Date Received: 2023-04-25
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 purchased a flight with Frontier in the amount of XXXX. On XX/XX/XXXX I went back on Frontier too book a ticket for my cousin when i realized the price was significantly cheaper. I went through the prompts of cancelling my ticket and I believed to understand is that I was going to be refunded {$700.00}, however once speaking to a rep they informed me that I was going to be charged XXXX $ as a cancellation instead. I ended up having to rebuy the same flight tickets so i essentially was charged 2x for the same tickets. The representative refused to do anything to help me or let me speak to a supervisor although i reached out immediately after this was done. I saved for two years for this vacation and I can not afford to pay double the price for these tickets over a mistake that was made. I'am looking to be refunded for the XXXX from the 1st charge on my credit card for tickets that I do not have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Re : CC # XXXX Purchases at XXXX XX/XX/XXXX for $ XXXX blocked by Barclays, also at XXXX XXXX 1 hour later. Contacting Barclays claimed under The US Patriot Act, failure to update my info, though every company I dealt with ( Barclays too ) were informed my new address in XXXX including Federal Govt and its relevant agencies. No other companies request updating my info since XXXX, except Barclays, which I refused. Barclays never will provide proof they requested updated info, prior to blocking purchases with the JetBlue Credit Card # XXXX. The account showed OPEN with Credit Reporting Agencies, when in fact, Barclays placed a BLOCK on my use of it, a lie. Barclays sent me credit cards/bills, were paid in full. However, my check # XXXX ( {$550.00} ) dated XX/XX/XXXX, mailed same date to Barclays XXXX XXXX XXXX, XXXX, PA.XXXX took 23 days for Barclays to process, they charged {$29.00} & interest late fees, which I refused payment and they cancelled charges. Barclays has dishonest, crooked employees. I have not moved since XXXX. When I do, all will be notified. Subsequent bills showed Barclays received/processed payment in 6 days from my Bank 's statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dear Barclays, I am writing to bring to your attention the violations of consumer laws and codes that I have experienced with my credit card account. Despite being unable to work due to medical issues, I have been subjected to exorbitant interest rates on my closed credit card account, causing me undue financial hardship. As a consumer, I have the right to be protected from predatory lending practices and to receive fair treatment from my credit card issuer. However, your actions have been in violation of these rights and have caused me significant stress and financial difficulty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
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 REQUESTED FORM BARCLAYS TO FREEZ MY ACCOUNT ( CREDIT CARD # XXXX ) SINCE THERE IS MONTHLY CHARGES BY SERVICE COMPANY KEEP BEING POSTED FOR NO REASON FOR THE AMOUNT OF XXXX XXXX BARCLAYS CONFIRMED THAT THE CREDIT CARD FREEZED AND NO ONE CAN WITHDRAW ANY MONEY. AS WELL AS IT START THE INVESTIGATION TO DISPUTE THE TRANSACTION IN XXXX. I WAS SURPRISED THAT ON XX/XX/XXXX SAME SERVICE COMPANY POSTED SAME CHARGES. SO WHAT IS THE POINT OF FREEZING THE ACCOUNT IF ANYONE CAN WITHDRAW THE ANOUNT HE WANTS. I BELIEVE THAT 1- BARCLAYS PROVIDED ME WITH INACCURATE INFORMATION ABOUT FREEZING THE ACCOUNT 2- BARCLAYS FAILED TO PROTECT MY ACCOUNT, 3XXXX I HOLD IT ACCOUNTABLE FOR TRANSACTION OF XXXX $ ON XX/XX/XXXX. I BELIEVE THAT I SHOULD GET PERMANENT CREDIT OD XXXX $ FOR XXXX CHARGE I AM VERY FRUSTRATED WITH BARCLAYS AND I HAD T OCLOSE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06360
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After sustained economic hardship stemming from the 2 hurricanes ( Irma and Mara ) that hit XXXX XXXX in XX/XX/XXXX and the COVID lockdown, I have made every attempt to get back on my feet. During the past 2 years I have made steady progress, paying off almost all the debt incurred during these past years. Once I felt I had payed off enough of my credit card debt with two different companies and could work something out, I reached settlement agreements with both of these. The first agreement was a 4 payment plan that would pay off around 55 % of the debt at the moment, I held up my end of the deal and after the last payment I received a letter from them confirming that " We received your final payment, and you have completed the terms of your settlement agreement. ". Nonetheless, I never received any such communication from the second credit card company. After complying with a 3 payment plan ending in XX/XX/XXXX, I proceded to call them and ask why. I was then told that I hadn't complied with the agreement, which I