Date Received: 2023-01-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Barclays Bank stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Barclays Bank choose not to honor there agreement, I elect arbitration under good faith and they pay the fees. All payments should be returned, due to federal laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A charge to my account appeared in XX/XX/2022 and prior to that the last time I used this XXXX XXXX card from Barclays was XX/XX/2022. I also have not used the card after that fact, and Ive only used the card at XXXX XXXX. I disputed the charge in XXXX and it was refunded to me and then investigated it on their end. Then they charged me back, saying that it was not considered fraud without providing me with any proof or documentation or letter of explanation, just another credit card statement with the charge. I explained to them that the same dollar amount on the same date was also charged to my debit card as fraud with a different company name, and that the bank found it to be fraud and refunded me, they want proof that I did not make the purchase which clearly I dont have because I did not make the purchase. I am not quite sure how I can come up with documentation to prove that I did not in fact make a purchase that theyre saying that I did just because the company was able to come up with my mailing address and other information that clearly if they hit my debit card and my credit card that they have, I have received no product from that company or the company that was the name listed on my debit card and my bank refunded me but this credit card continues to hassle me for a fraudulent charge and Ive XXXX them XXXX times to get it resolved. This is how these people committing fraud get away with this and and keep their money. Ive asked to speak to a XXXX and nobody has contacted me. XXXX told XXXX business days. You cant speak to a supervisor or any XXXX. This is still a charge on my account. It is the only charge on this card and I dont want this to ruin my credit. Barclays is the worst credit card company to deal with and I would never recommend anyone get a card from them. They cant even email the department that researches the fraud, per my last call to them. Now they want me to write a letter to another department. What is their infrastructure? This is absurd and a terrible business model. Poor customer service and with this charge I cant even get them to close my account!
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: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclays Bank sold my credit card account to XXXX XXXX Bank in XXXX, XXXX. I made two payments to Barclays via XXXX XXXX XXXXXXXX electronic payments from my bank account in XXXX, XXXX and Barclays for 7 months told me and XXXX they never recieved the payments. I sent each Bank copies of XXXX XXXX XXXX XXXX Letters proving payment. Finally Barclays in XXXX, 2022 through thier Settlement Department admitted to me and XXXX that they transmitted electronically the payments to XXXX back in XXXX, XXXX through thier Trailing Payment System and stated dates. In XXXX, XXXX Comenity, in a conference call with me and Barclays, was to follow up with Barclays and together locate the funds. Comenity on XXXX notified me that they did not recieve the funds from Barclays and asked me to contact my Bank to review submission of payments. Barclays would not provide me with written evidence that they transmitted the funds, on my behalf to XXXX. One of these two banks has my payments and after dozens of emails and phone calls and letters, I am at a loss as to how to recover my payments or get credit. Each Bank points the finger at the other and all I get is a run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
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: On XX/XX/XXXX major fraud started on my account. My information was compromised and a fraudster added bank accounts to my account, made fraudulent payments, spent the money at XXXX stores and returned the large payments. They spent over my credit limit. My total balance was {$6100.00} before the fraud messed up my account. I received a letter in XXXX from XXXX saying they removed the fraud and I would not be responsible. However, my current total says {$9200.00} and is still showing the fraudulent payments and interest from fraud. My minimums went up and I still do not have the original balance plus my continued payments showing. I was also promised a new card was coming multiple times, monthly during the last 9 months. I have continuously called, emailed XXXX XXXX and presidents office. I have not received a call back from the presidents office for help. I received a letter that said there was nothing to change. Which is incorrect. I should not be punished for fraudulent activity, a closed account without my knowledge, no working card for 9 months, and have to track them down for help continuously. This needs to be fixed as soon as possible. This is ruining my credit score and i should not be punished for fraud or a companys mistake closing my account without my consent. I want a new card as promised, the fraud removed from my old account, and credit for my continued payments of {$810.00}. It should not take 9 months to fix a fraud problem and get contacted back with help. I have been a loyal customer for years and this treatment has really left a bad taste in my mouth. The fraudulent payment activity is as follows : XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$5800.00}, XX/XX/XXXX {$9300.00}, XX/XX/XXXX {$8900.00}, XX/XX/XXXX {$9800.00}, and XX/XX/XXXX {$9300.00}. These were made with fraudulent bank accounts that were made, spent, and returned without my knowledge or consent. As soon as I realized what was happening I called XXXX XXXX and they told me they removed these bank accounts from my account and flagged them for fraud. I had also saved up over XXXX airplane miles on my account, which is why I chose XXXX and lost all of them because I was just told I needed to redeem them within 30 days of a closed account I didnt know about or agree too. Nor could I redeem them because my account was closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 396XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
