Date Received: 2023-02-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received a Bill From Barclay for My XXXX XXXX XXXX ( ending in XXXX ) for an annual fee. I never use the card so I called to close it on XX/XX/XXXX. I told them that I wanted to close the card and asked to have the annual fee and any late fees removed and my account closed. They indicated that would happen. It apparently did not, because I continue to get emails of past due and now my credit has been ruined from NEAR perfect score!!!!!! I am now getting called by companies to help with my debt issues. BUT I HAVE NO ISSUES WITH DEBT. I HAVE AN ISSUE WITH A CREDIT CARD THAT IS HOLDING ME HOSTAGE AND RUINING MY CREDIT RATING. I have called them no less than 4 times including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called all these numbers : XXXX, XXXX, XXXX, and contine to have them say they will deal with it but they don't. When I called on XX/XX/XXXX, I held for a Supervisor for 10 min. They came on the line after 10 or more minutes and said there was not a Supervisor available, but they would call me back that day. They did not. I called today and they act like they are just now looking into this ( bcz I am calling ) and my call on XX/XX/XXXX asking for the card to be cancelled. " It will be reviewed '' I said " why does it take almost 2 months to cancel my card and in the mean time ruin my Perfect Credt Score?? '' " What do I have to pay you to make this nonsense stop??? '' I told them I was contacting you to report them! Again they say a Supervisor will reach out to me. I asked her today what is the RANSOM I need to pay to be let out of this Credit Card????? I WANT THEM OUT OF MY LIFE AND I WANT THEM TO RESTORE MY EXCELLENT CREDIT!!!!!! NOW!!!!!!! I have another Barclay XXXX I constantly use AND PAY OFF EVERY MONTH TO THE TUNE OF SEVERAL THOUSAND DOLLARS! You can tell Barclay that I will be cancelling that one as well because of the way I am being treated after being a customer with them FOR DECADES!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85711
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays Wyndham Rewards Card ending in XXXX XXXX Stayed at XXXX XXXX XXXX XXXX XXXX XXXX POINTS. NO CHARGE on checkout receipt. XX/XX/XXXX XXXX from XXXX of {$76.00} from XX/XX/XXXX on Barclay 's XXXX bill. Called Barclays, called hotel as they requested. Spoke with clerk, who confirmed no charges generated from hotel. XX/XX/XXXX Called XXXX, spoke with manager, who confirmed NO {$76.00} charge from hotel, points were used, emailed me copy of XXXX balance bill. Bill and cover letter sent to Barclays. XX/XX/XXXX XXXX dated XX/XX/XXXX from Barclays, NO credit due to " not provided with proof of altered amount or paid for by other means ''. Called Barclays supervisor XXXX, she confirmed that points were used for stay, stated this is not a disputed but a fraudulent charge, would place fraud report, close card, issue another one. New card received in 1 week. XX/XX/XXXX Same fraud charge on XXXX bill. Called XXXX at Barclays, he stated fraud refund was in process for XXXX. XX/XX/XXXX Amount of XXXX Bill, called Barclays, spoke with XXXX and her supervisor. They state dispute was closed, charge is due, no record of fraud report. I have been victimized by fraud and Barclays, was in XXXX NM on XX/XX/XXXX and have proof of points used and no bill from XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92107
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX my wife and I booked a trip to XXXX from XXXX, XXXX, using our Barclay 's Bank " Luxury Card '' credit card rewards program XXXX XXXX XXXX XXXX ). We redeemed XXXX points and paid {$1500.00} out of pocket for the trip. We reviewed the available options for hours prior to booking, specifically seeking the best possible flight that had a refundable ticket option. We paid an additional premium over the standard fair of roughly ~ {$200.00} per ticket for the refundable fare classes on both legs of the journey. The Luxury Card rewards program website " rewards terms of service '' state that " All reservations are final and non-refundable unless a refundable ticket is redeemed. Cardmembers who wish to cancel a reservation will forfeit their rewards redeemed for that reservation and may incur additional supplier fees. '' After reading this, we assumed that our refundable ticket would be indeed refundable. Little did we know or understand, the booking was completed by a third party with its own terms of service, which state that all bookings are nonrefundable. The URL showed XXXX XXXX XXXX XXXX XXXX' so we had no reason to believe we were subject to a new set of terms and conditions. Ultimately, we had to cancel the flight due to my wife being pregnant with twins and being due to deliver earlier than expected ( which is also why we specifically booked refundable tickets ). I cancelled the flight directly on the airline 's website ( XXXX ), which is said I had to do in order to request a refund. XXXX issued us a flight credit to rebook a flight on their airline by end of XXXX ( which we have no intent to do and no use for this credit ). I completed their refund request form, following the instructions on the website. The refund request was subsequently denied and their refunds team