paid the balance, months prior to the end of the special rate. After the payment was processed I received another interest charge that was 4 times that of my monthly interest charge. When I called to ask what the charge was for I was told that it was because I was making partial payments. The representative first told me that the minimum payment was not really the minimum payment and that it was a partial payment. When I asked her to clarify she said that I was assessed the interest because I didnt pay enough, and then said that I did pay the minimum payment that was required but that didnt count the interest. She did not sound confident in her answers and when I asked to file a complaint she said she would transfer me and I was hung up on. I checked the statement and it said that the interest was due on a portion of my remaining balance and not the entire remaining balance. Either way, the interest charged was not something that I have ever seen before and Ive been doing balance transfers for 22 years. My credit score is above 700 and I dont have any missed payments on my report. There is no logical explanation for the charges other than computer error or predatory lending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
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/2023 my son XXXX used his JetBlue by Barclay 's Bank credit card ( I am the primary ) to buy food from a vendor in XXXX XXXX. The charge should have been XXXX Colombian pesos. This is an independent vendor that used a credit card point of sale square swipe system called Bold XXXX. That night I received a Fraud Alert from Barclays saying Bold XXXX was putting through a charge of {$600.00} and asked if it was Fraud -- - I answered immediately yes and the text told me the charge was denied. I then called Barclays from XXXX because I was concerned. I was told there was a charge of {$540.00} before the XXXX charge of {$600.00}. After speaking with the Barclay 's rep I decided to put in a dispute on the over charge and was grateful the XXXX charge was not honored as that was clearly Fraud. I returned home and tried to work through the dispute on the XXXX known overcharge. Barclays put that overcharge back on my statement and sent me a bogus illegal receipt attached for over XXXX, ooo, ooo Pesos for the first charge. As if that wasn't bad enough the Barclays system in XXXX added also the fraudulent {$600.00} charge to my statement so now I have over {$1100.00} in charges for a bill thart should have been {$200.00}. What is so frustrating about Barclays is every time I call I get bounced back between the Fraud dept and the Disputes dept, Everytime I ask for a manager they say one needs to call me back, Everytime they call back it is during working hours and I can't answer. There is no way to call a manager and I am told over and over again to explain myself again and again, I truly do think Barclays is purposefully overcharging consumers, is siding with criminals and has rigged the system so you can never get a person of authority to help. I can not believe this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: THIS IS THE 3RD TIME I AM REPORTING AN ISSUE WITH BARCLAYS AADVANTAGE AVIATOR RED MASTERCARD CREDIT REPORTING PRACTICES. XXXX XXXX AND XXXX SHOW THAT BARACLAYS REPORTED THAT I MISSED THE XX/XX/2023 PAYMENT. I IMMEDIATELY CONTACTED BARCLAYS TO INFORM THEM THEY WERE ERRONEOUSLY REPORTING A MISSED XX/XX/2023 PAYMENT. THEY INFORMED ME THAT ALTHOUGH THEY RECEIVED MY PAYMENT ON XX/XX/2023, I WAS REPORTED FOR A MISSED PAYMENT BECAUSE THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WAS RETURNED, SO THEY REPORTED XX/XX/2023 AS BEING MISSED. MY MONTHLY PAYMENTS ARE DUE THE XXXX OF EACH MONTH. I WAS DELAYED IN MOVING THE MONEY TO THE XXXX ACCOUNT USED TO MAKE THE BARCLAYS PAYMENTS SO ALTHOUGH THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WERE RETURNED, THEY RECEIVED THE PAYMENT MADE ON XX/XX/2023. I SUBSEQUNTLY PAID OFF AND LOCKED THE CARD ON XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently received a application notice for a credit card, dated XX/XX/2023 from Barclays. The mailed notice referred to a Wyndham Rewards Earner Plus Card, and stated : " Thank you for your recent application.... We have reviewed the application and determined that additional information is needed before the request can be processed. '' I did NOT apply for this! - I don't travel much via hotel and would never have applied for this card. I did contact Barclays directly ( on Tuesday, XX/XX/2023 ) with the provided phone number, spoke to a Barclays customer Security Rep, and requested an investigation take place. I will be checking back with the investigation team to figure out the progress and hopefully, the fraudulent applicant gets caught - I will push to prosecute. I am aware that the phone number on this application does NOT match my phone number but the customer security representative could not disclose any further information at this time. I am filling out 2 separate cfpb complaints ( this is my second complaint ) The first complaint was for XXXX XXXX XXXX XXXX, ID # XXXX - XXXX, if needed for reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I currently have 2 cards with Barclays. A Rewards Mastercard and an XXXX XXXX Aviator MasterCard. Begining in 2022 I began noticing that information about my account was being changed on the web site. Phone numbers and addresses had been changed. I contacted Barclays about this, they said there was no problem. It must have been someont there that changed the information accidentally. All is good. Then I noticed a payment made on one of my accounts that I did not make. Called fraud division at Barclays, card canceled, new card on the way. Begining this year as soon as the new cards are issues, they are compromised. I can not access the web site since it is locked out. I have talked to many people at Barclays iincluding fraud and told them I only want statements mailed to my house and I will pay from them. Next day I get an email notification that all statements will be online. Now I can not access online, can't get through there terrible automated phone system since I do not have a current card, and I am not getting statements in the mail. Now they are hitting my credit reports.This goes on and on, and all I get is lip service from everyone I talk to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60047
