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: I am currently being charged for a subscription with Wyndham XXXX. I have disputed this once on XXXX and again on XX/XX/ with Barclays. On XX/XX/ I was told I have a subscription with them and they can't stop it even though I have closed and card and notified Wyndham that I wanted to cancel the subscription. Wyndham has said I can not cancel. This is a " Wyndham XXXX '' Barclays Credit Card and they say I must continue to be charged by Wyndham. I am currently going through the legal system to cancel this subscription and do not want to continue to be charged on this closed account. Doesn't the credit card do anything to protect my rights?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2023-02-15
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: Overcharged for something you did purchase with the card
Consumer Complaint: I was traveling internationally in XXXX, XXXX when this charge occurred. I purchased two small rugs at what should have been a total of XXXX rupees ( roughly {$120.00} USD ). The vendor said they would package my rugs and receipt to take on the plane. However, when I saw my credit card statement in the subsequent weeks ( after arriving back to the US ), the vendor had charged me XXXX rupees ( roughly {$1200.00} USD ). There was no receipt packaged with my rugs and no way to contact the vendor directly. My next step was to dispute this charge with my longtime credit card provider, but the claim was denied because they are " unable to accept estimated amounts. '' I was pretty upset about for a few reasons : 1. we use this card frequently, keeping and making payment on fairly substantial credit amounts 2. more importantly, it is an estimated amount because of the conversion rate! The vendor 's offer was in rupees, which according to today 's ( XX/XX/2023 ) exchange rate, is {$120.00} at XXXX rupees. The rate for XXXX rupees at the time of the charge ( according to my statement ) was {$1200.00}. I am disputing {$1000.00} which is a lesser amount when compared with recent conversion rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called Barclays Bank regarding a GAP store card on XX/XX/XXXX. I had received a letter from Barclays stating that I could call to remove myself as an Authorized user that I was an account on that was closed. While on the phone with the initial Barclays rep, I made my intentions known and was told that I needed to be transferred to another department because of the account status. I was then transferred to a man and I immediately let my intentions be known again I am trying to remove myself as an authorized user he told me that since I was not the account owner, I needed to call him back with the account holder present and gave me a phone number so that he could assist me. He never said that he didnt have the ability to remove me as authorized user when those were clear stated intentions. I had also already given the last four of the social/DOB/phone numbers to the Barclays automated service and the initial rep. I called back the next day ( XX/XX/XXXX ) and spoke to another woman and again told her my intentions, I spoke to XXXX XXXX yesterday and he said I could call back with the account holder so I could remove myself as an authorized user the lady then proceeded to get everything from the account holder such as birthday, full address, and phone number. The lady then asked if it was okay to call me in 7 days and I asked what would you need to be calling me for and she said things regarding payment she then proceeded to go over account balance etc. etc. I asked her, I do not need the account balance, I am calling to remove myself as an authorized user which I clearly stated to XXXX XXXX the day before and to her as soon as I got on the phone. She then stated, after she had the account holder verify her info, that she couldnt remove me as an authorized user. I was then escalated to another woman for the same company who was apart of claims/complaints and she stated that XXXX XXXX nor the lady I spoke to previously said that they could remove me as an authorized user. I stated to her that those were my intentions immediately getting on the phone and that could have been said to me right away. I would not have had the account holder verify any information. The account holder is a senior citizen and can easily be taken advantage of. I feel as though I was mislead into believing they could remove me as an authorized user as on XX/XX/XXXX, I was led to believe I was still talking to a Barclays/GAP representative XXXX I was transferred internally to my knowledge. The lady I was escalated to on XX/XX/XXXX replayed the phone conversation at my request as I claimed that XXXX XXXX did not state who he was or who he worked for when I was transferred to him on XX/XX/XXXX, he did not state his name in the beginning nor did he say his company he was affiliated with nor did he say he was attempting to collect a debt. Somehow, in the phone conversation she replayed, he magically said all this at the beginning. It is simply untrue and when she replayed the call for me, the beginning part sounded muffled and then magically when I started speaking, it went to normal. I truly believe they played a recording of XXXX XXXX voice and then started playing our actual conversation. I remember feeling confused when I dialed the number XXXX XXXX gave me because of the intro for XXXX XXXX when I was expecting it to be Barclays. He absolutely did not state he was from that company when I spoke to him. I believe the deceptively incorporated that into the playback. The lady I was escalated too actually said that she would need to hang up with me to find the call and then call me back, which she did. Somehow when I asked her to play the recording from XX/XX/XXXX of her co-worker that I had just spoken to before I spoke to her, she was able to find it almost immediately while I was still on the phone but had to hang up and call me back to find the conversation I had with XXXX XXXX. I feel they had two opportunities to tell me I was not able to removed as an authorized user by them but failed to do so. I was only told this information after the account holder essentially verified the debt and even then after she finished answering the questions to verify, the lady immediately went into account balance completely ignoring my intentions for calling in the first place. I had to bring it up again myself and THEN she said