said that the " travel agent '' had to request the refund on my behalf. I shared this information with the Luxury Card concierge agents whom I had been in contact with as well, in an effort to get the refund issued. The Luxury Card team issued me a case number and said they would look into it to get the refund and try to get us an exception to their policy of forfeiting points if a booking is cancelled. The case failed to produce any results, so I escalated to a supervisor on the phone. The supervisor informed me that the second ( return ) leg of the trip, which was booked on XXXX XXXX XXXX XXXX, was not a refundable fair type and that it was the reason XXXX wouldn't issue a refund for the booking. I asked how this was possible when I specifically paid more for the refundable fair, and he couldn't provide an answer. In fact, we wouldn't have even been able to select our seats on that flight had we not selected the " Flex '' class of service, which had " refunds '' listed in its included features with a green checkmark ( an example of this is shown in the attachments on a different flight ). The supervisor also couldn't explain why they sell " refundable '' tickets at a higher cost than normal tickets if their terms of service policy is to provide no refunds and supersedes any other conditions. He also couldn't explain how their policy of forfeiting points on cancelled trips also applied to the value of cash used in addition to points to complete a booking. This all seems highly suspicious and predatory. It's evident that they pocketed the additional premium we paid for the refundable tickets on the second leg of the journey ( first leg did show as refundable, despite not working ) when they booked the tickets on our behalf. The supervisor agreed with me that them selling " refundable '' ticket options was misleading and that he would escalate it internally for informational purposes, but still could not offer us a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I recently noticed a credit card inquiry for Barclays listed on my credit bureaus reports I contacted Barclays and requested that they remove the credit inquiry because I did not authorize it and it was as a result of fraud Barclays responded in writing on XX/XX/2023 and advised me to call them if the credit inquiry was a result of fraudulent activity. I contacted Barclay on many occasions including today, XX/XX/2023 and I spoke to XXXX in the customer security department who advised that she would not assist me and abruptly disconnected the call while I was requesting her assistance. This company has refused to address my concerns and to remove the credit inquiry from my credit bureau reports and their fraud representatives have refused to process my requests. See attached notice from Barclays :
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: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My credit card application was denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33135
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My payments for Barclays ( Old Navy Navyist ) have been on autopay for the past several months. The payments are submitted/received every 4 weeks. I set this up after my credit line being switched over to Barclays and my due date being switched. I was not informed of the switch prior to it happening. This caused me to have two minimum payments due in one month. I called and spoke with a representative at that time who explained the switch up of due dates was because of the credit line being switched to a new lender. After adjusting my monthly payment due date to the XXXX of each month to line up with my autopay I left it alone. I confirmed that everything would be fine going forward. I have not had any issues with my autopay or payments being applied correctly until XX/XX/2023. Due to the fact that Barclays received my payment on XX/XX/2023, they are reporting that it was applied during my last billing cycle ( XX/XX/2023. They received my XXXX payment on XX/XX/2023 ), so there is another payment due on XX/XX/2023. I called and asked for explanation. They explained it was due to my billing cycle close date. I asked if the funds could be applied towards my XXXX balance due, for which it was intended. It was explained to me that there is nothing that they can do on their end because that is just how the system works. I asked who created /monitors the system because while it may run itself, there has to be some type of human interaction for when things go awry. They explained there is nothing more they can do for me, so I informed them that I needed to close the account and that I would be reporting their business tactics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XXXX XXXXXXXX XXXX XXXX XXXX Card debited my acocunt with {$15000.00} for a balance transfer to by XXXX XXXX XXXX XXXXThey also applied a 5 % fee of {$750.00} for this balance transfer At a date of approximately XXXX XXXX I called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card. I was told to be patient as it can take up four weeks. On XXXX XXXX, I once again called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card. I was provided a case number and advised that I would be provided with proof of payment in 7 to 10 days. During this