Date Received: 2023-02-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made a transfer of {$1500.00} from my credit card with a limit of XXXX, received the money in my checking account. They then transferred {$1600.00} from where I don't know I was over limit at that point. They said they sent me a new credit card I have no new activated credit card I don't know where the money went from this transfer but they are charging me for it ruining my credit and wanting me to pay back {$1600.00} I never received. They can not prove I received the money, I can prove the {$1500.00} original into my checking account and will certainly be paying that back. I did not receive another {$1600.00}, and will not pay that back. I want this account fixed and my over limit repaired so my credit rating is not ruined by this fraud transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87110
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have an XXXX XXXX XXXX. I accepted the offer for this card in XX/XX/XXXX. It had an introductory interest rate of 0 % for 12 billing cycles. This was for both purchases AND balance transfers. On the first two statements I saw that they charged me interest on the balance transfer that I made from another card. Today ( XX/XX/XXXX ) I called to dispute this and was told that the interest rate was 24.49 % for balance transfers ( and 0 % for purchases ). I explained that the offer had been for 0 % interest rate on balance transfers. I explained that I had the 'Accounts Summary Table ' in front of me, which came with the card that confirms 0 % interest on balance transfers ( for 12 months ). A copy of this is being uploaded with this complaint. The associate I talked ( very politely ) to seemed not to believe me when I said I had that confirmation. She said that she could do nothing about this because I had accepted a card with 24.49 % interest on balance transfers. I reiterated that I had not accepted that and that I had confirmation of the 0 % offer. The amounts of interest that they have charged so far are {$68.00} on XX/XX/XXXX, and {$65.00} on XX/XX/XXXX. I expect that I will get a interest charge on XX/XX/XXXX too if this is not sorted out. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 897XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I filed a dispute on my XXXX credit report against Barclays Bank reporting my XXXX XXXX account as past due for XXXX dollars. XXXX determined that Barclays incorrectly reported the past-due amount and changed the XX/XX/ XXXX payment status. This dispute was filed on XXXX/XXXX/XXXX ( The same month that Barclays stated that the amount is past due, how can XX/XX/XXXX payment be past due and it was reported past due in the same month ). Barclays is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Case Number : XXXX Please see attached letter for complete details Barclays has not offered me a plausible way to continue to pay my monthly statement minimum that will not keep adding more and more to my balance because of rising interest throughout XXXX XXXX into XXXX. I'm able to pay more than my monthly statement minimum, however paying down the total balance is becoming increasingly difficult because I'm unable to work as much due to lower energy from long covid last year. I've been completely responsible in trying to pay my bill and discuss this with Barclays starting at the beginning of XX/XX/XXXX XXXX They offered me lower minimum payments which is ridiculous because my minimum is only {$39.00}. I can pay that. That's not the issue. My goal is to pay this balance off. With such high interest rates occurring during XXXX and continuing, my goal is becoming beyond reach. I was also told that I could allow my account to lapse into Collections and not receive interest. Going to Collections would lower my Credit Score. Also, as soon as I " catch up '' in collections to the " lapsed payments, '' they move my account right back into being a regular account and start charging interest again. It seems that Barclays isn't willing to change anything to help me in any way re : their greedy policies. It feels like Senior Abuse because no one is willing to listen and understand my situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95060
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone tried to open at least one credit card in my name. XXXX XXXX called me to verify and I was able to stop it. However, I have had serveral reports on my credit report of attempt to open credit cards that I did not initiate. One with barclays Bank, and XXXX XXXX. Fortunately nothing has happened that I am aware of yet. I reported it to XXXX ID theft. They told me to report it here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46383
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XXXX XXXX I applied online for an American Airlines Advantage Aviator Red World Elite Mastercard issued by Barclays and provided all requested information. Approval odd were excellent, and I had several preapproval offers options from multiple other cards issuers to include other AAdvantage card. I have excellent credit and no issue obtaining credit elsewhere. I received a letter on XXXX XXXX from Barclay stating they need a Driver License/State/Gov ID, Social Security Card, current utility bill and bank statement to verify my address and had 30 days from date of letter ( XXXX XXXX ) to provide. The form letter had no phone number, no email address, no contact name, just a po box address to mail documents. This should have been my first flag, it just didn't feel right ; I attempted to call the customer service number on the website, but its a series of prompts that will not take you to a live person. I called the number for application status, that initially told me to reference a " my status app link ''. I called back and got a live person who would not help me unless I submitted another credit application. I explained that I already have one, and she stated the system does not allow them to see applications already in process and that I can process a new one over the phone... why would I do that and take another credit hit. I tried two other numbers and finally got a live person when I called the fraud office. I spoke to them in detail about my concerns and was given a fax number to use and list of acceptable documents to verify identity and address. I faxed over clear & legible documents along with my contact info to confirm receipt. I called back a couple of days later and they still could not provide an update or confirm receipt. I was directed to XXXX the package which Barclays received on XXXX XXXX As the fraud rep directed, the package included the original letter, a letter asking them to contact me upon receipt, a copy of my military ID, copy of Passport, a Property Tax Statement, a water Bill XXXX and a XXXX XXXX statement. ( Note : I did not have to provide this much information when I bought a house or car last year ). They did not follow up or contact me as requested, so I called them on XXXX XXXX, was bounced from person to person until I reach the security department, who then proceeded to tell me application was still on hold and they need more information and I now need to provide a a front and back copy of my social security card and current IRS 1040 document to further prove my identity as my military ID did not have my date on birth. I told them that should not matter as the DOB was on the passport which is legal proof of identity under the Real ID act. I was then connected to another representative, where I had to explain everything again. They assured me documents were for identity and not proof of employer or income. I explained that this was a lot of PII data that they are collecting, especially when documents already provided 100 % match info on