Date Received: 2023-02-18
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 the second time I have put this to CFPB about BARCLAYS XXXX CARD, and I have been fighting this card since XX/XX/2022. I have asked for proof of response company from XXXX, a XXXX in XXXX. They stated that the company never responded. I was told that I had to wait 90 days to see what they reported happened. If the company didn't respond, I would have won the dispute by default. Well, as you can see, It's been the past 90 days, and they have started billing me late fees. I expected this would have been resolved, but it is not. I want this to get resolved, please. But unfortunately, the company doesn't have anyone who speaks XXXX well, so I can't get my point across. I need help with this mess. I need assistance with this company. Please review my first complaint against this XXXX XXXX company, XXXX and XXXX XXXX 's account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97603
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, I sent a Billing Error Notice to Barclays Bank XXXX XXXX registered XXXX XXXX XXXX XXXX, via XXXX XXXX mail with a Domestic Return Receipt. XXXX XXXX XXXX received the Billing Error Notice on XX/XX/XXXX. I also sent a copy of the Billing Error Notice to BARCLAYS CARD SERVICES via XXXX XXXX mail on XX/XX/XXXX. That Notice was available for pickup by BARCLAYS CARD SERVICES from their XXXX XXXX XXXX on XX/XX/XXXX. I am aware that BARCLAYS shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer. I am also aware that BARCLAYS as the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. BARCLAYS has not reported the debt as disputed, which is a violation 15 USC 1692 ( e ) ( A ) ( 8 ). BARCLAYS also closed my account on XX/XX/XXXX, which is a violation of the FDCPA as well. Lastly, BARCLAYS has not responded with a rebuttal, point for point, which forfeits BARCLAYS right to collect the disputed amount as described in 15 USC 1666 ( e ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98112
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Old Navy switched to Barclay. I was never notified of the change. They also automatically enrolled me in paperless bill which I was not aware of. They stopped mailing me a bill and started emailing me from Barclay which I did not know was Old Navy so my bill did not get paid. Upon discovering this I paid my original bill however they added fees. I contacted the company Barclay and XXXX different people told me they would be removing the fees however they keep marking my bill late which is messing up my credit. I don't know how to fix. Is it legal to change companies and paperless bill without my kmowledge?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To whom it may concerns My name is XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX CA XXXX. I received several fraud alerts ( XXXX, XXXX XXXX ) and bills from several creditors ( XXXX, XXXX XXXX Barclays, ) regarding past due amounts in XX/XX/XXXX. That was I found out that my identity was stolen. I contacted 3 credit bureaus to freeze the checking and applying new credits and contacted all creditors. I own a residence home for XXXX years and several properties in rentals for more than 10 years, my income is $ XXXX. I would not do anything to jeopardize my credits. I live in the house with my wife XXXX XXXX, a XXXX old son and elderly parents ( XXXX and XXXX ). To find out who use my identity, you should follow these leads : XXXX ) To purchase the thieves must have the physical credit cards. Where did they get the cards from? Where were the cards sent to ( address )? I did some research and discovered : I live in XXXX CA, outside of XXXX, but on the attachment letter, I see the XXXX # XXXX located in XXXX Alaska, which you can easily obtain by calling any XXXX store and ask location of store number # XXXX ( I randomly called XXXX of the stores and asked for # XXXX ). I then called this tore to verify if it is # XXXX For XXXX, since this is a large amount, you should initial the joint investigation with XXXX by looking at the XXXX XXXX, or receipts etc. XXXX ) For XXXX stores # XXXX and # XXXX, they are actually XXXX gas XXXX ( XXXX bought XXXX XXXX XXXX in XXXX ). I called the XXXX corporate ( XXXX ) and obtained XXXX XXXX addresses as following : Store # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX PA For XXXX XXXX XXXX, the stores mainly are concentrated in California, are the most are in XXXX XXXX XXXX XXXX I am not able to locate, because there is no location #. By doing some investigation, you easily find out some inconsistences here. I attached here XXXX solution after they found out that I am living in XXXX CA, but the purchase was in LA area by looking at the store number, and the phone number never been dialed in a month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: An annual fee was billed XX/XX/18. I notified Barclays I no longer wanted their Frontier Airline account and they billed the annual fee anyways.They eventually reversed the fees and close the account but they never removed the late marks and they closed it showing bank request rather than customer request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX withdrew {$6000.00} from my account because of a recurring payment I had setup with a Barclay card. The problem is that the Barclay card was closed months ago and I forgot to close the account. XXXX XXXX XXXX still processed the payment on XX/XX/XXXX. I realized the problem happened in XXXX and gave a call to Barclay and they informed me that the return was submitted. 