Date Received: 2023-05-06
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/XXXX, I filed a quality of product/service dispute with Barclays for a purchase made with XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in the amount of {$6500.00}. I attempted to resolve the issue with the merchant to no avail. In fact, on XX/XX/XXXX, I provided Barclays with an email thread regarding my communications with the merchant. See enclosed. MasterCard regulations allow consumers 120 days to dispute a transaction for quality of product/service. Although the dispute with Barclays was filed 115 days following the date of delivery ( XX/XX/XXXX ) - Barclays closed my dispute and alleged that the dispute fell outside the timeframe. See enclosed. Additionally, Barclays never provided a provisional credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
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 offered me a promotion to transfer a balance directly to my XXXX XXXX account. This was requested on XX/XX/XXXX and shows posted on my account XX/XX/XXXX ; however the funds were never received. I called on the XXXX to confirm they had the correct routing and bank account number- which was confirmed to be correct. A week later, I still did not receive the deposit and called again and was told they would open a case [ ID XXXX ]. A week later, XX/XX/XXXX there is still no update and each time I call they transfer me to someone new. This balance is showing on my credit report and they can not give me any update as to where it went - nor will they remove it or put a temporary hold against it. This is a clear lack of controls and proper governance around client accounts. I need this resolved and the transfer removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Between XX/XX/2023 and XX/XX/2023, I was either in XXXX or traveling between XXXX and the United States. On XX/XX/2023, an email Weekly Account XXXX notification was received that reported no new posted account activity. On XX/XX/2023, multiple account email notifications were received that reported : 1 ) {$900.00} had posted to the account 2 ) Six ( 6 ) transactions had posted to the account These transactions were fraudulent. When I saw these email notifications, I immediately logged into the Barclay XXXX website and locked the credit card on XX/XX/2023 and received an email notification to confirm that the card had been locked. I then began the process of notifying Barclay, the vendors listed in the transactions, and the XXXX XXXX Police Department about the fraudulent activity. Of the six ( 6 ) total transactions, five ( 5 ) transactions were removed from my statement, but one ( 1 ) transaction for {$290.00} remained, with Barclay claiming that this was a valid transaction even though it was and is fraudulent. I closed my card with Barclay, but they want me to pay this fraudulent charge. I submitted an appeal with Barclay on XX/XX/2023 over the phone, where they verified that the address used in this transaction is not and has never been associated with me or my account. I also faxed a number of documents and signed statements to attest that the address and charge are not mine and to provide evidence that I was not even in the country at the time. I was told that a decision would be made in 7-10 days. Well after 10 days had passed, on XX/XX/2023, I called Barclay to verify the state of the appeal and was told it would take another 7-10 days, which would require me to pay the fraudulent charge due to the statement due date. I think Barclay is intentionally dragging this out to force me to pay the charge or ruin my credit, at which point they'll use the payment to conclude that the charge is not fraudulent even though it is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent in a check for a large sum of money ( thousands of dollars ) to pay off my card. Jet Blue cashed it but didnt apply it to my account. I have called them every day and they cant find the check even though I sent them a copy of the returned cashed check. They give me a different story every time I call. I have emailed the given email for resolutions but the emails go unanswered. I just want them to credit my account I have proof they cashed the check!! I sent it to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
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 submitted a dispute because the car rental company is not responding. I submitted a dispute with XXXX XXXX Barclays about it and they have closed the dispute stating they sent me a letter which i did not receive. I called XXXX XXXX numerously to check on the status of the dispute and each time I get the run around and they tell me to call back. I called XXXX XXXX on XX/XX/23 and they said to call back again. Today I called to check on the dispute and XXXX who was very rude and dismissive towards my call, said there was a letter sent at the end of XXXX ... That is not true. I did not receive a letter, I only received a statement but never a letter. So they closed the dispute and never spoke of any correspondence from XXXX XXXX XXXX The car rental place deceived me with their emerald program, and over charged me without even giving me a rental agreement when i received the car. So all information was unknown to me until i dropped the car back in 2 days and they gouged my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a statement in the mail that said I opened a savings account with Barclays. called and told them I did NOT open an account. They said they confirmed it was fraud and shut it down before I called. How is it possible that a bank can open a new account without running a credit report or calling me???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98226
