Date Received: 2023-04-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a credit card with JetBlue Airlines. Barclays is the issuer of the JetBlue credit card. My entire credit card balance constitutes of 2 different types of zero ARP promotions. I do not have any balance that is currently under APR. One part of the promotional balance expires in XXXX and the other promotional balance expires in XXXX. Knowing that I had a balance coming due to expire soon, I sent a payment to pay off that portion of the balance. After looking at my recent statement, I noticed that Barclays allocated part of my last payment towards the promotional balance that was due in XXXX and left an unpaid portion of the promotional balance that was due in XXXX. I have called Barclays to ask them to please use my entire payment to pay off the promotional balance that is due in XXXX, but my request was denied. I called Barclays 2 times and the second time I also spoke to a supervisor. The 2 times I called Barclays I was told that the way the allocate payments is it first goes to purchases, then to balance transfers and then checks. I told them that I was not aware of this, and this was never explained to me. If I would have known this prior to using their promotional balances, I would have had planned better how to pay the entire balance off. I asked where this information is disclosed on their website and both representatives including the supervisor told me that their website does not disclose this information. As a consumer, I feel that this practice is unfair. Barclays emails me lots of promotions encouraging me to use my JetBlue card, but they do not inform me of how my payments are allocate when there is no APR being charged. Barclays should make this information very clear to their consumers so that they can make better decisions before using their credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclay Card has closed all of my accounts as what they claim 'negative experience ' without detailed information in 2018. I have over $ XXXX available credits with all other banks and over 100 credit cards and 15 years ' experience with no 1-time late payment or delinquency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: i have requested a balance transfer from my XXXX XXXX to Barclays for {$3000.00} on XXXX and the amount of {$3000.00} was posted to my account on XX/XX/XXXX, Barclays did not process and sent the check to XXXX until XX/XX/XXXX that almost resulted for non-payment as the due date of my credit card with XXXX is XX/XX/XXXX. Balance transfer normally takes 7 to 10 days but for some reason this account has been targeted.by Barclays. This is unacceptable and i would like your agency to open an inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: the payments made are not being credited to my account when received and a mandatory hold was being placed in the payment. I have addressed the issue with the customer service of Barclays in XX/XX/2022, but the issue keeps on happening and can not explain the reason. Barclays does not have a reason to put a hold to my payments, no payments has been returned since this account has been opened. This account has been in good standing. This is unacceptable and unfair. It seems like my account has been targeted. i would like your agency to conduct an inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
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: In XXXX, XXXX alerted me to fraudulent charges. I went onto XXXX and changed my password as they advised. A few days later, they alerted me again, and there were 11 total charges for the same merchant ( that were not made by me ). I opened a dispute with XXXX, and a few days later, they credited me for one of the charges but not the others. My credit card bill was coming due, so I called Barclays Bank and disputed the remaining charges. They credited all the charges back to my account but added some back on earlier this month and the remaining ones a few days ago. After multiple phone calls to XXXX and Barclays, I was told by XXXX that they could not resolve the dispute because they were still waiting to hear back from my creditor. Barclays says they added the charges back onto my account because XXXX confirmed they were valid. My credit card bill is due, and I do not have an extra $ XXXX to cover these charges. I have excellent credit. I do not want to ruin that, but what else am I supposed to do? I can't believe neither of these companies has been able to do something to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/XXXX or XX/XX/XXXX of 2023 I went to a time share presentation with Wyndham. They asked for my social just to make sure I could watch the presentation is what I was told. Yesterday, XX/XX/XXXX I received a notice from XXXX and XXXX XXXX that I was signed up for a new credit card for XXXX with wyndham and it dropped my credit score. I never signed up for a new card. I reached out to wyndham over the phone and they said I did not have a record of that. I did some research online and there are loads of incidents of this exact thing occurring. This is fradulent activity and I did not sign up for a credit card and now my credit score has significantly dropped and I have no way of fixing this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78840
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I worked for a law firm in 2022 and sent Barclays Bank a subpoena for information regarding a matter. They ran a hard credit inquiry on me on XX/XX/2022, without my consent or knowledge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/22 I paid my Old Navy CC via XXXX XXXX XXXX bill pay for the balance due of {$52.00}. Since then every month I have been billed for that balance and late fees. I have disputed on my credit report, I have called Barclays, I have escalated it, sent in proof of payment 3 times to 3 different places as instructed. They still will not credit my account and clear my credit report. Hours each month on the phone, starting over every month. Old Navy changed banks and my payment was sent to XXXX, who apparently did not forward to Barclays. Barclays acknowledged that XXXX will not take their carholders calls, and there is no valid number to call them. Barclays stated my payment was returned to me. XXXX XXXX XXXX has advised bill pay payment can not be returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13088
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Barclay XXXXXXXX XXXX I do not recall making any late payments to this account. I also believe the FCRA XXXX allows me to remove collection older than 2 years, I have made several attempts to have Barclay XXXX XXXX correct this error with no success. I submitted requests for adjustment in XX/XX/XXXX and XX/XX/XXXX, but the issue has not been resolved. I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. Thank you for your prompt attention to this matter. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with then Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A