Date Received: 2023-03-31
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Dear CFPB, Thank you for taking your time to review my message below and do all that you can to help me solve this terrible experience. On XX/XX/XXXX, my wife and were taking a flight home via JetBlue, and per usual we were being hassled into applying for their card. After many attempts to decline the offer, the representative remained predatorily persistent, stating that the card would offer amazing benefits like 15-months XXXX percent intro on purchases & balance transfers, JetBlue miles etc. We decided to apply and got approved. After receiving my card in the mail, on or around XX/XX/XXXX, I called the customer service number to confirm that my zero percent APR on purchases was valid. The Barclays representative confirmed that this was true, so I proceeded with adding my checking account for auto-pay for peace of mind. I went ahead and started spending on my card, with the confirmation and intention that I wont have to pay any interest for the next 15-months. When I reviewed my statements on or around XX/XX/XXXX, I noticed I was being charged 20+ % interest. I reached out to Barclays immediately, after being transferred back and forth no one was able to assist me nor took ownership of their error. The rep mentioned they would have a manager call me back and no one did. I called back several times, again same story, the rep mentions a manager will call back yet no one did. Finally, on XX/XX/XXXX I got a hold of a manager who suggested I write to the office of the XXXX XXXX XXXX, Delaware. I wrote them a letter stating the wrongful interest on my account. On XX/XX/XXXX I received a voicemail from Barclays acknowledging that they received my letter and were reviewing my account. Until today I have not received any response and the wrongful interest keeps accruing on my account. I have made several more attempts to reach out and its the same circle of a manager will call you back and no one ever does. Barclays has handled this ignorantly and unprofessionally. This is a terrible experience, I have good credit, I've never missed a payment, and all I want to do is pay-down my card in full less the wrongful interest. We are struggling as a household, my wife just got fired from her job because she requested a XXXX XXXX. I'm the only bread-winner in the household and our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I really need your help here, I don't know where else to go. I don't want to ruin my credit that I've worked so hard for and default on this card. Thank you for your help in advance. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
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: XXXX XXXX card - A convenience check was fraudulently used on my account on XX/XX/XXXX in the amount of {$1500.00}. Also on XX/XX/XXXX XXXX XXXX master card fraudulently charged on my account {$60.00} as a transfer fee. My account did not have a balance at the time of these fraudulent charges. On XX/XX/XXXX I was notified I had a payment past due on the account. Prior to these fraudulent charges my balance was XXXX {$0.00}. XXXX XXXX charged me a late fee for not making a payment on these fraudulent charges in the amount of {$29.00}. On XX/XX/XXXX they also put a minimum charge of XXXX on my account for nothing. I have not used this credit card. XXXX XXXX has credited back the {$1500.00} but refuses to credit the balance transfer fee of {$60.00} and the late payment fee of {$29.00}, both of which are due to the fraudulent charge of {$1500.00} as well as a charge for XXXX XXXX ( XXXX ), listed as a minimum charge, I don't know what this minimum charge is for. I have not used this credit card wince XXXX XXXX XXXXXXXX. XXXX airlines calls me and harrasses me more than 5 times every single day to tell me that I am past due and I need to make a payment for these fraudulent charges. I want XXXX airlines to credit back all of the charges made on my account that are associated with these fraudulent charges as well as the XXXX XXXX they charged on my card as a minimum charge. After they have done that I want this account closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I first learned my ID was stolen on XX/XX/2023 when I found out there was an electronic withdrawal from my checking account to fund an XXXX account. I immediately contacted my bank and XXXX. I requested my bank to close the checking account and notified them the withdrawal was not authorized my me and it could be a fraud. I also spoke with XXXX and they were able to close the account and no money was transferred. I then received calls from XXXX XXXX XXXX and XXXX about some unusual activities ( some {$4000.00} purchases were made with some new accounts ) and asked to verify. I told them that these are fraudulent accounts opened without my knowledge and consent. They took the action to deny these charges and closed the accounts. A few days later I noticed in my credit report there was a charge of {$330.00} came under Barclays Bank Old Navy credit card which is fraudulent. I contacted Barclays Bank and notified them in writing the account was not authorized by me and they started an investigation. A couple of weeks later they sent a letter and said they completed the investigation and the account is valid. I then received a bill from Barclays Bank charging {$330.00} plus {$37.00} late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I attended a presentation by XXXX XXXX in XXXX of XXXX. At that presentation my partner and I signed up for a trial program, and were told we would be paying $ XXXX and provided bank account information for those payments. Months later I received an email from XXXX XXXX that my Barclays Credit card was delinquent, and after investigating I realized that I was signed up for a credit card without my knowledge and it was charged {$2000.00} as a down payment for the trial. The only paperwork I recall signing at the time was for the $ XXXX trial, and the predatory nature of their presentation lead me to not having knowledge of the account or the correct information to make payments. I connected with Barclays in XXXX of XXXX and was able to trace this card back to XXXX, but even after gaining access and bringing the account up to date they were not willing to delete any delinquency reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Here is the letter I sent to Barclays regarding this problem : Ever since I signed up for the AAdvantage Aviator credit card in XX/XX/, its been nothing but a nightmare. I have never received an online invoice from Barclays for my account ending in XXXX, which has resulted in numerous and costly late