Date Received: 2023-01-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I apply for a credit card from Frontier Airlines. They offer me this credit card but they never told me about {$89.00} dollars fee. So, never used the card and I have to pay this money. Unexpected fee?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: BarclayXXXX XXXX published closing date on my account is the XXXX of the month. The interest is charged on that date, listed on my statement each month. It has been posted in XXXX a day early. Customer Service from Barclays stated that the interest charge can be posted a day or two earlier. It has never been the historical case. The Customer Service XXXX with whom I spoke ( XXXX ) on XX/XX/XXXX stated that the inconsistency could not be explained. My complaint is that the interest charged is inconsistent with the closing date, therefore not an accurate date/interest charged amount as their web site posts, and what the Barclays Bank internal systems lists . Two sets of books is a practice not consistent with published financial statutes. Please advise. Note : The Customer Service XXXX mentioned an internal complaint would be noted on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2023-01-21
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: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX of XXXX, during a routine security clearance investigation, I was made aware of a credit card account in my name opened on XX/XX/XXXX. This account charged over XXXX dollars between XX/XX/XXXX and XX/XX/XXXX. These charged were made across California, Florida and Texas. At the time, I was completing pre-deployment work-ups in XXXX, VA and XXXX XXXX to the XXXX XXXX XXXX I provided this information to Barclays Bank XXXX Delaware, to include a letter from my ship on Command Letterhead showing that I was XXXX, however, the Bank 's response was that the application had my correct information, therefore I was liable for the charges. This communication occurred in XX/XX/XXXX. The bank provided me with the application and charges at this time. Upon review of the application, I saw that while my name, address and DOB were correct, all of the other information, to include phone numbers, email, and mother 's maiden name were incorrect. I reached back out to the bank via XXXX, but the bank again stated that this was not enough information to exonerate me of the charges. Finally, after repeated attempts to ascertain what information would be sufficient to indicate these charges could not and were not me, the bank stopped returning my phone calls. I am attaching my correspondence with the bank, my letter from my ship, the balance statements, and the application to support this claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02840
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX, I was approved for an Old Navy store Visa. At the time of application and approval, it was through Synchrony Bank and the card could only be used with Old Navy brand stores. At some point, the status of this credit account changed without my permission or knowledge. According to Old Navy customer service, it was in XX/XX/2021. My account changed from a XXXX store credit card, to a Barclays Mastercard that can be used at ANY place that takes Mastercard. Additionally, I never physically received the card. My complaint is the terms of my credit application changed without my permission. This introduced additional credit responsibility and risk as this card can be used anywhere, not just Old Navy. There was at the time, and remains a XXXX outstanding balance on the old and new accounts. Again, I did not authorize this change in my credit standing. I called and closed the account today when I learned what happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
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, 2022 - invitation to meeting for vacation in XXXX XXXX XXXX TX with XXXX Wyndham . Time share presentation with beautiful promises and as well Misrepresentation of the plan system along with Non disclosure of important keys information such as cancellation policy window of 5 days before contract is binding possibly intentional and told customer that they can cancel anytime instead if they do not like it. - Credit card Barclays Wyndham rewards, partner of the resort, is used as enforcer by harrasing customer with day and night phone calls, damaging my credit status to pay back a hefty down payment of $ XXXXplaced on my account with no proper consent and authorization to open a new credit card. The request was toobtain personal information to check our credit status. - after several requaest by phone and in writing to Credit card and merchant Wyndham the charge remaines onthe credit card statement. Initially on XX/XX/XXXX, credit card company sent a letter of clearing the balance and closed the account, and after reopenned a new account some of the carges by the mercahant and re posted the initial down payment charges to the new card. No clear reason!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79761
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I tried to open a credit card account but was denied. They stated I had a card in XXXX that I never had. I have been trying to remove the fraudulent information but keep getting the run around. No one can help me there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have been reaching out to Barclays for some time already and inquiring about my XXXX miles promotional offer by completing the following terms 1. Pay annual fee of {$89.00} 2. Spending {$3000.00} in 90 days. My statement closes every XXXX of every month, today is the XXXX and my promotional offer of XXXX miles has not posted yet to my Miles & More account. I call Barclays and all I get are transferring of calls and the run around. I need straight to the point, accurate and clear answers.
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: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Interest rate starting at 3.99 when account opened. Then increasing without my knowledge to 29.99 %. Very alarming amount. I would like to close this account and remove the high interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I noticed a new Credit Card was opened on XX/XX/XXXX with Barclays Bank Delaware, address po box XXXX, XXXX, DE XXXX by reviewing my credit report monthly. I didn't recognize this card and knew it's fraud as I didn't request to open any credit. So I submitted a dispute to the XXXX credit reporting agencies in separate dates : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I received a letter from Barclays Bank Delaware dated XX/XX/XXXX stating that " they received my dispute but confirmed that my account information is being reported accurately after they did an investigation '', and this letter also states it is a " Frontier Airlines XXXX XXXX ''. I called the Barclays Bank Delaware Customer Service number XXXX on XX/XX/XXXX ( same day I received its letter ) to report a fraudulent activity and got to speak with its representative named XXXX. She said the account was closed so I should not worry as no one could use it. I asked further question about the reason for the account closure as I knew if the account was close due to the request of the account holder, that would be negatively impact on my credit history. I wanted to make sure the account was close due to fraudulent activity. However, she could not verify that reason rather than confirmed account closed. After the phone call, I didn't feel confident with the phone-reporting, I wrote and mailed the a letter to request for re-opening an investigation as it's a fraud, I mailed the letter on XX/XX/XXXX. Additionally, while I was waiting on phone to speak to its person, I got to know that the card has {$89.00} balance and {$400.00} cash withdraw, however I never received this card. While I was waiting for the dispute result after mailing the letter to Barclays Bank Delaware, I consistently received the letter from them again dated XX/XX/XXXX and XX/XX/XXXX stating the same thing " They received and acknowledged my dispute but confirmed that my account information is being reported accurately after they did an investigation ''. Additionally, I received two dispute results from XXXX and XXXX. XXXX result shows ; " The Information you disputed has been verified as accurate but information unrelated to your dispute has been updated with the results, THIS ITEMS HAS BEEN DELETED FROM THE CREDIT LINE ''. XXXX results shows : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. On XX/XX/XXXX, I sent a second request to dispute this card to Barclays Bank Delaware, after receiving two of its letter confirming my account is reported accurately plus the disputes with two credit reporting agencies were not successful. I decided to report another identify thief to your portal to protect myself. I am still waiting for XXXX dispute results, and response from Barclays Bank Delaware after I sent two letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87109
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
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 XXXX- {$6000.00} The above charge was found on my credit card after an audit. I reported this charge to XXXX XXXX XXXX XXXX as soon as I found it. I've reached out to the merchant, and have not received any response. After reporting this charge I received a letter from XXXX declining my claim for fraud, stating that I had made payments on my credit card with my debit card, so it was not fraud. I don't understand how I am being penalized for paying my credit card on time, as I always do. I called back to explain to the representative that this is unacceptable and I need a resolution. I noticed this charge after I had an audit, which is why I continued to pay my credit card on time, they claimed to understand where I was coming from. I re-opened the fraud investigation, only to receive the same letter denying my claim, due to me paying. I spent hours on the phone, not on one occasion, but two and nothing has been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02816
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A