Date Received: 2023-03-22
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 XXXX XXXX, I canceled a subscription to XXXX XXXX. I received notification that my subscription will expire on XXXX XXXX. Therefore, I was quite shocked when I logged onto my credit card account and found a charge for a service that has been confirmed is canceled. I even tried to log onto the service to see if maybe they forgot to cancel me despite the email, but I was not able to logon because I do not have a subscription. Therefore I called Barclay cards. That is who the charge was with, and I figured that they would very easily remove the dispute a charge, since I had proof that I had canceled it, and received a verification. What ensued was so awful, and still unresolved, and it leads to a terrible problem with the company itself. First of all, they want consumers to carry the balance of the dispute a charge for 15 days before they dispute it. There is nothing that's going to change between now and 15 days except that I have to remember to come back and do it. I should not be required to carry a false balance on my account when I never carry a balance, all because they don't want to do their job. Over the course of the next hour and a half or so, I was forced to call Barclay, no fewer than five times, where I spoke with up to seven or eight different agents, all of whom claimed they could not see my previous call. I was forced to both tell a bot my verification information, then repeat it again five minutes later. One agent was in a call center or at home on speakerphone, I'm not sure, but it was so loud that when I asked her to speak to a supervisor, or to somehow help my complaint, and was obviously frustrated, she responded " Ma'am, we do not tolerate profanity. '' I was stunne because I had not used any profanity. But the quality of phone calls was so poor that she couldn't understand some of the words I was saying. I should note that I do not use profanity at all, and I had not even muttered a word as benign as darn, let alone used any profane words. When I protested, she seem to believe me, and realize it had been her mistake, but the fact that it even had to go that far is indicative of the innate problems with this company. They are making it almost impossible to dispute a charge, without a great length of time passing, in which some customers would probably forget that it was there. I tend to pay my balances on a regular basis, so because of that, it looks like I might be paying this balance over the next 15 days and therefore, I'm not disputing it. They need to not only remove this charge from my card, and except the written proof that I have, which no channels even gave me to offer them, and they need to make the dispute process, simple and streamline for all customers. Unfortunately, I have had to dispute charges with other credit issuers, often for similar reasons such as a recurring auto charge after cancellation. NO OTHER ISSUER makes a consumer carry a balance for 15 days first! All cards will open an investigation the day the false charge posts. Barclay encourages high balances ( which I never carry ) and has almost 30 % interest rates! I am sure they hope I will forget I have been ripped off. No agent was empowered to help. One hung up accidentally, and a supervisor purposely put me on a long silent hold just to make me wait. I hung up, called and applied with a different card issuer for a different awards card, and will be canceling this as a result. However, these unethical actions must STOP. Further, the false charge is still on my account! They are predators who do not practice ethics, and this is not acceptable. I demand the charges be removed and I will not be calling them again -- except to cancel my card!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my report : BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclays sent a random physical letter ( this was their only form of communication ) while I was traveling and out of town requesting I verify my identity within 30 days or they will close my account permanently with no chance of reopening. I check the mail when I return from traveling and find the letter after they closed my account. I then called over five times requesting to reopen my account and was denied every time, even though I have a perfect payment history for over 7 years, it makes absolutely no sense at all. I did nothing wrong and they don't email their customers, they don't provide updates in their app or on their website, and they do not call for their customers for this, all of which I confirmed in an audio recording with a supervisor the last time I called. I want my account reopened, this is one of the reasons the CFPB exists, it is the definition of unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card from Barclays Bank and have maintained this account in good standing since XXXX. However, entirely because of Barclays repeated failure to follow its stated policies and stand behind what its representative assured me by phone would happen, I have been charged {$59.00} in fees plus interest of {$47.00}. Twice, I wrote to the company with the details, and both times the response has been a form letter essentially suggesting that nobody cares. On XX/XX/XXXX, I mailed a check for {$5200.00} to Barclays which more than covered my balance, due 13 days later, on XX/XX/XXXX. On XX/XX/XXXX, Barclays received my check. Barclays did not present the check to my bank. Barclays did not credit the payment to my account. Barclays did not give its own relationship managers any way to know that it had received this check. On XX/XX/XXXX when I noticed my payment was not credited, I called and talked to Barclays Relationship Manager XXXX. He advised me to stop payment on my check, which apparently had been lost in the mail. He told me that if the check somehow were presented to my bank and returned, Barclays would waive any fee for that. On XX/XX/XXXX, I still had no way to know that 16 days earlier, Barclays had received my check. I determined that it had not been presented to my bank, and I instructed my bank to stop payment. This is what Barclays had instructed me to do, and XXXX charged me {$30.00}. Later that same day, I spoke to another Barclays Relationship XXXX, XXXX, who told me the check had been credited to my account the previous day. She also told me that Barclays had begun trying to verify the check on XX/XX/XXXX. On XX/XX/XXXX, I wrote a detailed letter to Barclays following the instructions for doing so that are printed every month on my statement. In return I received a form letter stating : We are currently unable to complete your request. The letter instructed me to call customer service. I did so and spoke with still another Barclays Relationship Manager who told me the {$29.00} returned payment fee was valid and could not be waived. On XX/XX/XXXX, Barclays charged my account {$47.00} for interest charge on purchases even