completely disagreed on. After many, many phone calls and many, many hours devoted to solving the mystery ; I was told that the 2nd payment was made for {$300.00} instead of {$350.00} and therefore, I had failed to complete the settlement. They said that they would open an investigation and get back to me with the results in 24-48 hours. They never got back to me. I proceded to call again and -after the mandatory 2 hours and 4-5 handoffs from one agent to another and from one department to another- I was told that they had listened to the recording of our initial phone call and that the agent had said the amount agreed for the last payment was in fact a {$350.00} final payment. They added that I had only payed {$300.00} and was in default. Since I never made any payment myself because it was automatic deductions from my bank account, I let them know I was in complete disagreement and would call back at another time as I'd already spent hours that day on the phone in an attempt to clarify the situation. I called again and again and finally on the XXXX of XXXX, XXXX, after I spoke to more than 6 agents I was handed off to a Supervisor who, once he learned that I wasn't making payments at all rather undergoing automatic deductions in my bank account ; said he would find a resolution to this case. He said he would try and do so before that Friday because he would be out on paternal leave after the end of that week. He continued to say that otherwise I would receive an answer before the XXXX of XXXX, XXXX. I never got an answer that time either. To my great surprise, I received a letter from said company billing me for the account 's balance ( the same amount that would be condoned after making the agreed 3 payments ). I called again today Monday XX/XX/XXXX. I spoke to 4 different agents, I spent approximately 4 hours on the phone. I was told the would reopen an investigations they felt that my case had been mishandled. I went ahead and asked they stop their collection attempts and any reporting to credit agencies until the investigation was clarified. I was told that they wouldn't do that. I asked when I would have an answer to the investigation, since I have increased my credit score by approximately XXXX points in the past months and would not want to put that at risk. I was again told, they couldn't give me a date. I asked for the name and phone number of an agency or organization that I could contact in order to file a complaint, I was denied that information and told to go get it on my own by the rude, disrespectful, impatient collection department supervisor. Here are the facts : 1 ) I had a credit card with the company. 2 ) I had a debt with said company. 3 ) I reached a Settlement Agreement with them. 4 ) I received a letter from them stating the following : " Hi. We are confirming your authorization to deduct funds from your bank account to pay your XXXX Rewards Mastercard Account. Here are the details of those payments. Please keep this letter for your records. XXXX {$600.00} XXXX {$300.00} XXXX {$310.00} '' 5 ) I kept my end of the deal and kept sufficient funds in the bank account I offered for the automatic deductions agreed upon in our Settlement Agreement. 6 ) The 3 payments were deducted from my bank account. {$600.00} on XXXX XXXX, XXXX reference # XXXX {$300.00} on XXXX XXXX, XXXX reference # XXXX {$310.00} on XXXX XXXX, XXXX reference # XXXX XXXX ) After not receiving a statement from them confirming full payment as per our agreement, I called them. They stated I was in default for not complying with the right amount in the 2nd payment. I explained our agreement was made so that automatic deductions were made, they took the money from my bank account. I didn't make a mistake in payment, they made a mistake in deduction. told them I even had a letter from them saying the 2nd payment was for {$300.00}. 8 ) They have told me that they agree with my interpretation but they can only ask to reopen the case. Case was reopened today. 9 ) I asked they stopped collection attempts and especially reporting to credit agencies, as the case was being investigated. They denied my petition. 10 ) Any negative remark to credit agencies will most definitely interfere with my credit score progress and on-time payment history. 11 ) I ask you listen to my complaint and provide assistance, an adversative procedure within the Credit Card company 's bureaucracy is a one-sided process with next to nothing in terms of recourse or options for a consumer. 12 ) This establishes a very dangerous precedent for consumers when confronted with Credit Card companies where they -even when charged with the responsibility of making the proper deductions- can purposefully deduct any smaller amount with the aim of putting your Settlement Agreement in default. This would cause the following : baiting consumers into agreements that involve making payments totaling approximately half the debt in just 3 months with the false promise of erasing full debt. Going after those same clients and asking for the remaining balance based on a false premise of breach of contract. 