2 months have passed and I have not received my money back. I have called both banks and neither bank can figure out where my money went. I am looking to see if you can provided me with information on how to handle this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a payment due for my credit card on XX/XX/XXXX with the statement balance being {$320.00}. I had scheduled a payment on XX/XX/XXXX for the full statement balance and received an email confirmation stating the payment was scheduled. On XX/XX/XXXX at XXXX I had received another email from Barclays Card stating the following : " Thank you for your recent payment Hi ( MY NAME ), Were confirming your recent payment of {$320.00} was posted to your AAdvantage Aviator XXXX XXXX XXXX Mastercard account on XX/XX/XXXX. To review all your payment activity, please log in to your account online and select Payments. View Payment Thanks for choosing us. " Upon receiving this email confirmation I assumed everything was good to go. On XX/XX/XXXX, one day after my payment due date, I signed in online to check my account and discovered that the payment was not in fact actually applied. With the apparent reason of them being unable to locate the bank account. Which I find unusual as I could see that the routing number was correct and the last 4 digits of the account were also correct, and as you have to enter the account number twice I find it highly unlikely that I entered the first 4 digits of the account number wrong, and no other credit card company has issues drafting money of my account. Upon discovering this I made another payment on XX/XX/XXXX with another account. I then contacted support and expressed my grievances about the system. Since it was one day late it triggered an interest charge. Support agreed to waive the interest. Upon checking today on XX/XX/XXXX, I am now being charged residual interest in the amount of {$20.00} and they refuse to waive it. My biggest complaint is that they sent me a misleading email saying that my payment was applied when it wasn't. They claim that they sent me a letter dated on the XXXX. However it didn't arrive till the XXXX, which would have been way too late to address the issue. They didn't send me any email notification that there was a problem otherwise I would have fixed the issue the same day. Instead they just wanted to wait and charge me interest so they could collect more money. So through no fault of my own I am being penalized because of a system error, which is not my fault. Again had they not just sent me an email stating that my payment was applied I would of known to check my account, or even if they had sent an email stating that there was an issue I would of checked my account, and made another payment and all of this would of been avoided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclays and the " office of the President '' keep blowing me off, but they are going to get a lawsuit if this is not dealt with and completely resolved off my credit report by XX/XX/XXXX. To be crystal clear ***I NEED TO SEE A FULL YEAR OF CREDIT CARD STATEMENTS FOR XXXX OR I WILL BE FILING A LAWSUIT FOR FRAUD AND WILLFUL NEGLIGENCE. *** And do not dodge this request, XXXX, or ignore my phone calls or emails again, or this will escalate into a lawsuit and Barclays will lose. The fact that I've had to file consecutive complaints through the XXXX just to get through to them at all speaks volumes about the level of XXXXXXXX XXXX that is going on and they are going to pay for it. If more details are needed - see my previous 2 complaints as this is a systemic failure on every single level. XXXX is supposed to protect consumers and that is not what is happening. THIS IS NOT OK!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
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: XXXX XXXX double charged my Barclays Mastercard by {$330.00} on XX/XX/2023. I contacted the airline on various occasions and each time they informed me they only charged me once and I had to resolve with Barclays, despite it showing up twice on my Mastercard. I submitted a dispute with the bank, who declined my inquiry. I have receipts and proof of the correct charges, however Barclays will not resolve. My receipt states {$330.00} despite being charged {$660.00}. I have called Barclays to escalate without success. I have asked Barclays to yield proof from the merchant, but they havent been able to provide that. Instead. Im being charged and forced to pay without a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
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/2022 my wife, my son and myself used three credit cars to make a purchase with XXXX XXXX XXXX in XXXX XXXX XXXX The original charge was approximately {$15000.00} split fairly evenly between the three cards. After the company failed to produce the product as agreed upon in the contract, we attempted to contact company via email, phone and text and could never make contact or receive any call back or email. In XX/XX/2022, all three of the cards used put in a fraud claim with their credit card companies and we each received confirmation of a provisional credit by around XX/XX/2022. My letter from Barclays was dated XX/XX/2022. My actual credit came on XX/XX/2022. My card alone had the charge reversed on XX/XX/2022 XXXX 's said the charge was valid. This came despite the fact that I have received nothing up to this date. 12 CFR 1026.13 ( a ) ( 3 ) states a billing error for a service not delivered to the consumer as agreed. I would appreciate your assistance in this matter. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 845XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A