call, I confirmed thatA Advantage Aviator Credit Card had the correct account number at XXXX XXXX Credit Card. On XXXX XXXX, once again called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card and also that I have never received the requested proof of payment. I also notified the representative that I was upset and would be making a complaint to the CFPB. I was given a new case number. As at XXXX XX/XX/2023, I still have not heard from AAdvantage Aviator Credit Card My credit agency reports are incorrectly showing that I owe AAAdvantage Aviator Credit Card and XXXX XXXX XXXX XXXX {$15000.00} each I have paid AAdvantage Aviator Credit Card {$750.00} as a fee for the balance transfer while I am continuing to pay XXXX XXXX Credit Card monthly interest on the {$15000.00} The interest fee period that I agreed to with AAdvantage Aviator Credit Card started in XXXX but I am still paying interest to XXXX XXXX Credit Card as the funds have never been applied to that account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A check was mailed to Barclay card on XX/XX/XXXX for XXXX to pay off the balance of the credit card. The check was received by Barclay and CASHED by Barclay on XX/XX/XXXX. The already cashed check has still not been credited to my credit card account as of XX/XX/XXXX. I have called four times and used the chat function once. Each time Ive been told they dont have a record of the check on my account and I need to wait a few more business days for the check to be credited to my account. The billing cycle closed 11 days after Barclay cashed my check and I was charged interest in the money they have but have not credited my account with. The second billing cycle since my check has been cashed is about to close and Im still getting the run around every time I call. I attached a photo of the cash check showing it was cashed on XX/XX/XXXX and the statement from Barclay card showing the payment not credited to my account dated XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98926
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: ON XX/XX/2023, I CALLED XXXX CREDIT CARD XXXX IN HOPES OF GETTING ASSISTANCE WITH LOWERING MY MONTHLY PAYMENT. WHEN I CALLED, THEY INFORMED ME THAT THERE WAS NOTHING THAT THEY COULD DO TO ASSIST ME. IF I WANTED TO LOWER MY APR, I WOULD NEED TO DO DEBT CONSOLIDATION. THEY DID NOT HAVE A HARDSHIP PROGRAM. IF MY ACCOUNT WAS IN COLLECTION, THEY COULD ASSIST. I EXPLAINED TO THEM THAT DUE TO MY MOTHER BEING DIAGNOSED WITH XXXX, I HAD TO PAY HER BILLS. I HAVE BEEN PAYING MY BILL ON TIME, IF NOT EARLY, FOR YEARS. I WANT TO PROTECT MY CREDIT, AND I AM WILLING TO CONTINUE STILL TO PAY ; HOWEVER, I NEED ASSISTANCE. I WOULD HAVE THOUGHT THAT THEY WOULD HAVE ATTEMPTED TO ASSIST ME IN MY TIME OF NEED. XXXX ( ID # XXXX ), A SUPERVISOR WITH XXXX, INFORMED ME THAT THERE WAS ABSOLUTELY NOTHING THAT THEY COULD DO TO ASSIST ME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have two credit card accounts. I have had them for several years and represent in total a credit line of {$30000.00}. I have used their auto bill pay services for these accounts. As of XX/XX/2022, Barclays issued a automatic payment on one account of more than {$8000.00}. The normal reoccurring payments for this account were just a few hundred dollars. I contacted Barclays immediately by phone ( within 24 hours ) before the payment was processed ; I receive notifications in advance by email. They would not correct their error and reverse the payment. I contacted my bank before they had processed the payment to have return the remittance advice. Allowing the payment to process would have started a waterfall of overdrafts and fees. The said they had to allow the payment to process but would reverse it expeditiously. Which the did. Barclays subsequently canceled my autopay on all accounts; including the unaffected credit account. I discovered this in XXXX when my supposedly auto payment was processed. I incurred a late fee and a negative credit report. I then contacted them several times ( seven ) by phone. They acknowledged the problem. I attempted to make significant payments {$10000.00} total but Barclays had blocked my bank account and could not find a way to unblock ( supposedly ). The payment on my other account came due and it went past due. This was three weeks after I contacted before several times. As of now I have two credit lines on which I am being charged very high interest but Barclays wont accept my payments any longer. I have spent hours on the phone and several cases have been created but the management seems too busy to address on my numerous phone calls ( all incurring roaming charges for being out of country ). The duration from the point of their initial failure to currently is two months. I have elected to make payments from restricted accounts of which incur fees. I have no confidence Barclays will resolve. The are off the charts in terms of being difficult to business with and their lack of management is costing me significant time and money. I have taken the steps to redirect my business elsewhere because I am lucky enough to be able to. I feel sorry for others less fortunate and have to deal with the systemic management disinterest and XXXX fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A