Date Received: 2024-02-08
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 used this card to make purchase on XXXX on XX/XX/XXXX, but that order was unilaterally cancelled by XXXX on XX/XX/XXXX due to suspicious activity, while XXXX still charged me on this card for it. I filed a online dispute with Barclays on this transaction XX/XX/XXXX when I saw the posted charge from the statement. After a few days, I received a phone from Barclays dispute team, but I was only asked to confirm the transaction date, amount, etc. I offered to submit additional information/documentation for this dispute, but Barclays was NOT interested to obtain such info from me, which left me in a such WEAK position into this dispute versus XXXX. On XXXX XXXX XXXX Barclays sent me a letter about the denial decision of dispute. Inside this letter, Barclays did not explain any reasoning of such denial but just included the rebuttal from XXXX. The whole rebuttal point is that XXXX has a SIGNED proof of delivery and XXXX shipped the order on XXXX XXXX XXXX Based the rebuttal information, I file a disputer re-opening with my additional information ( which I was NEVER having any chance to submit ) to such rebuttal, which include the original DATED order email, DATED XXXX official cancellation Email, and my XXXX order history showing such order completely removed/cancelled. HOWEVER, my disputed was denied again on XX/XX/XXXX. I called Barclays on XXXX XXXX XXXX I was told the reason why I first dispute reopening was denied is because I failed to provide the description of the merchandise. First, such information was never explicitly required in the first time letter of denial ; Second, Barclays never tried to contact me for such information after I reopened the dispute ; Third, I DID provide the original XXXX order ( which was cancelled by XXXX ), that has such information within. Barclays Billing Dispute back-team person/supervisor is VERY unprofessional in handling my dispute, they never looked at my dispute statement carefully, and they never communicated to me for any information related to this dispute, AND they used the reason " I failed to provide description of merchandise '' to deny my dispute. This is LYING
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I want this inquiry to be deleted from my credit report. I did not authorize Barclay Bank to run my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27909
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included Barclays privacy policy which clearly states Barclays does not share to NON AFFILIATES. XXXX, XXXX and XXXX XXXX are NON AFFILIATES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is regarding a Barclays Bank credit card. On XX/XX/2023 I made a charge of {$21.00} on this credit card that I rarely used. I made this small charge to keep the account active as I know some companies will reduce the credit limit or close inactive accounts. My account was set online for paperless, and I expected to receive statements via email. I did not receive any statements or late notices, so I did not know to pay the {$21.00} balance. I finally was made aware of this balance when I received an alert from XXXX. At that time I paid the balance in full immediately. At this point I searched my email folders ( In-box, Junk, Spam and Trash ) for Barclay Barclays and Barclaycard and found no statements. I also confirmed that my email address was correct at my online account. Again I received no late notices via email or postal mail. As a result of Barclays late payment reporting to all 3 credit bureaus my credit score dropped significantly. Attached is a FICO graph from Barclays that shows a drop of XXXX points within 2 months due to this late payment of a small balance of {$21.00}. I took pride in my high credit score of 800 + and I always pay my bills on time when I know about them. There was a failure in Barclays system as they didnt send me statements or late notices. This is considered negligence. The damage they caused to my credit score will cost me thousands of dollars in higher interest rates for new credit accounts and mortgages. I wrote two letters to Barclays about this issue on XX/XX/2023 and XX/XX/2023 and their response was that their credit reporting was correct, however, they refused to respond to their negligence of not sending me statements or late notices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXXXXXX I paid Barclay Card for a credit card I had with the back in XXXX this was a charged off closed account. I paid them {$1100.00}. I asked them for a receipt proof of payment. The agents I spoke with refused to provide proof, and told me if you see the money is not in your account that's your proof that Barclay took your money. The agents were very rude and unprofessional. I filed a complaint against Barclay with the FDIC Ref. No. : XXXX Re : Barclays Bank Delaware. And I was told it was forwarded to this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had closed my account ( Barlcay XXXX ) some months ago. I set up autopayments for I think the XXXX of the month. The payments were done on a regular basis until XXXX, XXXX. They were stopped. I did not find out until I was informed by email that I was behind. I have tried on multiple occasions to find out. I have tried to sign into my account which I could do until XXXX, XXXX. I am now told that the payment plan only runs for 12 months. I was told recently that when I closed the account I could sign in for only 6 