Date Received: 2023-01-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Dear Barclays XXXX, I am writing to dispute the interest charge on my credit card account due to financial hardship. I have been facing financial difficulties due to unemployment and unexpected bills such as XXXX bills for the kids and the newborn. My husband was away from home for his study and he to pay for housing, foods, etc. I honestly was not aware I was charging interest on my account until I recently checked and reviewing my account. I did not receive a notice that my account has been accruing interest. I believe it is unfair and has been a distress for me see my balance accruing interests. I have XXXX very young kids to take care of and this is a difficult situation along with the rising costs of inflation. Please understand my hardships and I believe that the interest charges on my account since XX/XX/2022 would be waived during the financial hardships. I know that I can talk to a representative, but they may not be able to help me because they do not have authority to waive the interests as requested. And if I sent a letter, it would probably get ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, I authorized a balance transfer from my XXXX XXXX credit card to a Barclays XXXX XXXX XXXX in the amount of XXXX. I was charged a fee of XXXX as well. As of XX/XX/XXXX, the balance has still not transfered. I have since had to pay the balance of the XXXX XXXX to avoid deferred interest, so my current XXXX XXXX balance is XXXX. Barclays will not reverse the balance transfer nor the fee. I reached out to them several times via chat to be told that it could take up to 21 days. On XX/XX/XXXX, I called and spoke to someone in person at Barclays who told me she was opening a case and it could take up to 3 weeks. At this point, I am being forced to make payments to Barclays for a balance transfer that never happened in addition to paying off the intended transfer to XXXX XXXX myself to avoid deferred interest.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My account was closed and I was put on a payment plan to pay off my balance - so I am forced to do everything over the phone because I do not have an online account. I need to update my payment method but every time I call, I get disconnected immediately. The rep either answers and says they are pulling up my info, then hangs up. Or it connects and there is silence until the call ends. Their inability to provide phone support is preventing me from paying my monthly bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06360
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Never applied for no old navy charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77705
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been disputing a charge on my credit cardas it is fraudulent ( this process resulted in me filing a complaint about this process but now my complaint is about my credit report and the calls that come in and are disconnected ). At this time, on my credit report, it now shows that Im delinquent on the card even though the status of my card should be indicated as being under investigation and not just failure to pay. I have been in this process for months. I have also asked for a phone call from the fraud department supervisor which was supposed to have been given to me within 1 to 5 business days, so Im still waiting for that phone call. In the meantime, I continue to get phone calls for this unpaid charge. The last 3 calls I answered were disconnected upon my answering. Is this an attempt to log calls being made to meyet not connecting me with anyone? The last 2 calls I made in return to those calls I was transferred to the fraud department and conveniently disconnected after being on hold. Tonight I called and asked it to be documented on my account but I have no confirmation that this happened. I was then transferred to the fraud department and after being on hold my call was disconnected once again. The amount of time I have wasted on the phone for nonsense is absurd. I still have no resolution but now am being harassed by phone calls that also end in being disconnected by the company or their poor phone system. I have to answer every potential telemarketing call because I am waiting for a call from a manager or supervisor from the fraud department but as I continue to answer these calls I become increasingly frustrated by the companys poor communication protocols, employees, and possibly equipment technical difficulties. Is anyone actually monitoring this company and the way they handle business and customers? Ive never dealt with any company that had such communication issues and I hope to never again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022 someone used my credit card for {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I put in a fraud case and was overturned saying it was me. I never ever was at a casino and no less taking a cash advance for {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
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: I recently disputed a charge posted on my account dated XX/XX/XXXX, totaling {$210.00}. XXXX originally flagged a transaction for XXXX XXXX totaling {$170.00}, located in California ( I reside in Texas ). Upon reviewing my account, I noted a charge for {$210.00} to XXXX XXXX XXXX XXXX was not recognized. Barclays noted the tickets at XXXX XXXX XXXX had been used and would not provide charge back the money despite it being fraud. On XX/XX/XXXX, I reached out to XXXX. They were able to provide me information on the business and the email address used. The business was XXXX XXXX XXXX, located in California. The email address used was XXXX. Upon receiving this information, I reached out to XXXX XXXX who stated they thought the transaction was fraud. Further research showed the email address used to purchase the ticket does not have an active domain. Additionally, XXXX XXXX is XXXX minutes from the fraud in California that Barclays acknowledged was fraud. On XX/XX/XXXX, I was seeing a movie in Texas. On XX/XX/XXXX, I faxed Barclays a copy of all of the information I had compiled. This included the emails from XXXX, the acknowledgement of fraud from XXXX XXXX, the red-flags concerning the email address, and the close proximity of the disputed transaction to the fraud at XXXX XXXX 's. Additionally, my XXXX credit card statements showing I was in Texas at a movie theater on XX/XX/XXXX. Despite sending the fax at my own expense and calling them, I have not received any updates. Barclays has stated I will need to call in periodically. They do not seem to be able to reach out and I find it frustrating I had to call in to confirm they got my fax.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: While on a flight back from Hawaii. XXXX XXXX promoted a promotion on the airplane if you get approved for a credit card you woul receive points enough for a round trip. Those points where never applied to the account they also advertised 50 % off a companion ticket and they also did not apply that. I have spoken to countless representatives and they have not applied the points or discount. This company was misleading at the time of offer. Please see attatched advertised pamphlet that they handed out in flight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: date : XX/XX/XXXX amount : {$89.00} Company : BARCLAYS reported the late fee payment on my credit report Action : I did not have the late payment to BARCLAYS as I did provide my credit card to their customer service to charge back within the timeline and received a confirmation code that had been paid during the phone call, however they could not locate the cost after that as they needed a debit card but not credit card, finally they reported the late payment without the communication with me first. BARCLAYS had agreed to remove the late payment history from my account as I did pay timely after the communication. Please find a letter from BARCLAYS as attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
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: Back on XX/XX/2021, I paid a company called XXXX XXXX XXXX, a total of {$5000.00} and another {$800.00} to their associated firmed called, XXXX XXXX XXXX, and I was mislead to belief that they would release me from my Time Share. I made several complaints to both companies by phone and in writing complaining of their failure to deliver on their service. I requested reimbursement from XXXX XXXX XXXX. My complaints went unanswered and I filed a complaint with Attorney General 's office of Texas and Missouri on both companies. I called XXXX and made a claim. I received {$800.00} reimbursement but not the {$5000.00}. XXXX denied my {$5000.00} claim by explaining that it was past the timeframe, yet I received the {$800.00}, both were submitted at the same time. I don't know how a well known company such as XXXX is doing business with a fraudulent company scamming seniors and yet, I have a long history ( over XXXX XXXX XXXX paying XXXX for services. Any help to recover {$5000.00} from XXXX will be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A