Date Received: 2023-03-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I was making an online purchase at XXXX. During checkout I received a promotional offer to apply for a XXXX XXXX from Barclays Bank, and use it for this first purchase and receive 30 % off my purchase. I was immediately redirected to the Barclays XXXX site to apply. I received instant approval and was returned to the XXXX XXXXXXXX site to complete my order. The new XXXX was now showing as a payment option and I selected it to complete my purchase. It even showed below it that my savings by using this card for my purchase of {$100.00} would be {$32.00} for a new total of {$76.00}. I did not receive the promotional discount. I called Barclays on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, speaking to managers each time. I was repeatedly assured that it would be resolved and I would get a callback. I never received any call, and the reason was different with each person I spoke to. No one seemed to have any knowledge of the promotions being offered and it was very obvious that I was speaking to a foreign call center. The customer service I received was awful and I got no help at all resolving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a credit card with Barclays bank. It was charged off in XXXX with a balance of {$2000.00}. I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. I reached out to Office of the presidents, Barclays for resolution but there is no resolution after two weeks of initiating a complaint with them. If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I attended a XXXX timeshare presentation at XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/2022. The sales agent was XXXX XXXX. I am a single mom with XXXX children. My XXXX youngest kids, then ages XXXX, XXXX and XXXX, went to the presentation with me. The manager gave me amounts for loan payments to buy XXXX points, which he said would allow us a one-week vacation every year. I told him that the payments were too high. He asked me what the amount was that I could afford. He got the payments down to {$70.00} a month. I bought XXXX XXXX XXXX points for {$20000.00}. The down payment was {$14000.00}. This was paid with a XXXX XXXX credit card issued when I was there. A XXXX credit card I was not aware of was also opened. I learned about the XXXX credit card when I checked my credit report. The amount financed through XXXX was {$6100.00}. The monthly loan payment to XXXX is {$100.00} per month. Due to the deception, especially about the buyback program, which is nonexistent, I did not make any loan payments and only made a few XXXX credit card payments. The manager told me that maintenance fees would be {$90.00} a month. However, to help me out, he said he would gift me XXXX bonus points that he said would cover maintenance fees for up to XXXX XXXX XXXX years as XXXX would redeem the bonus points to offset maintenance fees. I was worried about being able to afford the timeshare, considering I am a single mom with XXXX kids. I asked XXXX what would happen if I couldnt afford this. He said there is an option to sell the timeshare back to XXXX at the price that I would be paying for it. I didnt really understand timeshare, so I called my sister who travels extensively using her timeshare. I had her talk to XXXX. He told her the same thing he told me, that if at any time I realized it was too much of a purchase, I could call XXXX and they would purchase the timeshare back through their buyback program. The reason I did not review the contract right away, to catch the lies told to me about the payment amount and offsetting maintenance fees for XXXX or XXXX years, was because the night that I bought the points, I tested positive for XXXX and drove home the next day. All three of my children came down with XXXX. When I got the first bills in the mail in XXXX, it was {$100.00} for the loan payment, not the {$70.00} per month we discussed. There also was a bill for maintenance fees for about the same amount. I called XXXX to ask about using the bonus points to pay the maintenance fees. They told me that bonus points can not be used for maintenance fees. I told them I couldnt afford this since I was lied to, and that I needed to proceed with the buyback program. They kept transferring me to other people. Most of the representatives I spoke with told me that XXXX doesnt have a buyback program. I talked to one rep who told me that people get home from vacation and change their minds all the time so canceling would be an easy process. I then got to a department and asked for a manager. The manager stated that she could help me and filed a case for a misrepresentation and my request to cancel. Before I could get a reference number, our call got disconnected. I called back and the rep talked to the manager who told her that she told me that there was nothing that she could do and that I didnt qualify for any of their programs. Ive also been told by reps to either get a lawyer or to go through real estate companies to sell my timeshare. I have learned you cant sell a timeshare with a loan outstanding. The manager promised my sister a week but they did not provide it. My credit score has dropped to XXXX. I dont understand how XXXX can allow sales agents and manager to deliberately harm any family, but to do this to a single mother is even worse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I made two {$56.00} purchases from XXXX XXXX, which qualify for a travel credit on my Barclay XXXX XXXX ending in XXXX. I was unable to claim the travel credit online, I asked Barclay for help, they sent me an email saying only Airline charges qualify. I called their customer support and asked them to fix the problem so I could receive my travel credits for the two {$56.00} charges, and they refused. They actually told me to call XXXX XXXX to solve my reward problem with Barclay!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Cant believe having this XXXX Barclay CC for over a year and trying to ask for a simple CC increase is very hard. A+ credit tier with a score of XXXX with establish credit since 1994 and over $ XXXX in limits. XXXX is still needs to pull my credit. Sad business!