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, I applied for a credit line increase on my Barclays Old Navy credit card on XX/XX/XXXX. On XX/XX/XXXX I was notified that Barclays pulled my credit report and did a hard inquiry with XXXX for the increase. The fact that Barclays would do a hard inquiry if I summited my increase request was not adequately disclosed. There was no written disclosure on the increase request page and not check boxes for me to provide consent to the hard inquiry. Since it was not adequately disclosed, I did not give consent for Barclays to perform a hard inquiry of my credit report which is a violation of the FCRA. Had it been disclosed, I would not have requested the increase since I did not want an additional hard inquiry on my report. There is consumer harm with this unauthorized inquiry since my credit report is now negatively impacted for two years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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: XX/XX/XXXX, I was called by Banana Republic to inquire about a potentially fraudulent charge on my account. Approx {$230.00} in fraudulent charges were committed. I confirmed the charges to be fraudulent and the card was cancelled and a new card was issued approx XX/XX/XXXX. XX/XX/XXXX, I was notified by my credit monitoring service that I had exceeded the limit on my Banana Republic card and that my credit score plunged XXXX points. Upon investigation, I found that over {$1900.00} in fraudulent charges were charged from XXXX XXXX XXXX. The fraud department never contacted me about these fraudulent charges. Barclaycard ( the parent company for Banana Republic ) eventually confirmed the charges to be fraudulent and, at my request, closed the account. In XXXX, I got a bill for over {$900.00} in fraudulent charges on my account ( which was supposed to have been closed ). Again, when I contacted Barclaycard, they eventually found the charges to be fraudulent and closed the account ( again ). In XXXX of XXXX, Barclaycard issued a refund check to me in the amount of {$150.00}. I informed them that I would not cash that check because that was not money that was owed to me. I again reiterated that I just wanted to make sure my account was closed and that I no longer had any account with Barclaycard. XXXX XXXX XXXX, I received a statement from Banana Republic stating that I owed {$150.00} on my card. I called the company to inform them I did not owe them, had never cashed the check, and I just wanted my account closed. Now I have been charged a late fee for the {$150.00}. Barclaycard has been so frustrating to work with. At no point have they taken steps to protect my credit, nor have they treated my account with the respect it deserves. I have been a customer for over 20 years, but will never shop in Banana Republic again nor will I ever have another Barclay Card. Please help me resolve this situation, as they clearly dont care to close my account or resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had to get a new XXXX XXXX XXXX account due to fraud last month. The account is not closed, I just got a new account number and card with the same available credit line. XXXX reported the account as closed which caused my credit score to drop several points and for my total available credit, average age, and total number of accounts to incorrectly be reduced as well. I notified the credit card company as well as XXXX. The issue seemingly was resolved when the card reported under the new account number with the updated balance and my average credit age, available credit, total number of accounts went back up and I gained back a few points on my score. However, i'm seeing again today that XXXX is incorrectly reporting the account as closed, and the score dropped XXXX points, and the total available credit, average age, and total number of accounts went down erroneously again. The account is not closed and I'm not going to be losing any points off my credit score because of some jerk trying to commit fraud and XXXX did the sme wrong thing again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have accounts that arent properly verified. The credit reporting agencies, the three major agencies arent properly investigating the accounts. These accounts remain unverified. The agencies keep responding telling me that they have verified the accounts but refuse to provide the method of verification. My different accounts are affected by a breach at the CFPB and should be removed from my different credit bureaus records. My privacy and my credit worthiness has bee compromised and this is a direct violation of Code 1681i Promptly update my files
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 855XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A