Date Received: 2023-02-21
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: XX/XX/2022 I paid {$3500.00} for ammended tax returns. XXXX XXXX later I had not recieved the ammended returns. I called and opened a dispute, but then the vendor got in touch with me and so I asked to put the dispute on hold until the ammended returns were received. I was told that I could not put the dispute on hold, so I cancelled the dispute in hopes that the vendor would follow through. The vendor did send me the documents about a week later, but then I began to be suspicious of the work and checked it out with another accounting office. There were several errors and the work that he had done was not aligned with tax laws and I was unable to submit the ammended returns. I repeatedly tried to call for a refund, with no reply. I re-opened my dispute with Barclay, by submitting a letter to their dispute department before the 60 day mark, but have not received a letter or any indication of what is happening on their end. I have tried to call in. When I do call in, I am not being passed through to the people actually working on the dispute. They told me the dispute was reopened, but I'm not even sure if that's true, because I'm consistently getting information that is incorrect from customer service. I can call right back and get a completley different repsonse. The customer service told me to just call back again and again and keep asking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90291
Submitted Via: Web
Date Sent: 2023-02-21
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 XXXX I was charged interest of XXXX incorrectly. I have always been on autopay and paid the monthly balance each month. I needed to call three separate times in order to get agreement from staff that this was indeed an error on their part. Even though this happened one month ago, and I was the one to identify the mistake, they have been unwilling to pay interest to me on that amount, or to compensate me in any way for the mutliple calls I needed to make in order to rememdy the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX Banana Republic stopped using XXXX XXXX to process payments and switched to Barclays. On XX/XX/XXXX I mistakenly sent by payment to XXXX. The payment was made out to Banana Republic and had the new ( Barclays ) credit card number but they cashed it anyway instead of returning it. Barclays emailed me on XX/XX/XXXX saying they didn't receive a payment. I called and paid by phone. After trying 4 phone numbers and an on-line chat I could not contact anyone at XXXX. I contacted the PA Attorney General and they contacted XXXX. XXXX XXXX ( XXXX ) contacted me that they sent the money to Barclays. I contacted Barclays on XX/XX/XXXX, XX/XX/XXXX, XXXX ( Twice ), XX/XX/XXXX trying to resolve the issue. XXXX XXXX also contacted Barclays numerous times providing them information about the payment they sent. During the chat on XX/XX/XXXX I told Barclays I was going to contact a federal agency to resolve the issue. The next day my account was credited the {$430.00} payment along with the {$30.00} late fee. I just received a letter on XX/XX/XXXX ( dated XX/XX/XXXX ) from Barclays saying they are reviewing my dispute. I contacted Barclays on XX/XX/XXXX and confirmed they haven't located the payment that XXXX made the week of XX/XX/XXXX - XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclays has locked my Frontier Airlines XXXX account behind a series of security questions to which I never setup answers. I was unable to login to schedule a payment until I called their support team to have my account unlocked. My account was locked because I could not log in with my username and password without answering security questions that I never setup. After regaining access to my account on a single computer, there is no way to reset these security questions, which I never setup in the first place. There appear to be 3 questions : XXXX. What was the house number of the home I grew up in? XXXX. What was the name of my hometown newspaper? XXXX. What was the name of your highschool. I have only had this card for a few months, and at no point during any registration process was I prompted to provide my answers to any of these 3 questions. I am still unable to access my account on more than one device becuase I am still prompted for these security questions that I do not have the answer to, never setup, and have no means to change. After speaking with their terrible offshore support and going through a process that I firmly believe 80 % of US consumers would be unable to successfully complete, I regained access to my account after performing a password reset. I paid the balance 1 day late due to this issue, but not before they charged me a {$29.00} late fee. I believe that they are likely doing this to swarms of users to make it more difficult for customers to schedule on-time payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80209
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XX/XX/XXXX, I opened a " Miles and More '' credit card with Barclays bank. They told me that if I spent {$3000.00} in the first 3 months, I would get XXXX XXXX miles with XXXX. That is the ONLY reason I opened the card. I was on target to meet the minimum required spend and spoke with them several times about this. I called them on XX/XX/XXXX because my records indicated I spent over {$3000.00} and I wanted to confirm this with Barclays. They told me that I did indeed meet the requirement and that I would see the XXXX XXXX XXXX in my account the next day. I was excited! Well over a month went by and I never saw anything. I called them again on XX/XX/XXXX and they told me that I did not meet the minimum {$3000.00} spend. I was so upset. They had no record of the call that I made to them on XX/XX/XXXX! They created case # XXXX for me and told me that someone would follow up. No one ever did. I called back on XXXX and they told me they had no record of this case number. I am furious. I feel like I was mislead from the start and lied to along the way. I can't believe Barclay 's has no records of my calls to them. I know that I met the minimum spend and I feel I deserve the XXXX XXXX. I don't even want this card anymore and they've charged me an annual fee..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48152