though my account had been fully current since XX/XX/XXXX. ( One month earlier, on XX/XX/XXXX, Barclays charged me {$130.00} interest. Later, without any explanation, Barclays reversed that charge. ) I have tried to resolve this by letter and by telephone, without success. The problem was entirely caused by Barclays, not by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XXXX, 2022 my bank account infrmation was hacked from outside the XXXX and XXXX Fl . I had several debits from my checking account and my 2 bank cards hacked and maxed out, I had to report this the the police, IRS, and all credit agencies immediately. I did and it was a long process to have the accounts closed and then my bank account reissue me a new ID and replace my funds ( close to {$30000.00} ). The XXXX fixed the problem after months of investigation and time. I immediately called Barclay 's Old Navy card to cancel, inform them that I would be able to send a check ( no online accounts or IDs available ) as soon as I get a checking account set up ) and I DID IMMEDIATELY!!! I explained the issue, told them to give me the balance ( {$410.00} without penalty ) and I sent the check out XX/XX/2022. I spoke to them and they did not record the call??? Don't belive them. I then still got billed and added fees sent. I called several times. I sent a letter stating all this again. I sent copies from the IRS and police reports of the fraud from the bank and investigation. I was told that a manager had to call me and that they could credit all but {$40.00}. This was NOT done. I called and spoke to a very rude woman last call and she read the back of the credit card statement and said she cant help. I can not log into the card on line as I cut the card and dont have the 16 digit card #. The Barclay 's staff members are just rude and nasty. I do not feel I should pay for having my identity stolen and having my accounts frozen because of ir. I dont feel I shoud be punished. The items I purchased were paid for and no $ $ remains due to purchases only late fees and interest on late fees ( no items ). I cant rightfully pay them and feel I was the victim here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12590
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I submitted a complaint against Barclays Bank for withdrawing funds from my account to pay for my wifes debt, which Barclays said I was not responsible for. They promptly responded by phone and followed up with a letter on XX/XX/2023, in which they said, After a thorough investigation, we can proceed with the refund of all payments posted to the account after your wifes passing upon proof of payment for all twenty-one payments along with a copy of Power of Attorney documents. My wife passed away suddenly, and she did not have a power of attorney. I have now spoken with, and explained that there is no POA, but I have my late wifes will, and death certificate to three different people. Each time Barclays responds, I get a different representative, and each time they said they would have to submit the information to their superiors to see what they are going to do. They have already admitted that they owe me the money ( {$10000.00} ) and agreed that they owe me the money. But now it appears that they are simply running me around, perhaps hoping I will just go away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
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 made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX. - on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds. - on XX/XX/2022 I faxed a letter to I made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX. - on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds. - on XX/XX/2022 I faxed a letter to Barclays AAdvantage Mastercard credit card with corresponding documentation on explanation letter - Barclays AAdvantage Mastercard first declined the reimbursement with excuse that I had payed the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was payed before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase. credit card with corresponding documentation on explanation letter - Barclays XXXXvantage Mastercard first declined the reimbursement with excuse that I had paid the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was paid before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for, I always pay my statements in full in order to avoid interest and late charges - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I sent a payment of XXXX to Barclays Bank Miles and More Master Card it was taken from my XXXX checking account but never credited to my Barclays account. Despite sending proof of withdrawal from XXXX along a with custom letter from XXXX XXXX with tracking number. Barclays bank refuses to acknowledge payment I have made four phone calls to customer representatives and service managers sent two letters showing proof of withdrawal from XXXX and it is now three months with no response by letter I am told to call but when I call, I get the same run around and no action despite having verifiable proof, the representatives have no direct phone line, no email and refuse to accept any common sense solution. other then to tell me mail everything in and customer service will look into it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my credit report, I had a hard inquiry from Barclays Bank DE as of XX/XX/2023. I contacted the bank by phone and sent a letter by fax on XX/XX/2023 to notify them that I had not applied for or opened any accounts/credit cards at their bank. I told them this was fraud and identity theft. They said an application for a credit card had been submitted but they would remove the application and mark it as fraud. I have not received a letter from them confirming this. They told me I would have to work with the credit bureaus to get the hard inquiry removed from my credit report. I told them that they had to fix this error due to it being fraud. To date, I still have not received a letter from them confirming that the application was removed and that they would provide an update to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have contact this credit card in the past, I am thinking XXXX, asking to see if they would decrease my APR % and they declined my request. In XX/XX/XXXX, I contacted them again for the same request and again declined. Each time I requested to talk to a manager, was told a manager is not available at the time but will have them contact you in the next 24 hours. Both times they failed to call me. I have been an on time customer and have paid this card off a couple of times. And they are not willing to help me. But they will increase your spend amount without you approving. My other credit card from a different company lowered my APR % with no problem. Barclays doesn't care to help their good status customers. Once this card is paid off, I am done with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A