Date Received: 2023-05-31
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 was charged {$50.00} for XXXX XXXX XXXX XXXX that I never used ( posted XX/XX/23 ). After not being able to resolve it with XXXX XXXX XXXX, I disputed the transaction with Barclaycard ( on or around XX/XX/23. They soon after sent me a letter stating that my dispute was not approved because " We were not provided with the true nature of the dispute when first notified of the claim. '' This is untrue -- all the information I gave was factual. I contacted Barclaycard again and the agent recommended I mail in a letter explaining all the details. I did so, and received the same letter stating my dispute could not be resolved ( XX/XX/23 ). I should not have to pay for services that 1. I did not use and 2. was recommended to me by XXXX XXXX XXXX by mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10003
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: 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 had a Banana Republic branded credit card for many years. The servicing bank was recently changed to Barclays. Barclays mailed me a new card, but this card was damaged, with no legible number. I was unable to resolve this issue over the phone, as the agent could not figure out how to help me, and I decided to simply stop using the card. After my husband made legitimate charges on this account with no physical card in the store, I decided again to try to resolve the issue of the damaged card. When I called Barclays, the agent offered to express mail me a new card and did so. She did not tell me there was a charge for this service and I did not authorize a charge. I then received a bill for the legitimate charges as well as a {$15.00} charge for mailing the new card. I placed XXXX calls to complain. On the first call I was asked to call a second number. XXXX calls to that number were disconnected after lengthy conversations with agents. I paid the legitimate charges but disputed this {$15.00} charge in writing per Barclays policy ( first letter XX/XX/2023 ) and requested that my account be cancelled. Barclays responded in writing confirming cancellation of my account but did not address my appeal of the fraudulent charge. I disputed the charge again in a second letter dated XX/XX/2023 and Barclays has ignored my written dispute and continued billing me in defiance of their policy. I have given up and paid the {$15.00} rather than risk any harm to my credit rating but I wish to make a complaint against Barclays for, first, applying this charge that I never authorized, and second, failing to follow their own dispute policy and ignoring my dispute and continuing to bill me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10065
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: 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: XXXX Barclay 's has refused to intentionally review in full, this request for consideration to refund, despite sending each and every statement and the voucher as proof of monthly payments paid by me. COMPLAINT regarding DISPUTE Case Numbers : XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam COMPLAINT I am writing to advise you that I am unhappy with the decision taken not to refund payments as requested in my prior letters dated XX/XX/XXXX and XX/XX/XXXX which are enclosed. I booked my travel with a XXXX XXXX based company called XXXX XXXX XXXXXXXX XXXX XXXX number XXXX XXXX : XXXX. This company entered insolvency on XX/XX/XXXX. This has left many people, I included, out of pocket for future travel with them in XXXXThis initial tour was to take place on XX/XX/XXXX and was postponed as a result of Covid and the closure of International borders. Frankly, it was illegal to travel for tourism until XXXX did not fully recover after Covid, but prior to this it was an award winning and highly reputable company. It was impossible for me to know that they would not follow through on the purchased travel commitment. I asked for a reimbursement but they refused citing they would honor future tours. I rebooked on XX/XX/XXXX for a XX/XX/XXXX Tour. XX/XX/XXXX ( three months later ) they placed my re-booked XXXX Tour on hold. Shortly after, XXXX sent a letter they were beginning closure of XXXX. Communication went silent after they placed my re-book XX/XX/XXXX on Hold and then they went bankrupt. This card and those transactions were purchased with intention towards travel, and no travel happened. I appreciate that there are time-scales for refunds to be initiated, but I had no reason to believe up until XX/XX/XXXX that my tour would not be honored. I am part of an 800- strong group of failed customers who are working with a money advisor so I am aware that many financial companies including XXXX, XXXX XXXX XXXX XXXX, and XXXX have already made refund payments to XXXX customers. These payments were made in good faith by me and I trusted in the fact that I used your companys card for a future travel event that I was covered in case of failure. Most importantly, I can prove the monthly payments from your monthly statements and these were not ever used for this promised tour. On a personal level and due to their insolvency, I would find this refusal to refund my money devastating. I placed my trust in your financial institution and was certain you had measures in place to protect me as a valued customer in a case like this. I would be grateful if you could reconsider the position regarding my request and return funds to my account using the Chargeback mechanism. A {$250.00} voucher for XXXX tour and 9 proven monthly payments {$160.00} each. This total is {$1900.00} US Dollars. ( Particulars of Claim ) Priceline Barclays card is ironically touted as a Travel card, which makes this request even more profound and involving XXXX Travel Tour business failure and subsequent bankruptcy. If you feel unable to do this please issue a written full and final response letter. I will then bring this forward to the Consumer Financial Protection Bureau. Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56560
