Date Received: 2023-03-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have had a credit card with XXXX for several years. I charge several XXXX dollars monthly and pay on time and in full for each billing statement. I am rewarded points and use them at their stores. On XX/XX/XXXX, {$200.00} worth of points were redeemed, NOT by me. When I called XXXX, they told me to call the credit card company, XXXX, who told me to call XXXX. XXXX told me that my account, which I have been using for several years, did not exist and was not in their system. The email address XXXX was used on the store website. The email XXXX was used on the credit card site. I spent approximately XXXX hours on the phone with XXXX to get my points back. Person after person says the same thing, they don't see my account and, therefore, can not retrieve my points. I have been hung up on twice, laughed at, and ignored. XXXX has lost my points, or they have been stolen. I want them back, and I want to make sure any future points that XXXX reward me go to my account. I would also like an apology and compensation from XXXX for how poorly I have been treated. My time is valuable to me ; they have wasted several hours with their error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XXXX XXXX I opened a XXXX rewards card. In XXXX I was sick and couldn't work for some time, so I couldn't make some payments. I called the customer service of the card to inform them why I could not pay, so the payments accumulated and the interest grew. They were difficult times for me. The account was closed on XX/XX/2019. During all that time there were calls and letters arriving at the house about the amount owed on the account. I never intended not to pay. As soon as my health was recovering, I returned to work and also began to pay the debts. On XX/XX/2019, I received a letter explaining that the company XXXX XXXX XXXX XXXX XXXX would take care of my debt instead of BARCLAYS BANK DELAWARE. And of course I also called them and talked to them about my clear intentions to pay. On XXXX XXXX they sent me a letter offering me that if I paid {$880.00} my debt would be fully paid. I contacted them and again they repeated the same offer over the phone and assured me that all the debt would disappear. So I made the decision and paid them the agreed amount of {$880.00}. I complied with the agreement but when I check my credit report now I see that despite all my sacrifices to improve my credit and bring all my cards to XXXX debt Barclays bank delaware continues to report me negative and with late payments and debt with them and this continues to affect me. I contacted them and the response was to continue that negative report for 10 years because I paid an agreement, not the entire amount. How could this happen? They put the amount of the deal and told me that the debt would disappear completely, they never said that in their calls and they did not write it in the payment agreement letter for the total amount of {$880.00}, settling the debt. I need you to please help me in this because it is not fair that after we made a deal and I paid them they do not comply, I feel that they are laughing at me in my face, I know it was my duty to pay them and I sacrificed myself and them pay what they asked me. I need help on this because it's not fair what they did to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Barclays is not responding to my attempts to contact them directly. I'm going to give them one last chance to provide proof that I turned off automatic monthly payments when I did not. They can't just say that and not back it up with tangible proof. If they do not comply - I will be forced to sue. This is an absolute abuse of power that CFPB is supporting by continuing to shut down my claims when this has not been resolved. There isn't an option to appeal - or believe me I would. This issue remains wholly outstanding and I need a response from Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: AAvantage Barclays, I paid off this card to improve my credit standing whichic I have. I paid off {$1700.00} on XX/XX/2023 in full. I spke to an agent who assured me that all is okay and I satisfied my amount of {$1700.00}. Now comes a bill in todays mail stating that I owe {$7.00} for interest charged. When I called today to resolve this situation a representative hung up on me. I could have very easily paid this amount to resolve this isse, however it is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Paid off my credit card completely on XX/XX/XXXX for {$120.00}. Have not used this credit card since I paid it of. Received no emails or letters regarding bills for my account since I paid it off. I did receive a postal letter that my account was being closed but that was all. On the phone today XX/XX/XXXX they told me I was set up for paperless but received no emails and I never authorized paperless. I always received paperless. This doesn't explain why I received all these fees and received no notifications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60025
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Attempted to use the card for a purchase on XX/XX/2023 and was declined at the time of purchase. Credit was available and I had just made a {$2500.00} payment earlier in the day. Called the customer " service '' and spoke with a XXXX in security who was completely useless rude and offered no help. She said I had a security alert on my account due to the attempted purchase. The purchase was in XXXX and at a company I had made a higher purchase at ( and paid off ) a couple months ago. She would not remove the restriction without sending me a text on my U.S cell phone - I told her I was in XXXX and already authenticated my identity with her. I did not have my U.S. cell phone being in XXXX and could not use my card. I use my card regularly in XXXX and sometimes in critical situations where having a block on my card which is in good standing can lead to potential health problems at worst and embarrassment at least. I understand the fraud alerts but their system is terrible and so called customer is even worse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1.I have never had an account with this company WYNDHAM XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WYNDHAM XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
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: Wrote letter to Frontier Barclay MasterCard regarding charge for Frontier Airlines for {$590.00} for their Go Wild pass which was charged on XXXX XXXX. Also disputed with frontier. Their response was can not cancel, however in their ( Frontier ) terms and conditions it clearly states pass can be canceled. Service product does not Begin till XX/XX/XXXX Frontier claims you can go on their website, login under your account and go to section- XXXX XXXX XXXX and cancel at any time but when you go online that option is not available. And as of XX/XX/XXXX they are still selling that pass
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I actually closed the credit card over a year ago, but the company still continues to charge me random fees and then inflated late fees on these fees. Sometimes the random " carry over charges '' are as low as {$.00} which they will charge me a {$41.00} late fee on. Every time I pay off the random carryover fees, they come up with a new one. I have now incurred hundreds of dollars in fees on a credit card that I paid off and closed well over a year ago and it never seems to end. I have called them several times, they always tell me it's a mistake and they will resolve it and it continues to not be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: About eight or nine years ago, when I was still in college, my mom, XXXX XXXX XXXX, was worried about how I did not have a credit card to use for any emergencies. I was at this time someone with no credit history. She thought it would be a good idea to put me down as an " Authorized User '' for her BarClays Credit Card just in case I needed to use the card for an emergency as a college student. I do not recall ever using the card, and I certainly never cosigned for it or declared myself liable for any of the debts that were accrued on the card under my mom 's name. Now, all these years later, that BarClays Card is damaging my credit report because XXXX and other companies are treating it as if it is a very old card that I took out or signed for many years ago. Months ago, I called BarClays to express my frustration about this situation. They claimed that they removed me as an Authorized User from the Card and yet, three months later, my Credit Score is still being dragged down by their BarClays Card. Again, I do not have any access to this card, I never accrued any debts on it, and my name should have no association with it whatsoever. Since I was delisted as an authorized user, I have noticed that they no longer list my mom 's debt as being my own, but I would like my association with the card to be removed completely. The age of the card is serving as a drag on my Credit Score right now. Ultimately, BarClays should not be on my credit report. I am about to take on a new job and rent an apartment in another state, so I want my credit score to be as good as possible and no longer damaged by my name being associated with this nine year old card that I never signed for and that I have absolutely no access to today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A