Date Received: 2023-03-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023 I applied for credit with BARCLAYS and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a violation of U.S.C 1681m. This is proof of fraudulent activity ( unauthorized use credit card 15 USC 1602p. ) The Card applied for was a BARCLAYS Frontier Airlines Mastercard with a {$50000.00} credit limit and XXXX flyer miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a letter dated XX/XX/2023 that my account ending in XXXX was closed due to inactivity. Barclays was supposed to send me a new credit card in the mail that never came, so I'm unclear how they expect me to use a credit card and be active if they haven't sent me a credit card in the mail to activate. I received the letter today XX/XX/2023 in the mail telling me my account is closed due to inactivity and I would like to dispute this closure and demand the company to reopen my account. I am requesting this because it is clear in their records that the credit card that they attempted to send me in the mail was never activated, therefore it can not be confirmed that the card was in fact received by me. If a card is not received it can not be activated for use, therefore I can not be liable and held accountable for inactivity. I am demanding that Barclays mail me a new credit card in the mail and allow me to activate it and use it after reopening my account. I am also demanding that Barclays allow me to get access to all my statements on this account from the date of account opening. It is my understanding that this account was opened less than 5 years ago, so Barclays should still have all the statements for this account in their archive to send over to me. I am requesting all statements dating back to the first statement to be provided to me for review. I am hopeful that Barclays will resolve these matters to my satisfaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have made several disputes over and over again and every time I do they drop my credit score and make it worse
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The last payment on the account # XXXX is more than 7 years and the account should have been deleted by now, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/2023. '' Please delete this disputed account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Barclays closed all 5 of my cards back in XXXX and didnt give a real reason why. They told me reapply for those 5 cards which i did That was back in XXXX Its XXXX and its still in pending Ive sent them every single document they have asked for -Drivers license front and back -social security front and back -bank statement All of them passed verification but the social security card XXXX I was told it was hard to read since it was faxed. So i resent did all the copies overnight mail TWICE and out of all the documents once again they said all the documents are good but the social security. Im confused because its literally my social security card and signed by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Re : XXXX XXXX Restuarant week promotion sponsored by Mastercard from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX The complaint is in regards to a promotion that was sponsored and advertised by Mastercard on XXXX Government and various other websites. https : XXXXweek Special promotion for Mastercard holders XXXX get {$10.00} back when you spend {$45.00} or more in a single transaction during XXXX Restaurant Week. To participate, enroll any eligible Mastercard to receive a {$10.00} statement credit. Takeout and delivery are not eligible for the promotion. ALL the requirements have been met and I have yet to receive my {$10.00} credit I have tried calling numerous times as well as spoken to Barclays ( the servicing Bank ) and Priceless multiple times to no avail. None of the agents knew what I was talking about in regards to any promotion ( 14 documented calls ). So, one of two things occurred : - The advertising on the various websites is fraudulent OR - Mastercard is not honoring ( or is even aware ) of the promotion which is very concerning and could be potentially widespread impacting numerous consumers. Getting this issue resolved or even having Mastercard actually know about the promotion has been extremely frustrating to say the least!! I was provided a complaint # XXXX and and to date have not received a response. Followed up with an e-mail to XXXX ( as provided by the promo offer ) on XX/XX/ and have not received a response from Mastercard or Priceless.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/ Traveled on XXXX XXXX ( 4 flights ) Flight crew pushed passengers to sign up for aviatormastercard ( Barclays Bank ) Promoted no fee for the first year and XXXX free bonus frequent flyer miles We signed up under XXXX XXXX and XXXX XXXX They ran credit and issued the cards We called to activate and were told we had to pay {$99.00} and the info regarding the 1st year at no charge was in accurate. We explained that XXXX XXXX promoted this on 4 different flights. It was part of their inflight announcements. We also have a copy of the brochure outlining the same information. They asked for the promocode which we gave them from the brochure. ( promo code XXXX ) The agent on the phone said they would open a case and we would hear from someone with i 24 hours. It has been 2 weeks and nobody has responded. As of our last communication we were told we owe {$99.00} and the account is closed. This is total bait and switch and running credit followed by cancelling a credit card effects our credit score. This is un acceptable. We expect the terms as promised. If XXXX XXXX and Barclays Bank whishes to sell credit cards they should be held to legal standards in advertising and promotions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: AAdvantage XXXX ( Barclays XXXX ) advertises as follows on its website : " Use your card with confidence. Count on Barclays ' {$0.00} Fraud Liability protection. With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen or breached - online or offline - you're protected. Call it " business as usual '' : 1. Shop with confidence Use your card to make purchases anywhere in the world. 