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: This complaint is against Barclay 's Jet Blue Credit Card my acct. ending in XXXX. XXXX XXXX XXXX XXXX, DE XXXX On SUN. XX/XX/XXXX, I e-mailed XXXX XXXX XXXX ; in XXXX, XXXX using my JetBlue Mastercard to reserve a room for MON. XXXX. XXXX. XXXX I had cut my vacation short due to family matters and had to return to New York, XXXX. When I arrived at the XXXX XXXX XXXX on MON. XXXX. XXXX the front desk told me they had no such reservation under my name but had a room available. Which I obtained using my JETBLUE CREDIT CARD. I checked out of hotel on the morning of XXXX XX/XX/XXXX and went to XXXX XXXX hoping to get a flight to XXXX XXXX However ; no flights were available til the next day ; I purchased ticket and returned to the XXXX XXXX XXXX later that day. The front desk representative at the XXXX XXXX XXXX informed me there were no rooms available nor any other hotels in area. So not having a hotel I had to spent the rest of the day and night at the airport till my XX/XX/XXXX XXXX XXXX flight to XXXX NJ. Sometime later when I received my JETBLUE M.C. credit card statement there was a charge of {$140.00} for hotel logging on XXXX. XXXX. I immediately filed a complaint with BARCLAYS JET BLUE CREDIT CARD. I also contacted the hotel through e-mail but got no response. On XX/XX/XXXX BARCLAYS JETBLUE reinstated charge stating merchant had not violated terms and conditions of sale. This is completely false. In a written statement given to BARCLAYS JET BLUE in their defense they state : " XXXX XXXX made the reservation by phone. He was advised about the cancellation policy. The customer never arrived so we charged him. '' The fact is ; if that if that was true they would have my correct name since reservations would have been made on my credit card. I made no such reservations and if I did it would be under my name XXXX XXXX. Again I sent documents in my defense to BARCLAYS JET BLUE and never heard from them. I called them to inquiry on XXXX. XXXX. XXXX, XXXX and was told it was determined the charge was legitimate. It was not only NOT but in fact FRAUDULENT! With overwhelming evidence in my behalf. The BARCLAYS JETBLUE representative stated there was nothing that they could do but I could reach out to the hotel again. I request a full refund of the false charge of XXXX & want to file a formal complaint against BARCLAYS JETBLUE CREDIT CARD for their unprofessional, lackadaisical and promotion of fraud by a vendor and not protecting me, the card holder of this false charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10591
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XXXX XX/XX/2023 I used a balance transfer offer from my bank, XXXX, to initiate XXXX balance transfers ( for {$5000.00} and {$8500.00} ) to a pair of Barclays XXXX cards I use. I sought to have the transfer completed before the Barclays statement period ended on XXXX XXXX -- this would have XXXX out both Barclays cards ' balances while avoiding additional finance charges on those cards. The transfer immediately posted to my XXXX account, and I continued checking my Barclays accounts to see when the transfer would post. On XXXX XX/XX/2023, I saw the transfer had not posted to Barclays, so I called XXXX to inquire about the status of the transfer. After speaking with a customer service representative, I spoke with a supervisor who informed me that XXXX sent the payments out by paper check on XXXX XX/XX/2023 from Maryland to the Barclays payment address, which is a post office box in XXXX, Pa. They also told me the transfer would likely take XXXX business days. ( In comparison, I made another balance transfer that day for {$9900.00} from my XXXX XXXX XXXX XXXX account to a different XXXX card ; it was handled electronically and the balances for each card adjusted accordingly overnight. ) On XXXX XX/XX/2023, I again noticed no balance transfer had posted on my Barclays account, so I called Barclays to inquire about the whereabouts of the balance transfer. They said they would start an investigation but they terminated the call before I could get all the information to them. I am filing this complaint because : XXXX ) I initiated these XXXX transfers XXXX the XXXX purpose of minimizing finance charges, but the delay in Barclays ' XXXX these transfers means I will incur additional finance charges. XXXX ) I want banks to make these transfers electronic, instead of issuing paper checks through the mail. As noted above, I initiated a separate XXXX XXXX XXXXXXXX that completed electronically without delay. Banks need to use routing numbers to make these transfers electronically and get out of the business of issuing paper checks. XXXX ) I am extremely unhappy that this transfer has not been completed, XXXX calendar days after it was initiated. As recounted in my conversation with XXXX, the checks were mailed from Maryland to XXXX, and I verified the Barclays addresses and account numbers with XXXX twice. It does not take this long for a letter to go from Maryland to XXXX, and Barclays should not have this long to post a transfer initiated nearly XXXX