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Barclays XXXX XXXX had a {$200.00} welcome bonus promotion if you spend {$500.00} within 90 Days which I did and have proof on their online account.In small print it stated it will take 4-6 weeks once the bonus was issued, I was issue the bonus on XX/XX/31, it has been 7-8 weeks already, I called several times to speak to a rep about when the bonus would be issue but was always directed away without help ( reps I believe are from XXXX, hard to understand them ) They seem to brush me aside.I have all proof online on my account if needed.I believe this is a fraud activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on the account XX/XX/22. Barclays put a 8 day hold on the payment and refuse to remove it. It was applied without notice. They are tying up {$800.00} of my money I can not use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt from Barclays Card is result of identity theft. I have sent ID theft affidavit, police report, my identification, and Barclays statement of fraud to Barclays on 10 occasions to the address listed on the Barclays Statement of Fraud form. Barclays ignored these communications and willfully violated the law. Barclays has failed to stop furnishing the information to the CRA 's as required by FCRA. Barclays then sold the debt to XXXX XXXX XXXX, a debt collector licensed in the state of New York. XXXX XXXX XXXX sent the required notice of debt on XX/XX/XXXX to an address I have not resided at since XXXX. This is because Barclays continues to use the identity theft information on file and they provided that wrong address to XXXX XXXX when they sold the debt to them. This notice was forwarded to my current address. I responded to the notice from XXXX XXXX XXXX via certified mail on XX/XX/XXXX to their XXXX XXXX Address listed on the notice. XXXX XXXX received the certified mail on XX/XX/XXXX and signed for the certified mail. They did indeed receive my dispute of the debt and the correspondence I included with that showing the identity theft affidavit, police report, copies of communications sent to Barclays, Notice to furnishers of information and my proper photo ID. I also emailed this same information to XXXX XXXX XXXX on XX/XX/XXXX to the address listed on XXXX website. I have included a screenshot that shows the email address XXXX is listed on their website and that " consumers may send disputes directly to this email. '' XXXX XXXX XXXX XXXX never responded to my identity theft dispute that was sent certified mail nor did they reply to my email of dispute sent to XXXX. The FDCPA states that when a consumer disputes a debt, collection activity and measures must stop until the dispute is resolved. XXXX violated the FDCPA when they ignored my mailed dispute and emailed dispute and continued to contact me about this debt. I am a victim of identity theft. They have been provided the proper proof required under consumer protection laws and should not be contacting me. They need to return the debt back to Barclays since it never should have been sold to them in the first place. XXXX again called me on XX/XX/XXXX on my work number of XXXX and forced me to verify the last 4 of my social and proceeded to tell me I owed XXXX plus dollars to them and they are collecting a debt. I hung up on them as they should not be contacting my work phone number. They also should not be contacting me at all since this is disputed under the identity theft provision of the law. I then contacted XXXX myself on XX/XX/XXXX and asked for an email address for a supervisor. The representative I spoke to provided me the email of XXXX and XXXX. I emailed my dispute for a second time on XX/XX/XXXX since they never replied to the original email or certified mail on XX/XX/XXXX. This second email was sent to : XXXX and XXXX and XXXX. I asked that they reply with confirmation that they have received my dispute and again no response. They are in direct violation of the FCRA and FDCPA. They contacted me after I had filed a dispute with them. They fail to recognize my identity theft claim. They fail to return the file to Barclays. They contacted me on my employment number on XX/XX/XXXX of XXXX even after I asked them to only contact me via XXXX mail or email in my dispute letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Re : XXXX XXXX XXXX ( Primary Card Holder ) XXXX XXXX XXXX XXXX Barclays Bank Credit Card Division Card # XXXX We are Barclays Bank XXXX Credit Card holders. We have had the card for several years. On XX/XX/2023 we made a payment of {$150.00} on the Card. On XX/XX/XXXX we became aware through our bank- XXXX XXXX, that Barclays removed the funds from our bank. However- Barclays did not apply the payment of of {$150.00} to our account and withheld the available credit that the payment should have produced and indicated that the available credit that the payment should have produced - would not be forthcoming until XX/XX/XXXX. Upon knowledge and belief- Barclays has placed our {$150.00} into an interest bearing account along with thousands of other credit card holders while at the same time depriving us of access to our funds in the form of available credit. Besides denying us excess to our funds. In addition, this conduct also adversely impacts on both of our Credit Reports by artificially showing a lack of available credit- which is a key component of determining both the Vantage and overall Credit Score. In addition- Barclays conduct may also constitute Fraud under FTC regulations. Efforts to resolve this matter directly through Barclays. On two occasions on XX/XX/2023 - we spoke on the telephone with Barclays call line and related our concerns to both call center representatives- including two account supervisors ( XXXX was one ) their response- in the case of XXXX XXXX he hung up the phone on us. We fully intend to pursue the matter through the courts and will be filing a Federal Lawsuit in the XXXX North Carolina XXXX XXXX under provisions of the Fair Credit Reporting Act. In addition- we also intend to file a complaint with the North Carolina Attorney Generals Office of Consumer Affairs XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hi, I opened an Old Navy Credit card with Barclays bank last year. When I got the statement, I noticed a late fee. I called the bank and made the payment for my merchandise in full ( XX/XX/2022 ) and requested that they remove the late fee, which they graciously agreed to. Once they assured me of a zero balance, I also requested they cancel my card and delete the account. This was dine as well. They did mention that I should see zero balance in my next statement as billing takes some time to process it. However the next state I got had a late fee again. So I called immediately. The agent asked me to ignore these and said the waiver is still under process. But I need not worry, once it is processed I should see a zero balance. The next month I got another statement, and this time with more late fees. I called again and got the same response. To ignore. And that is what I did. Today I got a bill for over {$210.00}. My husband called the bank and was told now that there was a {$2.00} residual interest fee slapped on the card AFTER the card was closed and that I did not see. That fee does not get waived. It grows with {$40.00} late fees added to it. Through that loop hole the bank continues to charge you till you pay up. This is a SCAM!!! Pure harassment for us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A