Date Received: 2024-02-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for an XXXX XXXX XXXX card ( issued by Barclays ) in XXXX, 2023 after receiving the application on an XXXX XXXX flight and being promised XXXX miles if I made any purchase within 90 days of card issuance. I completed the application properly, including my mailing address where I've resided for nearly 30 years. I never received my card within that 90 days, or at any time thereafter until I called in early XXXX. I called Barclays and had trouble getting through to Customer Service because they couldn't verify my account because the address I provided during the call did not match the address they had associated with my account. It became immediately evident that they'd entered the wrong address for me when setting up the account. I corrected this information during that call, so they issued me a " new '' card. But this also explains why I never received my card, since it had been mailed to the incorrect address they entered for me. Once this was cleared up, I asked that they be sure to add my XXXX miles as soon as I received my card and made my first purchase. They refused to do that because I hadn't made a purchase within 90 days of their initial issuance of the card which, due to their own address entry error, they had never mailed to my correct address. It is fraudulent for them to break their agreement when they made it impossible for me to make a required purchase due to their own failure to send my card to the correct address. Barclays refuses to take responsibility and will not allow me to communicate with anyone with authority to correct this error. They have also refused to send me a copy of my application which would reveal that I inserted my correct address and the account setup error resulting in them not sending me my card took place on their end, thus making it impossible for me to comply with their 90 day purchase condition. I am entitled to my miles, as this is the ONLY reason I applied for this card. They fall back on the argument that I should have called sooner. Aside from the fact that this is an irrelevant and spurious argument and not a legal condition of the agreement, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53142
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a hard inquiry into my credit from Barclays since XXXX. I understand that it can only remain on my credit for 2 years. This information continues to appear on my credit report in XXXX. They will expire and must be removed. Even though I wrote to Barclays, they have not taken action regarding this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: According to Barclay associate, on XX/XX/XXXX at XXXX there was a fraudulent ATM cash advance of {$500.00} that occurred at the above address ( which points out to XXXX XXXX XXXX using my Barclay card with account ending XXXX. I did not personally or have authorized someone make ATM cash advance using this credit card. I was at a XXXX party at that time with coworkers and had the card with me all the time. I have not used the card since XX/XX/XXXX as the card has been paid in full. The timeline relating to the incident were : XX/XX/XXXX approximately XXXX XXXX to XXXX XXXX, I was at home sleeping after a 16 hour shift. I live alone and nobody come to my apartment. XX/XX/XXXX at approximately XXXX XXXX, I left my apartment to go to my coworker 's XXXX party. XX/XX/XXXX at approximately XXXX XXXX, I arrived at the party. XX/XX/XXXX at XXXX XXXX, Barclaycard Ring sent me an email ( which I only read on XX/XX/XXXX ) stating my Barclaycard ending in XXXX is now active and ready to use. This is not possible as that account have been active for a while since XX/XX/XXXX. XX/XX/XXXX at XXXXXXXX XXXX Barclaycard Ring sent me an email ( which I only read on XX/XX/XXXX ) stating my PIN was changed on XX/XX/XXXX. It was only XX/XX/XXXX, How can I change a PIN in the future on XX/XX/XXXX? I did not authorize anybody nor myself to change a Barclaycard PIN in the last 6 months. XX/XX/XXXX at XXXXXXXX XXXX Barclaycard Ring sent me an email ( which I read the next day, XX/XX/XXXX, which prompted me to report the fraud right away ) flagging my account for possible fraud. XX/XX/XXXX at XXXXXXXX XXXX, an ATM cash advance was made using my Barclaycard according to Barclay customer service/fraud department . ( This information was made known to me when I called Barclay on XX/XX/XXXX ). XX/XX/XXXX at XXXX XXXX, I read an email about possible fraud, logged to see my Barclay account ending in XXXX and found out there were multiple fraudulent transactions on XX/XX/XXXX from what I remember XXXX, ATM cash advance ( unknown ATM bank ), XXXX, and others amounting to $ XXXX. I immediately called Barclay to dispute this transaction as I have not made them nor authorize anybody to do them. After a few days, Barclay reversed everything and removed the fraudulent transactions. Barclay ordered a new card on XX/XX/XXXX with account ending in XXXX to be sent to me, which I immediately locked using Barclay app so no one can use it. I believe I received the replacement card ending in XXXX on XX/XX/XXXX and remained locked. XX/XX/XXXX at XXXXXXXX XXXX, I read a Barclay email telling me to set up an automatic payment. Knowing I did not have any balance as paind my card in full a few months ago last year, I logged in to Barclays only to find out Barclay put the ATM cash advance of {$500.00} ( for XX/XX/XXXX ) and {$3.00} ATM fee ( XX/XX/XXXX ) back to my account. XX/XX/XXXX at XXXXXXXX XXXX, I immediately called Barclay to get more information. However, I was told the transaction was valid and that my card was used. I explained to them how it was not possible due to the circumstances and without my authorization when the alleged ATM cash advance happened. I also discussed with them the emails they sent me about fraud and yet they failed to block the account to keep fraud from happening. I questioned them how they failed to alert me via text message as my account was set up to that. Also, Barclay failed to tell me the name of the ATM bank ( but address points to XXXX XXXX XXXX as they said they can not disclose that information. I filled a police report to identify the suspect involved in withdrawing cash using my card, even though the card was with me during the incident and did not authorize anybody to use it. I believe that Barclay failed to protect my account even after the fact the account has been flagged for fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/year> I spoke with an agent to enquire why I am unable to use the balance transfer option to pay down loan as this is listed as an option