Date Received: 2024-02-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Credit card statement closed on XX/XX/XXXX. I made XXXX payments prior to the next closing date ( XX/XX/XXXX ), on XX/XX/XXXX and on XX/XX/XXXX, paying the balance in full ( actually overpaying the balance ). I made the minimum payment on XX/XX/XXXX to ensure that I would not have a late fee, since a month or two before my payment was made late and I wanted to make sure that didn't happen again. When looking over my bill on XX/XX/XXXX, I noted an interest fee ( {$21.00} ). I contacted the credit card company to inquire. I was told that the statement was generated from my first payment. The consumer representative expressed that although what i had done would certainly prevent the late fee, that by doing so, I would incur the interest fee. The representative expressed that the interest fee would be removed, but suggested that I not use this practice in the future. So ... .although the company ( bank ) did the " right '' thing in this case, I don't believe that this is a fair practice, or at least certainly not one that is consumer friendly. I'm assuming this practice is allowed, but with current technology available, I question whether allowing this practice to continue is necessary. Thank you for your consideration of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
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: Called to get two pages that I could not read and was refused. I asked agent for mailing address and was given po box or Fax I told her I wanted an address to send a Certified letter with return receipt and she refused to give it to me. I want to send a XXXX XXXX XXXX Demand letter and it requires a Certified Letter. Thank You in Advance for your help. My complaint is with Jet Blue Vacations. I booked a trip to XXXX, and when we arrived at the hotel they had a water line break and had no water in the Hotel. I will be XXXX XXXX XXXX this month and I frequent the toilet and need water to flush. We had to move to another hotel and the Hotel Manager told us she would reimburse Jet Blue Vacations for our room Credit card company is siding with Jet Blue and refusing to give us credit My wife is also XXXX and she did not want a room without water. Again Thanks for your help. XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01867
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: We were signed up for a credit card by Wyndham. This was the Barclays card. Barclays has sent consistent statements showing that Wyndham was adding balances to this card without our knowledge or consent. We disputed this but Barclays seems to be in league with Wyndham and they have not returned the charges to Wyndham, they just keep us on the hook for the payments. I didn't want, need, or ask for this card but Wyndham opened it anyway and now the charges on this have gotten way out of hand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 780XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Starting in XXXX of 2023, I requested that all of my creditors switch my auto payments to minimum payments only, until further notice. All of them proceeded to switch me to minimum payment only, except for Barclays, which continued to try to debit my bank account for the full statement balance month over month. When I realized this was happening, I again requested that I be switched to auto minimum payments only, which they confirmed verbally, yet continued to attempt to withdraw from my bank account the full statement balance. As I did not have sufficient funds to cover the full statement balance ( which was the reason I requested to switch to minimum payments only ), they reported me as 30 days late in XX/XX/2023, which would not have occurred had they simply switched me to auto minimum payments only, as requested on multiple occasions. Even after they reported me 30 days late, and I had another conversation with Barclays regarding how I should have been on auto minimum payments only as requested and needed to confirm I would be moving forward, they continued to keep my status at full statement balance for auto payments. ( You'll see this evidenced in the XX/XX/XXXX last statement that I'm uploading, along with the others starting XXXX of 2023. You'll see on the statements, it was an error in their accounting system as their system was reporting that it had taken the full statement balance from my bank account, which it had not, so the following month would pull a lesser amount, which made it very difficult to track or understand what was occurring/what the issue was. I only received one phone call from Barclays during that 6 month period from XXXX and that wasn't until my account was already showing 30 days delinquent ) I've had perfect credit for many years and I consider this predatory as it's resulted in a severe drop in my credit score. I dispute this reporting by Barclays due to their neglect on my account and request that this 30 day late is removed from my credit report ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92649
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Fair Credit Reporting Agency as a federally protected consumer 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. Per the Privacy Act of 1974 no agency shall disclose any record which is contained in a system of records by any means of communication to any person, other than to another agency, except pursuant to a written request, by or with the prior written consent of, the individual to whom the record pertains 5 USC 552 a ( b ). According to 15 USC Code 1681b Permissible purposes of consumer reports they need written consent to add anything to your consumer report this is a violation of the Fair Credit Reporting Act. 15 USC code 1681a reporting transaction history is illegal. 12 CFR 1016.1 Purpose and scope provides a method for consumers to prevent financial institutions from disclosing information to affiliated third parties by opting out of that disclosure. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customers non public information. XXXX, XXXX, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out of your reporting services. I am not opting out of your reporting services.
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: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: My wife and I went on a XXXX cruise in XX/XX/scrub>XXXX 2023 and she bought jewelry in the amount of {$3500.00} from XXXX XXXX on board the ship XXXX XXXX. We were offered and took advantage of a promotion on the XXXX XXXX credit card where we were offered 12 months same as cash. When we returned from our trip we received our first invoice which showed an amount of {$5000.00} showing an overcharge of {$1500.00}. This was appealed immediately but rejected ( I am still in the process of appealing this overcharge. ) The overcharge was not authorized, and we have no idea where it came from. I have attached the jewelry invoice from XXXX jewelers along with the first bank statement showing an overcharge. I have called and discussed with both XXXX and XXXX at least seven times with no resolution. I have confirmed the amount that was charged from the vendor, XXXX, who confirmed that the proper amount of {$3500.00} was charged. I have attached a marked-up invoice of all credits and charges on the cruise. You will notice the charge of {$3500.00} from XXXX XXXX, but no other charges that are {$1500.00}- which we did not approve in the first place. I am very frustrated with this situation as this has been going on for over six months and has not been resolved. I have been given the run around on this with no solutions and hope you can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A card and account was opened on XX/XX/XXXX with Old Navy through Barclays Bank without my knowledge. I received a call from Barclays on XX/XX/XXXXXXXX at XXXX XXXX wanting to verify the account and purchase made on this account at XXXX XXXX which I denied opening. I received a letter from Barclays on XX/XX/XXXX stating that this account be deleted and or suppressed because of no knowledge of this account. I just received a letter from Barclays dated XX/XX/XXXXXXXX that they completed their investigation and they determined that the account was valid and opened by me and I am responsible for the balance of {$200.00} which is completely false.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
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: IT WAS STOLEN MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH BARCLAYS BANK DELAWARE, FRAUDULENT ACCOUNT WITH THOSE CARDS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/year>, my Priceline credit card was charged {$700.00} from a balance check sent to me through the mail. However, I did not do this transaction. I called Priceline multiple times and filed a fraud claim. After a few weeks, the result arrived, and one representative of Priceline told me that this transaction was valid because according to their investigation, I transferred this {$700.00} to my other account on my XXXX XXXX XXXX XXXX. They also told me to call XXXXXXXX XXXX to check the transactions so, I tried contacting XXXX XXXX to look for this transaction however, the bank did not find any transaction for this amount in my personal checking and savings account. Priceline provided me with the check number and the payee 's name but XXXX XXXX still couldn't find this Transaction. Priceline approved this transaction even though I did not sign any cash check. I will upload my bank statement from XXXX XXXX during XXXX and XXXX to prove that I did not cash any Priceline check from my account. And I will also include the Priceline fraud investigation report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
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: IT WAS STOLEN MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH BARCLAYS BANK DELAWARE, FRAUDULENT ACCOUNT WITH THOSE CARDS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A