weeks ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: 2 Letters dated XX/XX/2022 With different application numbers noted on each. Stated this was regarding my application for the XXXX XXXX XXXX. XXXX stated if you have any questions regarding this letter please contact us at card services XXXX XXXX XXXX XXXX XXXX XXXX No phone number was listed anywhere on letters. I suspected the letters to be fraudulently applied for two reasons one I never applied for an application for any Barclays card or any frontier airline Credit card second the letter was addressed to XXXX XXXX, this was my maiden name and not used since over 35 years ago. I looked up XXXX XXXX XXXX XXXX online to obtain phone number listed as XXXX. The first person I spoke with said that I had to call the fraud team and direct me to the second number fraud team XXXX. I explained my concerns they listen to my concerns asked my last four digits of Social Security number and date of birth. This person stated that I had to speak with the fraud security department which was different than the fraud team. I was directed to call XXXX I spoke with a woman name XXXX asked last XXXX digits of ss #, XXXX. I asked if it would help to give her the application numbers to see if there were any accounts open in my name she took the numbers came back to the line and said there were no accounts associated with these application numbers or in my name. She then said that this call needed to be Transferred to the customer security extreme high risk department put me on hold for several minutes and transferred To another representative XXXX XXXX she also asked for the last four digits of my Social Security number and date of birth. I again asked XXXX XXXX if she would like the application numbers listed on the letter. She said she needed to put me on hold looked them up and was back after several minutes. When she came back to the line she said that there was a account open with application number XXXX and everything was fine because she labeled it as fraud I asked about the second letter application number XXXX and she stumbled with her words stating No there were no account connected with that # .was while I was speaking with her that I started to suspect this was a case of fraud it seem to me she was trying to hurry me off and just directed me to report to the credit bureau I had to interrupt her over talking to me to request that she look up the application number noted on the letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14304
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: To FCRA XXXX XXXX XXXX XXXX, DE XXXX Sub : URGENT My home mortgage will be disqualified due to XXXX XXXX Barclays Credit Card Reporting 's misuse of late payment history. That was their Error on account number XXXX Dear Sir/Madam : I tried to close the account in XX/XX/2022. However, I Was encouraged to keep the card open to obtain millage Barclay 's customer service agent. I have requested a paper statement, but they set me up online only. I missed my first payment ; however, upon reviewing my account, I realized that I needed to make a payment which I did by calling customer service and in and paid {$100.00} also requested to set up AUTO pay. I never had any issue with auto pay with all my accounts except for Barclays. In XXXX, I got an alert through my credit monitoring that I missed payment on Barclays ; I called them immediately and asked them to investigate ; the agent agreed that I was requested to be set up auto-pay, but previous agents missed. They have given a refund on late fees. Today, I am trying to purchase a house and getting disqualified due to this Error by Barclay. I would request that Barclay fix my Credit report and make a change in policy to prevent others not to suffer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened a credit card fraudulently in my name in XXXX, California on XX/XX/2023 at a Banana Republic store. I was notified of this through my credit monitoring service. I have called the company which Barclays Bank of Delaware and requested to freeze and close this account that I did not open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
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: XXXX On XX/XX/2022 I bought an office chair from XXXX using my XXXX XXXX XXXX Card from XXXX Bank XXXX Months later, Synchrony sold that credit card business to Barclays Bank XXXX and the XXXX XXXX XXXX became a Barclays XXXX XXXX XXXX Sometime in the fall of 2022, the office chair broke and there was no possible repair. XXXX, via its marketplace vendor, issued me a full refund of {$210.00} for the broken chair. The refund went TO THE ORIGINAL CHARGE card, which was a XXXX XXXX that no longer existed. XXXX. I talked to XXXX and they said they HAD to refund to the original charge card. XXXX. I talked to XXXX XXXX and they indicated the sold the ENTIRE card business, with assets and liabilities, to Barclays, and that it was their responsibility to issue the credit. XXXX. I wrote to Barclays and while they investigated, they issued a credit on my new XXXX XXXX XXXX for the {$210.00} XXXX. Suddenly, they charged me the amount again saying that I was " outside of the permitted timeframes to continue this claim '' XXXX. I contacted XXXX and XXXX and they indicate it is Barclays responsibility to issue the credit. XXXX. Barclays has refused TWICE, in writing, to issue the refund even though I have provided thorough documentation. XXXX. SO basically, some financial entity is keeping my refund and nobody is assuming responsibility for my reimbursement. I told Barclays I was filing a complaint with you and they didn't care. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A