Date Received: 2023-02-25
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: I lost my physical credit card on XX/XX/XXXX. Since that time my card was used on several purchases I did not authorize ( see attached ). Not only were these transactions large, and placed after I lost my card, but they incurred cash advance fees which themselves are problematic because XXXX ) the transaction generally are not cash advances and XXXX ) interest and fees have accurred. I reported this activity to the bank when I noticed this on my statement first on XX/XX/XXXX. I locked the account. To my surprise, I never was issued a provisional credit and nothing was done, and my account was unlocked without my consent. So on XX/XX/XXXX I again reported the transactions and locked my account. Again, no credits were issued and I received no correspondence or updated. So on XX/XX/XXXX I again reported the transaction, locked the account, and again no update or credits were issued. On XX/XX/XXXX I called the company, I again reported the incidents, I was told a provisional credit would be issued in 24-48 hours. Then on XX/XX/XXXX I got a bill from the company which claimed my account was past due and showed the full balance along with additional accumulated interest and late fees. On XX/XX/XXXX I called, first I was told no provisional credits were issued because I did not make a minimum payment. However, I did not have to make a minimum payment because the amount of the provisional credit I should have received was larger than the entire balance since the fraud went on over multiple billing cycles, of which the prior one I paid. Thus, Barclays is not following the law, they are not issuing me provisional credits, they are telling me I do not qualify unless I make a minimum payment ( even though they owe me money as I already paid for one of these fraudulent transactions ). They continue to assess late fees and interest, and they have provided me with NO correspond or updates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: On XX/XX/XXXX, I added the carryon bag fee for {$69.00} for my Frontier airline flight XXXX from XXXX Florida to XXXX Maine. The flight was to leave XXXX but was cancelled. I then had to rebook on another airline. Frontier never refunded my money so I filed a dispute with XXXX XXXX XXXX. At first the gave me the credit, but then readded the fee to my bill claiming that the airline said the charge was valid and are now recharging for the fee. The flight was cancelled so how is this valid. I have spoken to both the airline and the c/c company and no one will help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To Whom It May Concern, I am writing regarding my Gap Rewards Credit Card. I have been a Gap card holder for well over 10 years and the card was always under XXXX. Last year it converted to a Barclays card. I recently have experienced financial hardship and enrolled in a Debt Management Program through XXXX XXXX XXXX XXXX. XXXX sent a proposal to Barclays for both my Gap rewards card and my Banana Republic card. The proposal was to lower the interest rate from 29.99 % to 5.4 % and would have me pay off my balance in 4.5 years. In addition to this arrangement XXXX advised me to close the accounts, which I did. Barclays accepted the proposal for the Banana Republic card, however rejected the proposal for the Gap card. When XXXX as well as myself contacted Barclays to inquire the reason, we were told that I had a promotional interest rate on the account of 0 % until XX/XX/XXXX. I found this odd because all of my statements show that I am in fact paying 29.99 % interest. Upon further explanation, I was informed that the 0 % promotion only applies to purchases made between XX/XX/XXXX XX/XX/XXXX. Which total {$390.00}. My current balance on the card is {$7500.00} and that is being paid at a 29.99 % interest rate. I asked if there was a way to remove the promotion so that I may enroll in the program. I was told no. I asked multiple times if I could pay the {$390.00} over and beyond my minimum payment in order to make the promotional balance XXXX, so that I may enter the program. I was told no. In fact, 3 different representatives told myself and XXXX, that any payment above the minimum payment would be spread out among the balance and NOT directed specifically to the 0 % promotion. This means that I am in fact NOT paying 0 % on the {$390.00}. Barclays is not offering me any way to take advantage of this promotion by allowing me to pay it off prior to XX/XX/XXXX. The only way to pay off the {$390.00} is the pay the entire balance of {$7500.00}. This is unfair. XXXX stated that they have never heard of a creditor doing this and it is false advertising. I would dare say its predatory lending. They offered a promotion before the holidays offering 0 % interest on new purchases however never created a way for me to actually pay off that balance. If I go to XXXX and buy furniture for 0 % interest for 6 months, they absolutely allow me to direct funds ( over and beyond my minimum payment ) to the balance of that furniture. Why is there no way through this promotion, to get out of it? How do I ensure that I am paying 0 % if you will not allow me to pay the {$390.00} prior to XXXX? Lastly and additionally predatory, is that because of this promotion on {$390.00}, Barclays will not allow me to enter a program to address the 29.99 % interest on {$7000.00} balance. They are essentially tying me into this rate and payments for 6 more months. There is no way out. That is not a promotion and I spoke to 7 different representatives yesterday who all claimed there was nothing they could do. This is unacceptable. I am asking for the promotion to either be removed from my account, or for the opportunity to pay off the promotional balance of {$390.00} so as to not accrue any interest, which is how a true promotion is supposed to operate. I look forward to a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A savings account was opened by XXXX XXXX Bank XXXX XX/XX/2023 in my name. I received a letter from XXXX 's with the account information. I called on XX/XX/XXXX to cancel the account. The agent was courteous and promptly canceled the account. I have no reason to believe anyone other than XXXX XXXX Bank opened this account in my name. I believe this is the latest technique that banks are using to get customers. It's a waste of my time and stressful not knowing for sure if this is a case of identity theft or just another marketing ploy. Banks need to stop doing this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: On XXXX XXXX XXXX, I had purchased service w/ XXXX XXXX for {$170.00}. I was supposed to have received a tracking number and details from XXXX XXXX on when I would receive my SIM card, but I received neither nor my package containing said item. As the