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Barclays Credit Card Company XX/XX/23 Barclays sent me an wmail : XXXX extra points for {$300.00} chgs in XXXX, XXXX, XXXX. Promotion emailsaid do not reply to email. It was sent XX/XX/XXXX so how could I accept it XX/XX/23 to get credit for Fwb charges. I didn't think had to accept. I called today with ques and noone knew about promotions -- -4 people. Now they message me to screen shot their promotion email. I don't know how to screenshot. Too bad CS reps don't know their job. Worthless company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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: BRCLYSBANKDE has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. XXXX, XXXX, XXXX and BRCLYSBANKDE " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. These companies have all violated either of the two which both constitute identify theft. I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an envelope in the mail, showing that a savings account was opened in my name. The letter has my name and address and shows an active account in my name, however, I have NEVER done any business with Barclays. I did not open this account. I did not request to open this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclays Choice Privileges Visa card has lowered my credit balance three times in the past few months. I called them back immediately two times, and the representative for Barclays raised the credit limit to its original credit limit immediately. On XX/XX/XXXX, the third reduction in credit was discovered via a credit report. ( XXXX ) This unfair business practice has the consumer at risk. When Barclays decreases the credit line, it adversely compacts my credit score for having a high balance of credit usage. The negative impact on a credit score can take months to recover, and the fees associated with a lower score from all creditors will impact the consumer with no recourse. This practice has no warning or even an attempt to communicate with the cardholder. This practice feels like credit card bullying, which seems to be a common practice for Barclays. An example of my complaint : Previous Balance of {$7000.00} and a credit limit of {$10000.00}, which equals a 70 % loan to the credit limit. When they decrease the credit limit to {$7200.00} with no warning or allow the consumer to make corrections, it changes the loan to a credit value of 97 %. This business practice impacts the current and future cardholders because Barclays/Choice Privileges Visa can impact future and downline credit opportunities with this practice. This is pure credit manipulation and consumer bullying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80004
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I did a balance transfer {$3000.00} from shop your way XXXX XXXX bank to pay off {$3000.00} priceline credit card by barclays almost 45days ago. I contacted both XXXX and barclay. XXXX said they paid off the balance and barclays said they never recieved any funds. I will attach the email. XX/XX/XXXX Hello, I applied and was granted a balance transfer almost 3 weeks ago. I called on day 11 and was assured that everything was ok. I now owe XXXX on 2 cards. The previous one that has not been paid off and now XXXX shop your way. If it doesn t go through can you please cancel the request free of charge and/or put my balance back to zero? Response from XXXX XXXX XX/XX/XXXX We are responding to your inquiry regarding the balance transfer. Our records indicate a check payment was mailed to Barclays on XX/XX/XXXX in the amount of {$3000.00}. The check was cashed by the payee on XX/XX/XXXX. If the funds has not been applied to your account, you may request for a printed copy of the balance transfer check. Once you had received the copy of the balance transfer check, you may provide the payee with the proof of payment so they may open an investigation. Response from XXXX barclays XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX am Thank you for contacting us regarding your XXXX rewards Visa card. We can certainly address your inquiry regarding the payment that is not posted to your account. We apologize for the inconvenience this may have caused you. Upon review of your account, we do not show that a payment in the amount of {$3000.00} has been received as of today, XX/XX/XXXX. In order to further assist you and to help us resolve the issue, please reply to this message with the following information : Payment amount External bank routing number External bank account Payment method Date check cashed/funds taken Bank the funds were withdrawn from A copy of the front and back of the cashed check or money order should be faxed or mailed to : Fax : XXXX Customer Care XXXX XXXX XXXX XXXX, DE XXXX I forwarded this email to XXXX and did not get a reply. So now I owe XXXX on both cards plus a {$150.00} transfer fee while both are denying responsibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A