Date Received: 2023-03-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a balance transfer in the amount of {$14000.00} to a home equity line of credit i have in XXXX XXXX XXXX. I was offered a XXXX percent interest rate. I made the transfer over the phone with my Frontier Airlines XXXX Starting in XXXXXXXX XXXX XXXX I started to receive interest charges for the transfer. I paid the fee of {$700.00} but each month I receive interest charges. I call the company each month to dispute the charges. The call center will reverse the charge, but then again, the next month, I receive an interest charge on the balance transfer and also on any purchases I make. I pay my purchases off every month and continue to pay down the balance transfer amount. Now the company says I agreed to a 20 percent interest amount on the balance transfer. I most definately did not. This transfer transaction was made over the phone. I agreed to a XXXX percent transaction. They say they record these calls. They should go back and listen to this conversation and rectify this situation. I would never transfer {$14000.00} for a 20 percent interest rate promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44446
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was on the XXXX XXXX site about to purchase tickets and an ad came up to apply for the Barclays XXXX XXXX credit card. The ad offered XXXX miles and a $ XXXX statement credit. I clicked on the link and applied for the card. I called customer service at Barclays the following day and paid extra for the card to be overnighted as I wanted to purchase the tickets with my new card and ensure I met the spending requirement to get the XXXX miles and got credit for the miles. I confirmed with the representative on the phone that I would get the $ XXXX miles and the {$300.00} statement credit once I completed sufficient usage of my card. I have purchased flights for my family to fly to the island ( just over {$4500.00} ) and just received the XXXX miles on XX/XX/23, BUT was told that I do not qualify for the $ XXXX statement credit. When I called Barclays customer service this last time they said they didn't see anything about the {$300.00} statement credit offer. I was bait and switched.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have an account w Barclays through Jet Blue ( XXXX ). I have tried to contact Barclays numerous times to close the account. Every time I call the main number I and inform them I want to close my account the call is transferred and then I am put on hold for a long time, and then the call drops. In effect, the bank has set up a system that precludes consumers like me to close a credit card account. This should not be allowed. In the meantime, the bank continues to contact me about the annual fee of {$99.00}. But once I cancel the account I will not owe the fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied for savings account with Barclays Online Banking account and I was approved and the accout was open the end of XX/XX/2022. Then they closed my account with no explanation. Then they finally told me that they thought I was committing fraud. I gave them all the documents that they asked for to verify my ID. However they still denied me a saving account. Barclays Customer Care at XXXX. 7 days a week from XXXXXXXX XXXX to XXXXXXXX XXXX ET.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was checking my XXXX credit report and noticed 1 Inquiry was reported on XX/XX/XXXX to Barclays Bank. I never made this request for a new line of credit, as I already have a Barclays card. I first called Barclays to see if they could remove it themselves, and more importantly, if they even solve this account in their records. The employee at Barclays that I spoke with, stated that they only could find one account in the records under my Social Security number, which was the Barclays card I currently have. they could not find those cars that was requested for opening last XXXX. I also reached out to XXXX XXXX who, similarly to Barclays, suggested to reach out to the government in reporting it as fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Summary : My credit score now has a 7 year mark on it for late payment through extremely shifty practices from GapCard and Barclays. I am the primary hold of our GapCard. Gap sent us new cards and had ( unbeknownst to me ) switched from XXXX XXXX to Barclays. We had automatic bill pay set up on XXXX. My wife made some purchases in XXXX and early XXXX of 2022. We never received any bills in the mail. Today I checked on my credit score and found that Barclays had issued a 30 day late payment notice that reduced my credit score by about XXXX points. I hadn't even activated my GapCard until today, and when I did so I found that it was now under Barclays and didn't even have a bank account associated with it for payments yet. So I set all that up and paid it. I have been monitoring my credit score because I expect to apply for a mortgage soon, and this will cost me thousands of dollars and be on my credit score for 7 years. How can GapCard get away with switching the primary cardholder to a new bank that is not set up, then never send bills or late notices, then mark me as delinquent. My address was correct in their system, and I had not signed up for electronic delivery. I had every right to expect that the card was still set up for automatic bill pay, and it was the secondary cardholder who made the charges. I hadn't even activated the new card yet. I immediately set up auto-pay and paid the bill, and we called Barclays, who are refunding some of the fees, but they have damaged my credit score in a way that will have a material effect on my mortgage rates, while never providing a bill let alone a late notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94606