email I did receive from XXXX XXXX indicated, I should have received the package within 5-7 business days. I waited 10 days before attempting to unsuccessfully reach XXXX XXXX. I finally reached out to Barclays immediately afterwards. After several attempts from speaking with Barclays, they eventually closed the case after originally asserting that I agreed to the no return policy for an item I didn't receive, then in a later notice I received, stated that they could not get in contact with XXXX XXXX for retrieval of the money. I was even able in limited instances able to get in contact with XXXX XXXX after they committed to provide me a refund in 2 instances, then I provided that to Barclay, but that was not enough for the bank to retrieve it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: Situation : I was charged {$9000.00} on XX/XX/XXXX for payment to a contractor through XXXX.Ayear and a half later this moneyremains unaccounted.I filed a CFPB complaint against Barclays on XX/XX/XXXX and was told there was no new information to the case. There has been more information gathered after their XXXX response on XX/XX/XXXX that involves two conversations with Barclays representatives. I am attaching tapes of these two conversations. 1. The first is a recorded call on XX/XX/XXXX between a XXXX representative, XXXX, and a Barclays representative. Starting at XXXX - XXXX during this call, XXXX representative confirms that the bank ruled in my favor on the chargeback and they refunded the money on XX/XX/XXXX. 2. The second conversation occurred on XX/XX/XXXX with a Barclay Supervisor named XXXX. Beginning at XXXX in this call, she states that there is a strong likelihood that XXXX refunded the money to the closed credit card XXXX and that was never transferred. Barclay continues to say that they returned the money to XXXX on XX/XX/XXXX. XXXX, in a XXXX complaint and on XX/XX/XXXX, says that they sent the money back on XX/XX/XXXX to the originating Barclay account ( XXXX ) which Barclay has previously closed so I had no access to transactions that occurred on that account. Further, in response to my XXXX XXXXCFPB complaint, I was given yet another unmanned phone line to contact regarding my complaint. When I call the number provided, I can only leave a message and to-date no one has responded to my inquiry in almost a month. Im requestingthat Barclays send me thetransactionrecordsformy closed credit card account ( ending in XXXX ) from XX/XX/XXXX- XX/XX/XXXX as I have a strong reason to believe that XXXX refunded the money back to me via the old credit card they had on file ( XXXX ) that was no longer an active card and that money was never transferred over to my active card ( XXXX ). I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXX 's response ; and written numerous letters requesting resolution. While Barclays responded that no new information has been presented, I disagree andrequest that Barclay provide transactionalaccount statements on my closed account, XXXX, from XX/XX/XXXX to XX/XX/XXXX toshowthatBarclay never received the XXXX XXXX XXXX transaction. Please respond to my email with any additional information requests you may have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: There is a Credit card open in my name with the company Barclays. I have never opened a card with Barclays. Someone must have stolen information of mine and created a credit card with it. I have attempted to call Barclays numerous times and they do not answer. This credit card should not be charged to me because I own no credit card. I wasnt even 18 at the time that the credit card was opened in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX paid XXXX and on XX/XX/XXXX paid total balance on XXXX XXXX. Closed account after payment. Now being charged interest for previous month AFTER balance was made BEFORE new billing cycle. They are charging after my debt is paid. There is something seriously wrong with the billing system when you get charged interest after you make full payment. I honored and paid off this debt and do not understand why I am being charged extra. I chatted with XXXX on XXXX with no resolution. I advised that I was not happy and wanted this charge removed. I wanted to speak with a manager but was advised this would take up to 24 hours. CC BARCLAYS BANK DELAWARE XXXX XXXX AADVANTAGE AVIATOR CARD XXXX XXXX XXXX XXXX DE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The AAdvantage Aviator Mastercard fraud team wrongly posted a {$4000.00} fraudulent charge from XXXX XXXX ( a company I have never done business with ) on XX/XX/2023, and are refusing to remove this charge, thus damaging the credit rating that I need as a woman-owned, minority-owned business. AAdvantage Aviator Mastercard now refuses to characterize this charge as fraudulent ( after initially characterizing as fraudulent and crediting my account, they changed their minds and charged me again ), but I have yet to receive documentation of whatever it is they are relying on to arrive at this conclusion. This charge is fraudulent and must be removed. This situation has arisen entirely due to the company 's own negligence in posting this {$4000.00} charge from XXXX XXXX on XX/XX/2023 AFTER I notified them on XX/XX/1023 that my card had been hacked and XXXX XXXX had fraudulently charged me {$1000.00}. Because of that fraud, I closed my old account and had a new card mailed to me. Despite my reporting the fraud and getting a new account number, Aviator Mastercard negligently posted a charge to my account, made on the old, compromised card number, EIGHT DAYS after I reported the initial fraud by XXXX XXXX. They should not have done that. How is that appropriately discharging their duty to me as a credit card company to protect my account? I contacted XXXX XXXX on Barclay 's instructions, which was worse than useless ( see attached faxes to Barclay 's fraud team describing that interaction ). I have filed a dispute with XXXX XXXX also, both online and via mail. These charges are fraudulent. Due to the company 's negligence in posting fraudulent charges from the same company and on the same compromised account number eight days AFTER I notified them of the fraud, and their unsupported refusal to remove these charges, I am now showing a balance on my credit card, which impacts my credit rating ( currently at 818 and 824 - I have a good credit rating and need to keep it that way to borrow for my business ). I am begging for your assistance in getting them to immediately rectify their negligence and credit my account in the amount of the fraudulently-charged {$4000.00} so my credit rating as a woman-owned, minority-owned business can remain good. Thank you for your assistance.
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: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A