credit report. I also wanted to know how PII was being protected under this process, Barclays answer was we will shred it when final decision is made or 6 months whichever comes first. I asked them to send me a letter stating why they needed more information as a SSN card is not considered legal proof of identity, and off course they refused to provided. I asked why a notice was not already sent as they had my identity documents for two week already, rep stated they only send one letter per applicant ( either a denial or request for information ) and had I not called back in, they would have just timed out my application & denied me with no further contact. Rep then proceeded to tell me they require this information from all applicants and it was standard business practice for identity verification. I immediately googled and no where could I find that this was a standard practice, to the contrary another Barclays site listed the same documents already provided as acceptable. Reached out to a few friends who have this card, and they were never asked for this information. I asked Barclay rep was there something in my profile triggering this, I would like to know so I can fix it and not have to go through this with another creditor. I was told they don't have to provide me with that information and that they can just deny the application if I wont provide them with a front and back copy of SSN card and/or 1040. ( note : the back of the card says protect card, prevent misuse, keep it in a safe place and never carry it with you ). If I had not found the Barclay 's number myself, I would swear this whole process was a fishing scam ; since when is a passport not considered ID, Military ID stop having DOB on them 15 years ago, a 1040 is not proof of identity as any one with XXXX XXXX can doctor a 1040. There is no legal requirement to even provide a social security number on the application, so how can they base approval or denial on not providing the actual SSN card. I asked why I could not use the identity verification app like other CC companies ( website says they have one ) I was told that was for current customer only despite the fact website clearly states for New Barclay Consumer wishing to apply for services. I was given yet another po box to mail updated document. I believe I am being profiled based on demographic information on the report ( military status, residential addresses, etc. ) as they wont disclose why I am being flagged. It almost seem like they are trying to make process difficult so I will give up which will give them justification to deny me. I have a 750+ credit score, 15 years of positive trade line, card utilization under 19 %, no late payments, great debt to income ratio, two inquires, no collections, so what's the issue. I have a high level government clearance and know the risk associated with collecting this much PII from one person ; If I had not called in, that paperwork would sit 6 month prior to being destroyed, who does paper anything in this day an age, and everything they are asking for now can be " dummied up '' by a 13 year old. There was no option to elevate my issue or appeal the decision, either send the documents requested or don't. Again, the fact that I provided valid and recent identity documents as listed on the website/letter that did not clear the flag, coupled with the fact that they will not disclose what generated the flag over the phone or in writing leads me to believe there is a unfair process at play that needs to be investigated and corrected or organization sanctioned for its perceived profiling practices. I would have preferred an upfront denial over this current practice which puts my identity more at risk than issuing the credit card would have. If this " identity validation practice '' is part of the screen out process for certain " flagged group of consumers '' I would advise military, divorced women, minorities, and anyone choosing to live in an " up and coming or investment neighbor '' to proceed with caution, you may be wasting your time and end up with a credit inquiry and no card. I now have to go put a lock on my credit just in case my data get comprised internal to Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: On XX/XX/XXXX I paid XXXX department store with a convenient check for a balance transfer in the amount of {$750.00} from XXXX ( Barclays Bank ). In XXXX the check posted to my account, I completely forgot I had written the check two months prior. I contacted XXXX to report the the transaction. The fraud department reverse both checks, it was reversed out of XXXX. Then credited to my XXXX account on XX/XX/XXXX. Then, I received a letter from XXXX indicating the check was written by me. Therefore 750.00 was put back to my XXXX account, but never credited to XXXX. I have made several attempts to have this matter resolved, each time I speak to management im told they will take care of it as soon as possible. after 15 months with no resolution I need some help. Please Advise.
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: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My card had fraudulent charges for the following : XX/XX/2022 - XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX - XXXX I first contacted XXXX. They said they couldn't help me because these charges are not on my XXXX account. I have contacted Barclays ( credit card company ) 3 times regarding these fraudulent charges, requesting specific documentation they claim they received from the merchant to prove the charges were mine. I have also included entire details on my XXXX transactions to Barclays showing them that the charges are not mine and not on my XXXX account. The credit card in question has never been linked to my XXXX account. Barclays response every time is their same standard form letter stating that they received documentation from the merchant verifying the charges as mine. I've requested copies of the actual documentation and they refuse to provide it. These charges are not my charges. They are fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92065
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX recently reviewed my Barclays credit account and found that I was being charged 29 % interest. I called the company to see if they could help me get ahead of the debt by lowering the interest rate or did they have a program that would help consumers get out of debt temporarily. The representatives did not have any knowledge about how to help a customer. I did email the company and they said I was eligible for a payment plan, but when I clicked on the link it did not work and when I called them the representative again did not know how to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My monthly card payment of {$15000.00} was paid twice on XX/XX/2023. I had manually scheduled a bank payment of my monthly statement balance several weeks ago. Maybe two weeks later I went to Barclays webpage and signed up for their service that automatically pays the monthly balance so that you don't forget. Bottom line... when XX/XX/XXXX comes ( monthly statement due date ) Barclays generates two payments from my bank account both for {$15000.00}. My account now has a CREDIT BALANCE of over {$13000.00}. I called Barclays on XX/XX/XXXX. The rep clearly saw what had happened with the double payment but had no interest in fixing it. She told me Barclays would have to investigate and would need up to two billing cycles ( 2 months ) to resolve it. I was shocked. There are not too may households that can have a {$15000.00} hit to their bank account and not cause huge problems. I ask the rep what sort of interest they were planning to pay on keeping my money. She did not reply. This is outrageous..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A