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclays Credit Card - continuation of CFPB Complaint # XXXX After reviewing their resolution multiply errors were founded in their response regarding bank debits and credits and the numbers of transactions without providing additional tracking information beyond general statements. The initial payment was accepted by Barclays on XX/XX/XXXX ( the automatic payment date ) and taken out of my bank account of {$2100.00}. Yes a stop payment was placed on the duplicate bill of {$2100.00}. Their statement of Period of XX/XX/XXXX - XX/XX/XXXX states payment received on XX/XX/XXXX. The stop payment of duplicate payment took place on XX/XX/XXXX. I feel Barclays did not provided inaccurate documentation and tracking off payment. My credit union provided Barclays with tracking numbers and the necessary information. Barclays have provided me with information that clearly does not match my bank statements. Barclays did state that duplicate billing issues occurred during this time period and I feel their system reflects errors of payment. I dispute that my XX/XX/XXXX statement was not payed or this case should not have been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49085
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The reported balance is {$4200.00} and thats incorrect. This debt is too old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have had several issues for months. For some reason other than non-payment the account was closed and I was never informed. Barclays has a policy that once the account is closed you do not continue to have online access. I had always made automatic payments and was able to review my account statements on line. There was a period in which I was never notified and did not and still do not receive paper statements. On XX/XX/23 spoke to row different operators OP XXXX XXXX on a recorded call XXXX XXXXXXXX then transferred to the manager who would not identify herself with operator number name XXXX on recorded call XXXX XXXXXXXX. Through this discussion they acknowledged that I had no access to my online account they had stopped sending statements. Because the stamens stated the options to pay was through their online account, send a check and or use their IDR system. Apparently I do to use to receive emails saying to go paperless and sign up for the online access but company policy does not allow closed accounts to have online access. Every month I have to call to make a payment and I have had several issues even accomplishing this. I have to go through 3-4 transfer to different operators and then end up having to speak to an account manager specialist. Its exhausting having to repeat and repeat same identifying information to each operator. Besides being obnoxious and repeating myself with the same information to each. I can not set up a recurring payment, I can not have an online access to make payments. Every time when and if I get a statement the options to pay are not valid. Statement says online payments, over the phone and via check. I have always paid thru online system and now they are requiring me to change after 7 years with this account. I have been reported to the credit bureaus for delinquent payments and their system is set up so that they came excuse themselves saying their is a system update when payments are due to force a late payment fee. I just want my online access to review what they are charging me and make my payment online like I always have and not have to go through leaps and bounds to make a simple online payment. They are making it so difficult for the consumer just to make a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
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: This complaint is about a Barclays Bank Delaware AAdvantage Aviator Red Mastercard. I was on an XXXX XXXX flight in XXXX and they were offering a deal to open an Advantage Aviator card without the {$99.00} fee for the first year. When I got home I tried to access the deal online to apply for the card. After signing up for the card I realized they were going to charge me the fee to open the account. I called to try to correct it within the hour. I closed the account within an hour of opening it. I was assured that the account was closed. Following that I began getting calls about a small balance. I think the balance was the yearly charge of {$99.00}. I spoke with multiple persons and told them the account was closed less than an hour after I opened it. I never saw the card in the mail. I did not receive statements. I never put any charges on the account and repeatedly tried to close it. Then in XXXX I was told there was a balance of over {$5000.00} on the card from a balance transfer. I never transferred any balance from any other account and told them that. I again told them I had been trying to close the account since less than an hour after it was opened. I would be repeatedly transferred from person to person when trying to dispute the charges. I was asked personal information such as my social security number and card number, which I didnt know since I never received the card. I was repeatedly assured that the account was closed, including an hour after opening the account. I was never given any information as to what account the balance was transferred from. I believe my information was used by someone else unknown to me to make a fraudulent transfer. Now they have referred the account to a collection agency and I received a letter stating I owe {$5400.00} to XXXX XXXX XXXX, XXXX. for an account ending in XXXX. Please help! I believe this is a scam. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A