that she could not remove me. I ended up calling back Barclays and asking to speak to a supervisor who eventually removed me as an authorized user but feel mislead by Barclays too as they did not state they were transferring me to an external collection agency during my initial call on XX/XX/XXXX. I was able to get recordings of phone conversations today of my interactions. I feel I was extremely mislead and straight up lied to by XXXX XXXX XXXX. They deceptively got me to verify a debt and now I know they will be hounding the phone number provided to them, they have my phone number as well as the lady I spoke with called it back to me. I have nothing to do with this account. I got a couple of operator IDs from Barclays and the supervisor, named XXXX went back and forth whether or not one of them was XXXX XXXX. The numbers she gave me were : XXXX ( or possibly XXXX ) & XXXX. I also filed a complaint with Barclays while on the phone with XXXX detailing my experience and she assigned me the ComplaintID of : XXXX. I will attach the letter from Barclays saying that I needed to call their customer service to remove myself as an XXXX. I also have phone conversations recorded that I can provide if necessary as I can not upload them here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: BARCLAYS BANK DELAWARE, XXXX, XXXX XXXX XXXX & fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX XXXXXXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given BARCLAYS BANK DELAWARE, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was not given proper notice by Old Navy and Barclays that Old Navy 's credit card services was being transferred to Barclays and that my automatic payments would end. I only became aware of this when my credit score dropped XXXX points because of one missed payment by Old Navy Barclays. I immediately paid my credit card balance. I've contacted Barclays and Old Navy and neither will help me. I've always paid my credit card balances in full by the due date and have always had an excellent credit score well over 800. I had an Old Navy paperless account but I should have been notified by email or something. This is wrong that I was never notified that my automatic payments would end and that I needed to set up new payments with Barclays. When my home mortgage changes servicing companies they always notify me about the transition and that my payments would need to be set up with the new company. Old Navy and/or Barclays should have done the same. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96793
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I'm requesting CFPB to assist me in the removal of old outdated reporting by XXXX XXXX. They have told me they would continue reporting it even being outdated and expired statue. I'm in my 60s there reporting this is keeping me from being the best I can by doing this they are stopping me from being accepted in assisted living centers and other areas of my life, its almost like they are flexing there power to control my life, and selling of this outdated info to reporting agencys and third partys is affecting my life & health. I have sent letters requesting this to take place but received nothing Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73112
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
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 have contacted Customer Support regarding dispute ( s ) filed and was informed that I would be receiving credit ( s ) back ( charge back in my favor ) however, credit ( s ) never posted. I have spoken to a Supervisor including, filing a complaint with the XXXX and issues have not been resolved. Since the issues have not been resolved, credit card was closed out and the annual fee has not been credit back as previously indicated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78526
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened a Barclays credit card in my name on XX/XX/XXXX with a credit limit of {$14000.00}. This was not me. I already had a credit alert on my name from XX/XX/XXXX after someone opened an XXXX account in my name. However, Barclays never contacted me for further Authentication when granting the $ XXXX credit card to the scam artist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: XX/XX/XXXX I noticed a hard inquiry on my credit report for a credit card application from Barclays Bank Delaware. I had not sent an application and promptly contacted Barclays bank that day. I was told I had made this application but I was able to prove I had not. Barclays agreed it was fraud and they would cancel the application and mark as fraud. I heard nothing until XX/XX/2023 I received a letter from Barclays Card services wanting more information for my Frontier Airlines Mastercard. I again contacted Barclays who said they have no record of this application, I read the application # XXXX to them which they accepted and said that application was cancelled. I informed I had a hard inquiry from them on my credit report that was identified as fraud and needed this inquiry removed from my credit history. I was told this was my responsibility and I could sent documentation to initiate a investigation. They had in their record that the app was fraud but insisted my credit report was my responsibility and all they could do was investigate to determine status. I need inquiry removed from credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: During the past XXXX months we have fallen behind paying our bills. We have been making double payments in an effort to get our monthly budget back on track. For the credit card company we are filing the complaint against the last time a payment was made was XX/XX/XXXX. The monthly due date is the eighth of the month. On XX/XX/XXXX, a large payment ( {$1500.00} ) was deducted from an alternate checking account without our consent ( Only XXXX of our XXXX checking accounts is used to pay all the bills ). The result was a negative balance and an insufficient funds fee of {$36.00}. We contacted the company and they agreed that it was an unauthorized payment made by phone ( we always pay online ) but it will take a few " cycles '' before the error can be corrected. The problem with this is that we have had a limited income, I have resumed working part-time after a period of inactivity due to circumstances beyond our control, and making payments to other credit card companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A