Date Received: 2023-04-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Tried to cancel card and refund annual fee. Barclays insisted that I needed to pay the annual fee in full, and would incur interest if the fee was not paid in full. Barclays should have refunded the annual fee and XXXX out the account. It seems to be a system issue, and one that is unfair to the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 991XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting creditors have violated my rights. 15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 second 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account 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: CT
Zip: 06457
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I had returned an item that I had purchased at Banana Republic with a Banana Republic gift card and had not been refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for Barclays Aviator AAdvantage credit card while I was on an XXXX XXXX in XX/XX/2022. The flight attendant advertised that if I applied and simply buy a qualifying purchase, which could be anything, I would automatically receive XXXX mileage points. I applied and was approved. I made my purchases. I assumed I had my promotion mileage to be used in the future. Today, I was ready to redeem as I had a flight to purchase. I checked my rewards and the XXXX points werent on there. I checked the rewards page. It stated I completed my qualifying purchase. I just didnt pay for my membership fee of {$99.00} within 90 days. I wasnt aware this was a requirement. I checked my payment history. I made my first payment of {$29.00}, second payment of {$29.00}, and third payment of {$100.00}. I knew these payments alone were enough to pay the membership fee. I called in to Barclay to get this resolved. They said when I make a payment, their system has no way of knowing what my payment was used to pay a prior purchase or the membership fee and thus unable to honor their promotion. The promotion was unclear and falsely advertised from the beginning. Ive been a good standing customer to both Barclay and XXXX XXXX. I should have been given the promotion as offered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
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: I am a Banana Republic credit card holder. I am disputing the total amount of {$190.00}. I made a hotel reservation for XXXX XXXX XXXX in XXXX, WI, through XXXX on XX/XX/XXXX, for two nights for {$190.00} using my Banana Republic credit card. When I arrived at the hotel, I was informed of an issue with XXXX credit card ; therefore, the hotel could not check me in. I called XXXX to tell them of the issues. I was instructed by XXXX customer representative on the phone to cancel the booking for a full refund from XXXX and to book directly through the hotel since she did not have the authorization to clear their credit card issue that evening. I was told it would take 24 hours before the issue could be cleared. As a result, I canceled the booking with XXXX and booked one night directly with the hotel ( XXXX XXXX XXXX charged me on XXXX XXXX for {$120.00} ). However, after the event, XXXX only refunded me half of the price I paid for the booking ( {$99.00} ). When I called them requesting a full refund, I was informed that they could not refund me the total amount because the hotel did not cancel my reservation. I submitted the hotel 's documentation showing that my reservation was canceled, yet they still would not refund me my total amount. As a result, I disputed the charges with my credit card. When I called my credit card on XX/XX/XXXX, to dispute the charges, I was informed that I should only dispute {$95.00} since I was already refunded the {$99.00}, for a total of {$190.00}. After going through the credit card dispute process, they failed to refund me the disputed amount ( {$95.00} ). When I called again, they informed me to write an appeal letter to reopen the case. I sent the letter on XXXX XXXX, XXXX, and have not received a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Somebody took a credit card out in my name ( Barclays ). I did not sign up for this card. I put a freeze on it but I can not cancel the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
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: A {$200.00} fraudulent charge was placed on my Barclays Mastercard account @ a XXXX XXXX on XX/XX/2023 in a city and store I've never been to. I was notified by text message " Free Fraud Alert '' that a {$200.00} fraudulent charge was placed on my account. I immediately notified Barclays to confirm the charge was fraudulent. On XX/XX/2023 I received a letter from Barclays stating that they reviewed the charge and changed their minds and put the fraudulent charge back on my account. I called Barclays back and disputed the charge to no avail. I sent several fax documents to Barclays with proof of Barclays original fraud notification text that they sent me and the police report I filed. They have ignored my faxed documents and will not give me an email or phone number to dispute the charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80526
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have been in touch on several occasions with Barclay / Advantage Aviator credit card customer service by phone. I attempted also to chat with someone but there was no reply. I am now sending in writing the same complaint : There is an error in a balance transfer from my XXXX account. You will see two balance transfers : one for {$6500.00} and another for {$5800.00}, both are showing as XX/XX/2023. There should have been only ONE balance transfer, not two. The first transfer took my other credit card to a zero balance. The second took it to a negative {$5800.00}. This occurred because when I created an online account, the balance transfer was NOT showing, so I entered it again. When I spoke with on of many Barclay representatives over two months, I learned the issue apparently was handed over to another Barclay representative with an Incident number : XXXX. I have had NO contact with this person, only the representatives at the customer service number, who apparently are not able to do anything to rectify the situation. One of the representatives told me the correction would take place within one to two billing cycles. That has not happened as we approach the third billing cycle. Because there has been no action in more than two months, I am reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and to XXXX XXXX, so that they have information on how poorly their partner Barclay treats customers. So that you understand, I am paying interest on a false balance and my credit has been negatively affected. Barclay had the audacity to email me this week stating thwt my credit score had changed. It is because of Barclays error. I am getting NO COOPERATION whatsoever from Barclay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I currently hold a AAdvantage Aviator Red World Elite Mastercard from BarclayCard US. One of the benefits of this card is a {$25.00} wifi credit that renews every year you hold the card as shown on the website here XXXX XXXX XXXX XXXX and the terms and conditions attached via PDF : See Section on Anniversary {$25.00} Wi-Fi Credit. As shown in the attached screenshot of my online account, this credit has not been posted against the XXXX XXXX wifi charge posted on XXXX, XXXX, XXXX ( receipt from AA through XXXX attached ). I called today XX/XX/2023, allowing the 4 week period in the terms to pass as well as another approximately two week grace period. The representatives lied to me multiple times and kept transferring me to unrelated departments or telling me to contact AA even though Barclays is the one advertising this benefit. After an hour on the phone and talking to 4 different representatives with no solution, I am submitting this complaint,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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 of XXXX, my account had been paid in full. In XXXX and XXXXXXXX XXXX XXXXXXXX, there had been fraudulent charges on my account. I didn't notice these until XXXXXXXX XXXX XXXXXXXX when I received a statement, claiming I had a balance past due. From XX/XX/XXXX to XXXX of XXXX, I had once or twice a week to report and resolve the charges. I had closed my account, and reported all charges, which were incorrectly flagged on their end. I continued to received notices of late payments and interest being charged to the account. There is currently a {$330.00} balance on my account consisting of late fees and interest from the fraudulent charges, that is still showing as 'Unresolved. ' I was instructed by Barclays to not make a payment, as they would resolve the fraudulent activity and all fees associated with it. I've asked for communication in writing, and Barclays refuses and says that is not possible. My account is closed, yet I have collections still reaching out to pay the balance, and it still shows up on my credit report, claiming that I am delinquent on this account. I've never missed a payment or been late on anything tied to my name, so it is beyond frustrating that I am still in a position of needing to fight for this to be resolved. It impacts my power as a renter when looking for a new home, or power to be able to open additional accounts in my name, yet I'm constantly reassured by Barclays that this is being worked out, however, is still unresolved all this time after initially reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A