13 ) In my case the deduction was a mere {$50.00} less than what they say it should've been. Nobody in his right mind would pay 50 dollars less on a {$1200.00} balance and risk paying more than twice as much later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX I was charged {$210.00} on my XXXX XXXX by XXXX XXXX for a XXXX purchase that did not happen and does not show up anywhere on my XXXX account or my husbands. It is identified as XXXX " XXXX XXXX XXXX CA. Calling the number leads you to XXXX. When I stated the charge was fraudulent ( immediately, since I received a text via phone alerting me to the charge ) XXXX closed my account per my request and issued a credit in 2 billing cycles. There were finance charges and late payment amounts that accrued and also were credited. I paid the balance in full {$620.00} minus the fraud amount and fees attributed to said amount. Since the fraud amount was in the pending status when I alerted them, the agent said that the charge had to post before they could look into it. Is that correct? Our accounts for Gap were transferred to Barclays Bank during that time. The amount of {$270.00} was a transferred balance on XX/XX/XXXX to that account with the words XXXX. When I called Barclays and asked what this balance was being transferred, they stated they did not know and to contact XXXX XXXX. XXXX Bank said my account was closed and they had no further information. After several calls to the fraud dept. at Barclays with documentation sent per snail mail certified since no one has a fax machine in this day and age ... .numerous phone calls for almost a year ... since they charge it off and then put it back on and finally sent a letter on XXXX XXXX. XXXX stating that I was not responsible for the fraud. XX/XX/XXXX they send another letter saying the charge is valid since they did not receive documentation. Which is not true, I sent want I have certified mail ( but today claim that I did not have an account Id # XXXX on every piece of paper it would not be looked at. Almost a year later I am hearing about an Id #. The original fraud people with Barclays kicked the claim over to another fraud division since I closed this account also. I am a customer that pays her account in full every month. I treat every credit card as a cash account. Now I have to worry about my credit score ( that is always around XXXX ) being tarnished by insane business practices. Bottom line.. neither XXXX or Barclays want to be held accountable for the fraud, and want to claim it is the other businesses issue. It is XXXX XXXX that should be responsible but it should be Barclays responsibility to work it out with XXXX Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36526
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX of money being moved in and out of my XXXX account, reported by me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My reports were ignored, minimized and were reported by the account managers as part of their incentive program. On XX/XX/XXXX four separate unidentified payments seen as purchases were charged to my account. This happened 5 days after my accounts auto payment, these funds took my account over its allowable limit. They automatically reported a delinquent payment and overage of credit limit, this in turn dropped my credit score by XXXX points. The reduction of credit score, overage and delinquency triggered my oldest credit account of 27 years to lower my credit limit by XXXX which again lowered my credit score. Ive spent hours and hours on the phone trying to remedy their accounting mistakes, they don't have any clue where the money has come from nor why its moved in and out of my account, they have no resolution to destroying my credit and limiting my buying XXXX ( Im a small business owner and use my credit to float my company ) On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not incorrect, asked for any future unauthorized credits to be flagged and that I be contacted. On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not to be worried about sir it is only our reward program. I asked that no unauthorized action be taken on my account. On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I again called and informed account manager of the discrepancy and asked for a letter stating the reason the money was being credited. On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I was unable to call On XX/XX/XXXX My account was debited the minimum payment of XXXX and was reported as current with the next required payment due XX/XX/XXXX. By XX/XX/XXXX XXXX of unauthorized transactions were placed on the account it was reported as delinquent and over my limit of XXXX. XXXX XXXX