2. Report unauthorized transactions immediately Keep an eye on your monthly statements and be sure to tell us right away if you spot any unusual account activity. Simply call the number on the back of your card. 3. Get resolution fast. If you let us know about an unauthorized transaction, we'll investigate it and correct the issue as quickly as possible. '' They violated this promise to me recently. My card was hacked, and I reported a fraudulent transaction from XXXX XXXX on card XXXX on XX/XX/2023 for about {$1000.00}. They agreed this was fraudulent and send me a new card. On XX/XX/2023, they put through a second fraudulent charge from XXXX XXXX on card XXXX for about {$4000.00}. ( While the " account number '' at that point had been updated because I was sent a new card after reporting the {$1000.00} fraud, the relevant information is that the {$4000.00} charge was made using the SAME COMPROMISED NUMBER of XXXX, which I had reported as fraudulent, and was from the SAME COMPROMISED VENDOR, XXXX XXXX, which I had reported as fraudulent. AAdvantage has now closed my investigation, and this is their finding : " We have completed our investigation and have determined the activity is valid because your bank account was used for payments against the charges. '' I have called them to ask what they mean by this ( if it's been paid, why am I being charged? ). I have spoken with 2 reps and a supervisor, and they can't tell me what it means ; they just repeat " the investigation found this was valid. '' They have refused to give me documentation in support of this incorrect conclusion. ( One of the reps told me they found it was valid because the person purchasing the service used a version of my name, " XXXX XXXX '', which is in the public record. ( I'm like.. one, that's not even my full name, two, of course 100 % of fraudulent transactions used the hacked card holder 's name, three, if it's in the public record ( which of course my name is in the public record, on linkedin, and various other places ), how does this prove I made this charge? On the basis of this nonsense, they are charging me over {$4000.00} and will report me as delinquent on XX/XX/2023 when I don't pay this fraudulent balance. charge. I am a small business owner, woman-owned, and Latina-owned, and I am trying to buy a house this week. Literally. My current XXXX XXXX is XXXX and XXXX, partly because I have a 100 % on-time payment record. They will destroy that in 15 days if you don't take action. Please, I am begging you for assistance. I have reported this to my Congressman, whose office is calling them today. I have also been filing fraud reports with XXXX XXXX and with a local consumer reporter. Please, please help me. CFPB is a critical protection for consumers who have such little power against a company that can ruin my credit and charge me over {$4000.00} just because they say so. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a Barclays AAdvantage Mastercard. Their Mastercard ID Check system rejects online purchases I try to make with the card. I have spoken to more than a dozen employees at customer service and security, and nobody can fix the problem. I have a different Barlcay 's Mastercard that I've had to use, so I know that it is not a problem with the multiple vendors I've made purchases from. There is nobody at Barclay 's who seems to have the ability to solve the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 658XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
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 is an addendum to initial COMPLAINT ID # XXXX submitted on XX/XX/2023. The fraudulent charge of {$76.00} was denied being charged by the vendor in XXXX, refunded on XX/XX/XXXX ( no thanks to Barkleys ) to the original card ending in XXXX, by XXXX XXXX, XXXX ( see attached invoice ). The XXXX account was closed by Barkleys in XXXX as they deemed the {$76.00} a fraudulent charge.To date, and after several long phone calls, they have not been able to link the refund to the new account number they issued and are charging us interest and late fees. The fact Barkleys fraud branch lacks the intellect and expertise to manage and investigate their own Rewards Program is a telling indictment on the creditability of the entire corporation. The incompetence and ineptitude demonstrated by this group is something I have never experienced previously. They do however, excel in victimizing the victim. I was victimized by their inability to discover the origins of the fraud charge during my two months of investigating. I was further victimized by adding a late fee to the fraudulent charge, then an interest charge and finally being reported to the credit bureaus for failure to pay the fraudulent charge. They are outstanding at piling on the victim, but offer no helpful assistance whatsoever! This is text-book worthy failure. I recommend Barkleys contact XXXX XXXX for instructions on how to conduct fraud research!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A