on my online account. The agent stated that they are unable to pay loan using balance transfer however this was not found on the balance transfer section on my main page. This also was not in the promotional emails I received nor was this in the " transfer a balance '' screen where it prompts that I can input information to send funds to a loan. I have tried to do this many times and previously I was offered a balance transfer to my checking account. I feel as though Barclay should honor the offer that they had sent to me for this 0 % balance transfer with the promotional rate until XX/XX/year> as they had sent to me via email and on my online account to be utilized for my loan. When trying to input my loan number the only information that I received was to enter a valid account number and the institutions information which I had done. When I spoke with the agent I asked if there was anyone else I could speak to so that this could be done as I felt as though it was deceptive that this was the offer that I received and I am not able to utilize this due to no fault of my own as even on my statement it does not explain this. The agent advised that no one would be able to assist with making this change however this again is what I was offered and I just would like to use the balance transfer offered as it is promotional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On Wednesday, XX/XX/XXXX, XXXX XXXX, I contacted Banana Republic Barclays US about a {$2.00} Minimum Charge fee on my Mastercard, charged on XX/XX/XXXX, and listed on my Mastercard Statement, XX/XX/XXXXXXXX XXXX XXXX The representative, XXXX at ( XXXX ) XXXX, could not specifically direct me to where or when I was provided a disclosure for this additional fee. The representative could only point me to a page on the website related to APR interest and fee. The fees noted do not include a Minimum Charge fee. Additionally, I have my account opening disclosure documents and searched the Banana Republic Barclays US website regarding fees, and there is no disclosure about an additional Minimum Charge fee when only a minimum payment is made during a statement period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There is a Barclays account ending in XXXX that is fraudulently reporting on my credit report. I reached out to the company and they have sent back information with XXXX different addresses. This only proves my point that the account is fraudulent as I dont live in Florida or California , and they have statements and account setup there. This account needs to be removed from my reporting within 7 business days or I will take legal action due to the harm of my reputation that this report is causing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I did not receive a credit card bill from Aadvantage aviator Red Mastercard from Barclays for XXXX of XXXXXXXX When someone from Barclays called my cell phone from XXXX she identified herself as a customer service representative from AAdvantage and asked me to pay my bill. I put her on speaker phone so I have a witness. She called me on XX/XX/XXXX at XXXXXXXX XXXX. I explained to her that I had not received a bill in the mail for XXXX of XXXX. We spoke at length about my perfect payment record as I pay the entire amount owed every billing cycle in a timely fashion and have never been charged any interest. Barclays representative agreed to send me the bill for XXXX of XXXX. She also agreed to send me a bill for XXXX of XXXX with no interest charges for the missed bill of XXXX of XXXXXXXX She agreed to send me the corrected bills in seven to ten business days. The day after the phone conversation, I received a bill, via the US Postal service, for XX/XX/XXXX XXXX from Barclays with a previous balance of {$710.00} and interest charges of {$150.00}. To date, XX/XX/XXXX, Barclays has not sent me a bill for XXXX of XXXX so that I can pay it. I have right to know what the {$710.00} is for. Barclays has not performed as agreed. If they sent me a bill in XXXX of XXXX it should be easy for them to duplicate that bill and send it to me as they usually do every month. Also, they have not sent the agreed upon corrected bill for XXXX of XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone tried to open an account in my name at Old Navy ( Barclay Bank ). I contacted the credit card company and notified them these were opened without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have fraud protection with XXXX. Received an alert about a suspicious account and was directed to call Barclays about the account wrongfully being in my name. XXXX did all what they could do on their end and investigated. XXXX came back and stated to the account was legitimate. I then call Barclays myself using numbers XXXX and XXXX. They kept asking for the account ending numbers XXXX. I did not enter the numbers because I did not want to wrongfully activate this account that do no belong to me. Never got the opportunity to speak to a representative. Barclays sent me two letters saying they recognize the dispute but the account is accurate. Once again this is not true I have tried several times through both agencies to clear this up. Just now, I received another alert from XXXX that the same Barclays account ending in XXXX have a address on my profile. XXXX XXXX XXXX XXXX, PA XXXX. This is fraud. I know no one in that State and this account is not mine. This is the third agency I have reported to fraud too. Barclays was not helpful at all. I am doing everything to communicate this is fraud. Barclays have no proof the account belongs to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I rented a car in XXXX XXXX from XXXX XXXX XXXX. The automobile that I rented was stolen and after much prodding was given another vehicle. I paid all the fees for both the rental car that was stolen and the substitute car. According to the credit card company, because the rental car company will not provide the documentation, I can not receive the benefit. The rental car company insists that I owe them money, which I do not. I have a reconciled statement from a CPA indicating that, in fact, the rental car company owes me money. The rental car company refuses to cooperate and has threatened to take me to court. I have spoken with the credit card company on several occasions and despite all the documentation I have provided, they still refuse to move on the claim. They have the XXXX Insurance Claim that the damages were paid, photos of the damage, the paperwork that shows the stolen car and key to the car was returned. The amount of the benefit due me is {$800.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A