Date Received: 2023-05-20
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: Barclays has not provieded me a valid reason that the charge was valid. This is NOT my signature
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Payment of a full amount of a cash advance, the highest interest balance, was not appropriately applied per consumer regulations, resulting in some balance to remain in the cash advance bucket instead of purchases, resulting in interest charged on a balance that was fully paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I received an account statement after I gave the company a cease and desist. I called to verify that I was indeed on a cease and desist list and verify that I was not to receive any more communication. At first they could not find my account in their system, and then they put me on hold. Then I was given the phone number ( XXXX ) XXXX XXXX and told that they were the only people that could help me with my account. I insisted that I just want to be put on a cease and desist list, and that I have no desire to speak with anyone. I was told that is not possible and I must call the number. So then I asked who was on the other end of the number. The support person did not know and could not give me any information on who she was requiring me to contact to take a cease and desist order. I asked if the conversation was being recorded, explained the serious nature of the request and asked If I could have a transcript of the call. She refused and insisted that I call the number. So I called the number. I was greeted by an automated system that told me I needed to answer questions to determine if I am eligible for something - an advertisement. totally inappropriate... Then it asked me if there is someone over XXXX XXXX XXXX in my household, press 1 for yes. I did not press anything. It asked it a second time. When I didn't respond it asked my my name and the reason for calling. Note : I still have no idea who I am speaking to .... Then before I could respond, it terminated the call. I am the victim of a crime. I am receiving anonymous threats. I am a party to multiple bankruptcies and fraud cases. This is harassment and it is totally inappropriate and it is reckless and dangerous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I did not receive my bill for my Old Navy CC and called for my account number so I could make a payment on line. For some reason, this happens often. I know it's due around the XXXX of each month. I called the number listed by Barclay 's Bank to make a payment and received a recording. After several personal questions, the automated voice said they located my account and were transferring me to a member of their Team. The person on the Team asked me again for my complete SSN, date of birth, etc.and then said they couldn't locate my account and was I sure I was calling the right number. I asked who I was speaking to and he said XXXX XXXX XXXX. He said they had no record of any account with me. I called another number for Old Navy payments and went through the same process only I didn't answer any more questions because it was the same person I spoke with before. I am upset because I have no idea who I gave my confidential information to. I called Barclay 's Bank directly and explained these calls and was disconnected. She said she was refreshing my number and then the call ended. I would appreciate any assistance you may e tend as I do not intend to make any additional payments to Old Navy. I closed the card over a year ago and just paying off the balance at a high interest rate. Numbers called were XXXX, XXXX and XXXX. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately BRCLYSBANKDE XX/XX/2020 Balance : {$1600.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I pay by statement balances in full every month. In XXXX / XX/XX/2023, GAP changed their credit card service provider from XXXX XXXX to Barclays. Subsequently, I was asked to create a new account and link my bank account, setup auto-pay, etc. Even though I added my bank details, etc., due to unclear user interface, I was told that I was not enrolled in auto-pay, resulting in my payment for the XXXX statement being delayed by 1 day. I explained this to the Barclays bank and they credited the late fee back to my account. Since then, i have had auto-pay setup to pay my entire statement balance in full each month. Even though I am enrolled in auto-pay to pay my balance in full, I am still seeing interest charge for purchases on my statement. When I contacted the credit card company, I was provided the below explanation : "... Upon review of your account, we see that your XX/XX/ statement balance was not paid in full. When your statement balance is not paid in full by the XXXX XXXX XXXX cut off time on your payment due date shown on your statements, you're assessed interest, which accrues based on the average daily balance. We currently use a method called 'daily balance ( including new purchases ) to calculate interest. Please keep in mind that we calculate interest separately for each Balance Subject to Interest Rate. Examples include purchases at your current annual percentage rate ( APR ), balance transfers, cash advances, and different promotional balances. Your monthly billing statements show each Balance Subject to Interest Rate within the Interest Charge Calculation section. To calculate interest, we first calculate the average daily balance for each Balance Subject to Interest Rate. This is done by taking the balance on the previous day, subtracting any payments or credits, and adding any purchases posted that day. The result is the total balance for the day. This process is repeated for each day in your statement cycle. At the end of the month, all of the daily balances are added together and divided by the number of days in the statement cycle, which equals your average daily balance. As a reminder, the amount of interest assessed when your billing cycle closes each month will depend on the average daily balance and number of days per billing cycle. The higher the average daily balance and the more days there are in the billing cycle, the higher the interest charge. ... .. " Based on the above method of calculating interest, consumers will be paying interest in perpetuity as long as they keep using their card on a monthly basis. When I enrolled in auto-pay, there is no option available to clear or pay the entire amount. The only options available are to pay " statement balance '', " minimum due '' and " other amount ''. Considering that this is auto-pay, " other amount '' is not practical. I have it set to pay the " statement balance ''. If this bank is going to charge interest based on daily balance, they should have an option to pay whatever is necessary for users to be free of monthly interest charges. Both online and in their monthly statements in mail. The only way to get rid of this interest charge is to not use their card for a month or pay more than the statement balance to bring down the daily balance to XXXX. I find this unethical and unfair for consumers and so bringing this to your attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Unauthorized balance transfer on XX/XX/XXXX of {$9300.00} plus fees of {$460.00} for the unauthorized transfer. XXXX plus months in attempts to resolve. Now there are late fees and interest of another approx {$500.00}. as of XX/XX/XXXX. Also, some real charges of {$5000.00} by me that I have offered to pay should the resolve the matter. XXXX plus hours on the phone with both their fraud department and the dispute department have brought the promise that a XXXX will call me back. As of XX/XX/XXXX ( today ) no call to resolve matter.wr are past 100 days and I see XXXX 's as a predator. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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 XXXX XXXX signed me up for a credit card for a timeshare.We attended a presentation at XXXX XXXX XXXX in XXXX on XX/XX/2022. This was supposed to be a good thing for my family and it has turned into something Im not gon na be able to afford to use due to all the extra costs they lied about. We were lied to about being able to take 2 trips a year and them only costing XXXX points each. To take one trip with my entire family I would have to buy 2 years worth of points if the booking was through XXXX XXXX. Then the armbands are actually XXXX or XXXX dollars per person/per day, the per day was never explained or said to us. On top of all this the free trips they gave up are only valid for XXXX people and XXXX of them have to be under XXXX XXXX XXXX, another thing they never mentioned to us. All this deception is why we feel we should be able to cancel our timeshare membership. We were lied to and our credit was run without permission on a credit card that we did not authorize XXXX XXXX to charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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: several years back we were informed that I XXXX XXXX had a credit card with Barclays at that time I notified Barclays and informed them this was not my account. They had informed me back then that they would close the account and look into it. While we were purchasing our home it came up as a charge off. I notified them again indicating that it is not my card. They were to send me paperwork to fill out and they didn't. to be honest it had totally slipped my mind. Here I am applying for a loan, and it is still on my credit report as a charge off however it is not my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A