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: About a month ago I started getting up to XXXX calls a day from XXXX Bank. At first I answered and after a pause got a voice message asking why I called.I didnt call so I hung up, but the calls continued. I figured out that they were calling in reference to my Banana Republic Rewards card ending in XXXX numbers they said the cards account had but I have no knowledge of having such a rewards card and it certainly wasnt the regular account number of my Banana Republic card. I eventually tried to call the XXXX number back, but was lead through a rabbit warren of links telling me that I owed a certain amount that I never paid. Since I couldnt find any such amount on my Banana Republic account, I hesitated paying over the phone ( which would have required giving my checking account number ). I then called Banana Republic directly but they said their regular credit card account is not my rewards account. In the end, I mailed a check for the full amount I was told I owed to Banana Republics address. I have not heard a thing in the 7 days since & theres no evidence from my bank that my check was cashed yet, and worst of all, the incessant calls continue! You are my last recourse!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Request for Reconsideration of Late Payments Reporting Dear Barclays Bank Delaware, I hope this letter finds you well. I am writing to request your kind consideration regarding the late payments that are currently being reported on my credit report. I am an account holder with Barclays Bank Delaware, and my account number is XXXX. First and foremost, I would like to bring to your attention the unforeseen circumstances that led to the late payments on my account. As you may be aware, the XXXX pandemic has impacted countless individuals worldwide, and I unfortunately fell victim to its effects. I contracted XXXX at the time, which resulted in a severe deterioration of my health. Due to the severity of my condition, I was admitted to the hospital for an extended period, during which I was unable to fulfill my financial obligations promptly. Regrettably, this health crisis coincided with an unexpected loss of employment, which further exacerbated my financial difficulties. The combination of medical bills and a sudden loss of income placed an immense burden on me, making it challenging to meet my payment obligations. To compound matters, the emotional strain caused by these circumstances took a toll on my personal life as well. Tragically, my beloved dog, who had been my source of comfort during this challenging time, passed away. The emotional devastation and grief from this loss further hindered my ability to manage my affairs effectively, including ensuring my financial responsibilities were met. In light of these extraordinary circumstances, I kindly request your reconsideration to update the late payments on my credit report. I understand that your institution has the discretion to make adjustments in situations where customers have faced significant hardships beyond their control. Given the global impact of the XXXX pandemic, I believe my case aligns with the intent of the Cares Act, which emphasizes relief and assistance to individuals facing financial hardships caused by this unprecedented crisis. I kindly request that you update the late payments on my credit report to " paid as agreed '' to accurately reflect my current financial status. This adjustment would greatly alleviate the negative impact on my creditworthiness and provide a fair representation of my commitment to meeting my financial obligations. I am committed to restoring my financial stability and demonstrating responsible financial behavior moving forward. I understand the importance of meeting my payment obligations and intend to make all future payments in a timely manner. Thank you for your understanding and consideration in this matter. I sincerely hope that you will grant my request for the adjustment of the late payments on my credit report. I am confident that Barclays Bank Delaware, as a reputable financial institution, values its customers and supports them during times of unforeseen hardship. I appreciate your attention to this matter and eagerly await your positive response. Yours sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
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: On XX/XX/2023 I purchased four ticket to XXXX. The site showed an amount ( {$6800.00} ) but my credit card was charged more ( {$7800.00} ). I immediately called my credit card to cancel the transaction, the agent confirmed the cancellation but a few days later I noticed the payment was still pending on my cc. When I called my credit card customer service they asked me to call the merchant which I tried to do but with no success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with BRCLYSBANKDE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with BRCLYSBANKDE for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have written to this company several times throughout the years, the last letter was mailed out on XX/XX/XXXX via certified mail. I have been a Banana Republic card holder since XX/XX/XXXX and have never paid late. According to my credit reports, it shows XXXX late payments XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. The late payments were due to temporary job loss and it was only for XXXX day due to the late arrival of the United States Postal Service. I have pleaded with the company via phone as well but to no avail. I am trying to purchase a home, therefore, these negative items are affecting my credit score. I would greatly appreciate you looking into if further and I look forward to hearing a positive outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
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 filed a dispute in XXXX against Barclay Card for a fraudulent charge of XXXX. I had to do it here and they are awful and will not respond normal ways. It " worked '' and they found in my favor since I never made the charge. I did not trust them, however. After that I attempted to use their online " close my account '' link to downgrade my acct to a no annual fee or even to close it but they said I had to call. I just stopped using my card. Today they sent me a new bill for THE SAME XXXX CHARGE THEY ALREADY FOUND I DID NOT MAKE! There is no end to their deceit. I want this charge removed. I want them sanctioned. And I want my account CLOSED and a refund of my annual fee. I do not want to speak to them again. EVer. I will be publicly posting their deceit and also reporting this to XXXX XXXX for their review of partners.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I would like to report that several credit card transactions were attempted to purchase services on XX/XX/2023, these transactions were swiped utilizing a XXXX method of payment on a phone on my Barclays Jet Blue Credit Card. The transaction amounts are : {$4400.00}, {$700.00}, and {$1900.00} used for vendor at XXXX. These attempted transactions are fraud and have never been requested by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A