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: Barclays Bank has said they can not help me regarding this dispute. I provided them with the credit vouchers that I found in my contract documents with XXXX XXXX, both of which were not signed by me. This card was not authorized by me nor were these charges. My contracts with XXXX XXXX have been cancelled. If Barclays Bank can do business with such a scam as XXXX, it puts them in the same category, scam artists. Barclays said to take it up with XXXX. Since Barclays is harassing me for payment when they were never given authorization to open a card for me or put any charges on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26554
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have been going through financial difficulties and recently lost my job as well which exacerbated my situation. I kindly contacted all of my credit cards asking for some financial relief. However Barclay refuses to work with me. The only options they are offering is to settle for less than full balance which, although nice, requires me to pay within 3 months which is well beyond me in my current financial situation. I chatted with them on their website multiple times and each time they claim they can not offer me anything and ask me to call, but when I refuse to call and get bullied. I need a payment plan and lower my interest rate on my current balance in order for it to be doable. I explained to them I am trying to regain my financial stability but if my payments and interest is too high I will be forced to declare bankruptcy and wont be able to pay anything, but they did not care. I am a mother with XXXX young children at home and it is extremely cruel of them to do this, unlike the other card issuers whom were very accommodating. I owe {$13000.00} to them and the balance keeps growing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a XXXX XXXX XXXX XXXX XXXX account through Barclays. The account was opened in XXXX. I was given a credit line of {$14000.00}. I have always made my payments. I have XXXX children under XXXX so things can get tight and the card was basically maxed out for some time. Again, I still made my payments. On XX/XX/XXXX, I made a payment of {$14000.00} this brought my balance below {$2000.00}. I wanted to pay that large amount so we would have a credit card with a good credit line for emergencies. This is/was my highest credit line. Today XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, after I made this enoumous payment that Barclays was reducing my credit line to {$2400.00}. I know they " base '' it on credit reporting or all the other made up things banks use, but this is a very dishonest, almost fruadulet way to do business. Barclays had plenty of time to reduce my balance well before I paid $ XXXX. But, NO! As soon as I pay that large amount Barclay 's drops my credit to basically nothing in the case of an emergency situation. I only paid such a large amount to one card specifically to create a safety net for my family. If I would have know this is how they conduct business, I would have probably done things much differently with that {$14000.00}. I had to jump through hoops with the banks to even get that money. It was a home equity loan. What they did is not right and I know Barclays has all the proper responses. But anyone looking at this at face value would agree that what Barclay 's did was wrong. I feel as if they stole {$14000.00} from me. Please advise if I have any recourse. This just is not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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: Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with Barclays, specifically the XXXX XXXX XXXX. Around XX/XX/2018, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with Barclays, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had Barclays sent any communication regarding this forthcoming charge. I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of Barclays resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with Barclays, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment. Despite my attempts to rectify this issue directly with Barclays, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter. In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report. I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with Barclays and a copy of my credit report highlighting the disputed late payment. The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Under Louisiana statute 29:312 an XXXX XXXX service member may not be charged over 6 % by any credit institution. Regardless of date account was opened. The statute referenced above is linked below https : //legis.la.gov/legis/Law.aspx? d=321064
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71111
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Gap Inc. switched their bank for their store card from XXXX to Barclays in XXXX, XXXX, I was not aware of. I already had an automatic payments set up with XXXX XXXX, and I never had issues with payments with Gap card since XXXX. Recently, I had trouble using my Banana Republic card that I haven't used in a while, which the store clerk said is now obsolete, and I was directed to call Barclays and I did. This is when I found out that I have an outstanding balance ( {$430.00} ) from my purchase from a year ago and now I have a delinquent account which would have negatively affected my credit score. I am completely willing to pay however much I owe from my purchase, however the balance amount is completely off. The reason is not only because of the late fees that snowballed in the past year, and but more importantly the credit amount ( {$220.00} ) that I was supposed to get back from returning most of the goods from the purchase ( {$280.00} ) was not reflected in their statement balance. I tried to talk an account specialist on XX/XX/XXXX and the information I got from her regarding my account history was not only inaccurate, but the manner in which the person was communicating to me was condescending and uncooperative.
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: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX XXXX XXXX XXXX. I am writing because I was just made aware that my account was sent to the various credit agencies as a delinquent account. I would like to dispute this ERROR. I would like to first state that I was not even aware my account was sold to Barclays and thought my XXXX card was still with XXXX and kept trying to login to pay MY {$6.00} BALANCE but could not because of the switch. I even tried to reset my password thinking maybe I had the wrong password and did not get a reset password email. I am a working mother of XXXX children and the easiest way for me to pay my bills is online. I had my XXXX card set up for automatic payments back when I created my online account. When I saw that the {$6.00} was not being deducted from my bank account I decided to call customer support to make a payment over the phone. When I called I was made aware that my account was past due and that it was sent to the various credit agencies as a delinquent account. I have never been late or delinquent on my XXXX account and have impeccable credit. I have worked very hard to get my credit where it is only to be ruined by a {$6.00} charge. I was never contacted that I was delinquent nor did I receive any courtesy calls about this. I ask that this be corrected immediately and that it is taken off my credit as soon as possible as it is unfair! I was told by the customer service representative that I should write a letter to some po box and just wait for a review whenever they get to it.Unfortunately that does not work for me. I will not be held hostage until they get to it and drag their feet in correcting this or for them not to correct it. After some research I have found many other customers have had the same issues and so I decided to contact the CFPB so that others do not become victims of these unfair criminal practices. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I contacted Barclay card regarding a money order that I sent for payment. After several calls they stated I needed a copy of the cashed money order. This was provided to them. Originally they posted the credit and then they removed it. Later I received a letter that it was not enough objective evidence. Mind you it is a copy of the money order with the XXXX digit account number and has my mailing address. Not only that it also has the routing numbers of the cashed cashiers check and my name where they sent the copy to. So they closed the case and I had to call them to open a new case again. As of today the money order has been cashed by Barclay and no credit has posted. Worst of all you can not contact the investigation department correctly and the people that work for the. Have to do it through email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Greetings, Barclays Bank in many occasions doesn't deposit rewards without a hassle. I have earned XXXX miles for a referral on my XXXX Mastercard, it showed on my statement but they never sent to my account. Customer Service doesnt have any information. Im reporting because its not the first time this happens with Barclays promo and rewards offers. This agency never fulfill its terms and promises without you requesting your rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Barclays Bank XXXX MRVVervent-Revii XXXX Regional acceptance XXXX Flagship Acceptance XXXX Exeter Finance XXXX XXXX Savings Credit Card XXXX XXXX CRBamp XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX Credit Card XXXX Capital XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A