fees. Recently I received a letter from Barclays indicating both my credit line and my credit score had been reduced due to late payments. When I called Barclays to investigate this problem, I was told that I had a XXXX ( {$0.00} ) balance at the end of XXXX XXXX but that there was a subsequent {$10.00} purchase on XX/XX/. The charge appears to be from XXXX XXXX with no indication of what it was for. I do not recognize this charge nor has Barclays been able to identify what it was for. Because I never received an invoice from you, I was not aware of this charge for a purchase I never made and believed there was no outstanding balance on the account. Unbeknownst to me, my account began accumulating substantial late fees that now total {$72.00}. Without this charge the account wouldnt incurred no late charges, interest or fees. I have placed this charge in dispute ( see below ). Last week, my husband XXXX XXXX made several attempts to rectify this situation by phone. With my authorization, he first spoke with an agent who understood the issue but lacked authorization to correct the problem. This agent scheduled a call back from a manager who would have the proper permission. The manager left a message. When my husband returned the call, he spoke agent ID # XXXX and was told that he was no longer authorized ( despite this being the same day as he was authorized ) to discuss the issue so she wouldnt speak to him. On my husbands third attempt, he spoke agent ID # LASMCK who said she was authorized to speak to him but refused to do anything about the situation. Consequently, my husband formally put the {$10.00} charge in dispute. Despite that, the letter I received indicates that this charge still hasnt been put into dispute. I expect Barclays to remedy this situation by : 1. Removing the disputed {$10.00} charge from my account. 2. Canceling any and all late fees and interest. Without this charge the account had and would still have a {$0.00} balance. Late fees and interest are inappropriate. 3. Refunding the annual fee of {$99.00} given the excessive amount of time I have spent dealing with this problem. 4. Notifying XXXX XXXX and any other credit bureaus of the error so my credit score is restored. 5. Sending me a formal letter saying that the account is not in arrears and never has been. 6. Canceling my account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
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 2022, I placed an order from a wine merchant in Florida using my mastercard, a credit card issued by Barclays for the amount of {$320.00}. Merchant used XXXX as the shipper for the wine using a XXXX tracking number. Before the order arrived, I've contacted the merchant and told them that I will cancel my order. They accepted my decision and approved the return. The merchant contacted XXXX generating a second tracking number for the wine that was being returned to its origination, XXXX, Florida. The merchandise arrived on XX/XX/2022 by XXXX in XXXX, Florida. The merchant never applied the due credit in the amount of {$320.00}. I then disputed the {$320.00} with the bank explaining to them the history of this merchandise. My case never received the attention it needed to properly resolve the issues and Barclays dropped the case saying that they could not resolve my situation with the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I realized sometime in XXXX that my name had been used to open 2 different credit cards. There was one card at BARCLAYS BANK DELAWARE that had opened in my name on XX/XX/XXXX in XXXX, DE. The second credit card in my name was opened at XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXX, XXXX. I was able to speak to the representatives at XXXX XXXX and get it sorted out to where they were able to close the account once they discovered through an investigation that it had in fact been fraudulent. The XXXX XXXX account had been updated and closed on XX/XX/XXXX. I have never been to either states in my life. When I spoke to the representatives at Barclays Bank Delaware they informed me that there had not been any fraud committed. I inquired originally on XX/XX/XXXX of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am resubmitting a complaint which relates to a previous complaint that was filed ( XXXX ) and closed without any contact with me ( from cfpb ) regarding the resolution of the problem. When my initial complaint was filed regarding my inability to make multiple payments from different accounts, I was contacted by someone from Barclay that stated they would look into the matter. I was in fact able to make multiple payments once again ( only over the phone ) from different accounts for a couple months. Last month, when making payments over the phone I was unable to do so and had to schedule payments over the course of multiple days since they only allow two payments a day. By not being able to pay my balance in full on the due date, it caused me to incur interest charges which I don't feel I am responsible for since their system is not allowing me to pay in full. When this happened previously, Barclay waived the interest fees. I have not spoken to them for the current charges as of yet. Either way, I don't have time to waste every month dealing with this issue. I would appreciate if this problem with making payment can be resolved once and for all. I would also appreciate if the cfpb does not close out a case without speaking to the complainant first.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing this complaint to bring to your attention a serious issue I am facing with Barclays Bank. My complaint is in regards to a reduction in my credit limit that occurred as a result of the company checking my credit report without my authorization. This reduction in credit limit constitutes an adverse action and should require a new application. On XX/XX/2023, I received a letter from Barclays informing me that they checked my credit report and decided to reduce my credit limit. I contacted the company on XX/XX/2023 informing them that they had no right to check my credit report anytime they choose. I also inform them that it was against the law for them to decrease my credit limit without making a counteroffer pursuit to 12 CFR 1002.2. Barclays Bank replied on XX/XX/2023 that they were unable to complete my request. Federal law regulates how consumer credit information can be collected, used, and disseminated. Under this law, a company must obtain written consent from the consumer before accessing their credit report. In my case, Barclays did not obtain my consent, which means that they have violated the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A