months. I was never told this. I am one payment behind. Two payments are due tomorrow. I have not seen what is happening on the account since XXXX, XXXX. I have made multiple attempts to sign in or working with customer service to find out what is happening with my account. I was told that I would receive a statement via mail last week. I have not received it. I was told today if I do not make at least one month 's payment tomorrow that the account will be in default. The woman 's ID is XXXX. I told her that I will make a payment for one month tomorrow. I was told that the account will not enter default if I do. XXXX Bank has been very deceptive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Barclays Presidents Office Team, On XX/XX/XXXX XXXX filed a fraud claim on XXXX {$100.00} for CCbill that I did not make. On XX/XX/XXXX I received a letter from fraud department stating that I had extensive history with merchant. I then called back and reopened the claim due to the fact that these transactions were not done by me or anybody I know. I also did not have a pattern of spending multiple {$100.00} in one day. I also reached out to merchant about the situation. The agent I spoke to reopened the claim and gave me the claim number XXXX. I also faxed supporting documentation to the fax number provided XXXX the same day. Today I called to get an update on the claim and was told by agent XXXX XXXX who also referred to me as a miss and told me that I had a womans voice ) that my claim was sent to billing disputes. He then gave me a different number to call. When I called billing disputes the lady who also referred to me as miss stated that the claim is still open and that they did not receive any documentation from me. I let her know that it was faxed 3 weeks ago. She told me to call fraud department. I let her know that I would be filing a complaint. Two things that need to be addressed : 1 ) Agents in the XXXX do clearly have gender identity issue, all of them were referring to me as a female, instead of just calling me by name 2 ) Fraud case that is actually fraud, ended up in billing disputes, while I already explained that I had nothing to do with those multiple {$100.00} transactions. It should not be part of the billing disputes. I see some of the transactions were refunded by the merchant but not all of them that were claimed as fraud. I believe they refunded {$500.00} out {$800.00} claim Please assist me with resolving this matter that has been worked on since XX/XX/XXXX but also address the agents. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to Barclays card on XX/XX/XXXX, the payment went through and they charged the payment from my bank account ( XXXX XXXX ), days later Barclays claimed that the payment was returned by insufficient funds but the money was taken from my bank account and never returned. I called Barclays and they said they never received it. So I called my bank and file a claim for the {$500.00} now Barclays is charging me {$500.00} and said that I didnt agree with the payment when they said they never received the money! I have spend like XXXX hours in the phone and non of the Barclays representative had a response for me! BARCLAYS US worst bank in the us!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have been trying to close my arrival + Barclay credit card for the past two days. When i call their office i am passed around to different people who say they are having issues canceling my card. It appears that they are having a system issue that is not allowing accounts to be closed. This system issue has been going on for days according to someone i spoke with at the company. They do not know when the issue will be resolved and when i will be able to close my account. They have requested that i call them back in another 24/48 hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: To give you some context and brief backstory. XXXX XXXX XXXX credit card was around previous XX/XX/2023 sold and taken over by Barclays Bank. I have TWICE had this issue of making a payment over the phone with a CONFIRMATION CODE given and bank clearance only to have my payment NOT clear on their end giving this last time of lying claiming the inadvertent account number which with voice confirmation as well as it CLEARING my bank. I am a responsible RN for 20 years without interruption. And Barclays send a letter 11 days later with zero calls texts emails and charges me late fees and erroneous 30 days late fee on my credit. I spoke AGAIN WHERE I KNOW my voice is call is documented and recorded that after again a confirmation number given which they do not give UNTIL PAYMENT clears over the phone and frankly lied to. This is egregious business practice. My credit lowered almost XXXX points from their errors. This is habitually ONLY happens with Barclays and in the infancy of this business relationship. I have ALWAYS paid on time and take this very seriously. I spoke again XXXX and paid to get my account current and told to send their legal department information I am sending you folks with no avail. I have all supporting documentation clearing showing the payment and subsequent errors by Barclays Bank cc. I find this amazing and tedious and want THIS REMOVED IMMEDIATELY immediately and if not removed within XXXX business will have my lawyer help and escalate. I am a hard working high tax paying XXXX lady saving lives on a daily basis never asking for anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A