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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/XXXXXXXX I used my Barclays Bank Aviator Red card to purchase airline tickets for two people ( total {$4200.00} ) from a phone number I believed to represent XXXX XXXX XXXX. The person on the line presented themselves as such and took my credit card information, name and that of the other passenger, address, phone number, email, passport numbers, and copy of my drivers license. I received a " XXXX XXXX Booking Confirmation '' with the salutation " Greetings from Flight Support, '' giving the flight details. It appeared to me to be a receipt and an itinerary from the official airline. I have a copy. I did not know until XXXX upon checking my Barclays statement online that there was no sum posted from XXXX XXXX. There were, however, four charges pertaining to travel that I did not recognize. These were : XXXX XXXX XXXX XXXX for {$100.00}, XXXX XXXX for {$1100.00}, another for XXXX XXXX for {$1100.00}, all posted XX/XX/XXXX, and the last for XXXX XXXX for {$1700.00}, posted XX/XX/XXXX. I called the number given by Barclays for what I understand now to be for disputes and was told to call the merchants despite being very clear I had never heard of any of them. Additionally, I informed multiple of the XXXX Barclays representatives with whom I interacted that I had called XXXX XXXX XXXX XXXX XXXX informed me that a booking had been made in my name on XX/XX/XXXX but cancelled a few days later ( XX/XX/XXXX, I think ) because the money had not been received. I called all of the entities as Barclays required me. XXXX XXXX XXXX XXXX assured me there was no problem but could not find any of my information given in their system, spoke in circles about possible trip taxes and could give me no other information. XXXX XXXX had no record of my name or any purchase. The agent from XXXX XXXX, XXXX " XXXX XXXX '' ( phone : XXXX ( XXXX ) XXXX ) assured me there was no problem, and that he could rebook me. ( He sent me a copy of the photo of the drivers license I had sent to what I thought was the XXXX XXXX site, so I assumed he was involved with the earlier issue. ) A subsequent check with XXXX XXXX indicated a second reservation was made ( by a third party, not myself ) but then dropped for lack of payment. I called Barclays back and explained what happened, emphasized my belief that I was a victim of fraud. I spoke with at least 5 representatives in succession, became increasingly confused and of the opinion my concerns were not taken seriously. I am XXXX, and feeling extremely vulnerable at this point. I was told that for a couple of billing cycles I would not be held responsible for the charges as they would be investigated. Since then I have received two identical letters from Barclays regarding the {$100.00} charge to XXXX XXXX XXXX XXXXXXXX describing it as a dispute and saying it is being investigated. There is nothing about the other charges. I consider them all to be fraudulent. I was obviously deceived into thinking I was working with XXXX XXXX when I first attempted to book, and I personally learned from XXXX that XXXX never received a cent for the attempted bookings, which was why they were dropped. As I noted, I am XXXX, and in a vulnerable group for such fraud. Looking back, I think it is pretty obvious given the four unrecognized travel related charges came at the same time and nothing was paid to XXXX despite claims to have done so by the one " XXXX XXXX '' of XXXX XXXX. The various Barclays representatives seemed oblivious to my dilemma, were extremely lacking in common empathy or interest, difficult to hear over the telephone due to back ground voices and foreign accents. The fact that one charge is regarded as a dispute, and I haver received nothing in regard to the status of the others is most disconcerting. Meanwhile I did use my Barclays card with a new ID number to book the same XXXX flights as before with the real XXXX ticket agent for significantly less, and the charges appeared on my statement very quickly. I have also filed a police report in order to change my drivers license number. last 4 digits of old card : XXXX new card : XXXX Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43202
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a Barclay Wyndham Rewards Earner Plus Card in early May with a welcome bonus of XXXX Wyndham Rewards Points after spending {$1000.00}. As of XX/XX/2023, I had spent {$1600.00} which is well above the {$1000.00} required to earn the bonus. Sadly, only the XXXX reward points earned through spending were transferred to my Wyndham account, not the XXXX bonus points. I contacted Barclays customer support via phone about the issue shortly after the statement was generated and they told me to wait upto five weeks citing those terms but they did not read the portion above that where it said that the bonus would be reflected in my Barclays account on the billing statement made after I qualified to earn the bonus. " The bonus points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus points to be deposited into your Wyndham Rewards account. '' from the FAQ on the bonus and reward earn. I downloaded the PDF statement for XX/XX/XXXX, after I had made the charges to qualify for the bonus and only see the XXXX points, excluding the extra XXXX I am entitled to. PDF is attached, along with FAQ page. Barclay is not honoring the terms of the promotion and awarding the points as needed. Customer Service either does not understand the issue or are unwilling/unable to correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A