I received separate letters stating approximately XXXX dollars had been charged to my account of which the numbers again didnt match. As of XX/XX/XXXX unauthorized amounts are still going in and out of my account. I have frozen the account and pulled all modes of payment until they are forced to acknowledge and rectify. I am exhausted and disillusioned after countless hours on the phone dedicated to resolving this with the Barclays staff and account managers, and have hit a limit of their ability or willingness to do anything. I beg for your guidance or assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To Whom It May Concern, XXXX XXXX XXXX, I called Barclays ' customer service to report fraudulent charges on our credit card account : XXXX ( XXXX ) charges for USD {$1700.00}, which appeared to have been initiated on XX/XX/XXXX, made to " XXXX XXXX ''. For the record, we have never made any purchases with " XXXX XXXX XXXX online or otherwise, with our Barclays credit cards ; we never received a receipt for any purchases made, nor received any confirmation from Barclays or anywhere else, via email or otherwise, that any purchase was made to this effect. When I called Barclays on XX/XX/XXXX, the same day the purchase was posted to our account, I was told the card would be canceled, the fraud claim would be investigated, and we would hear back in writing in XXXX days. Also for the record, we have multiple chat transcripts, emails, and other records indicating the tickets in question were purchased without our permission by XXXX due to a system error. It has been over 2 months, and it remains clear Barlcays is holding me, the cardholder, responsible for a vendor error. These charges are not ours, and XXXX is happy to return the moneys, but as of today Barclays refuses to help XXXX return those moneys. Since we can't seem to trust Barclays XXXX Customer Service or Fraud departments to do their job with integrity, we are writing because every single representative we have spoken with since initially calling about this issue has told us falsified or incorrect information, and now almost eight weeks after initiating our fraud complaint we still have nothing in writing from Barclays : nothing in the mail, no emails, nothing even on our account online, and literally no one at Barclays that we have spoken with can verify anything is being done to fix this problem. It is clear that Barclays customer service has not done their jobs correctly, and that our claims that we did not initiate or complete this purchase are being ignored. A successful resolution to this error will be for XXXX to return Barclays funds to Barclays ; my account ( ending XXXX ) to be closed, and a letter of apology sent to me and my wife for this despicable excuse for customer service. We will appreciate nothing except prompt and proper resolution of this issue. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX set collection company keeps calling and sending me letters. The Old Navy debt is over XXXX XXXX XXXX. This has been a discharge, but they keep attempting to collect. They have called me non stop, at least XXXX calls a day. I feel harassed. I have asked them to stop calling me, they send letters, they continue to call. I have blocked them and they call on other numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a car accident recently ( I was not at fault ) that had injured me and I was out of work and a car for a year and a half. XXXX XXXX XXXX are working on my case and have given me the runaround about my settlement. Non stop letters from my health insurance that was billed directly to me for physical therapy, neurologist and every health service Ive received for recovery and I should have never been billed since I was NOT AT FAULT. Despite unforeseen circumstances, Ive been paying a little over the minimum due every month to Barclays Credit Card. Barclays credit card company are threatening to close my credit card on account of XXXX reporting & other items on their review. Ive requested my credit reporting to all 3 Bureaus to send me my credit reports via mailbox and havent received 1 or 2 of them every time, every year. I recently reported a freeze on my scores due to fraud and other unauthorized individuals using my credit cards for purchases such as gasoline and I DIDNT EVEN HAVE A CAR! One credit card company was nice enough to notify me of these gasoline charges on my credit cards and refunded me {$400.00} for gasoline charges alone. Interest rates have increased unannounced, their fraud department is nonexistent and unauthorized charges continue to be charged to my card despite repeated attempts to their nonexistent fraud department. Im requesting you to please prevent Barclays Credit Card from closing my account and Im also requesting advice for my options and what I can do. Thanks in advance, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A