Date Received: 2023-01-12
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: XX/XX/XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$99.00} I reached out to RCI Elite Rewards XXXXXXXX after finding the above fraudulent charges in a minor audit. After filing claims for the above charges they sent out a letter stating that this was not fraud and they are denying the claims. I was told to reach out to company directly to try to process a refund, I've reached out to the companies, with no success of contacting them. Their response was that I need to provide documented proof that I did not authorize these payments, and I explained I have no more information regarding the merchants, as I did not approve these.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: I have a very serious issue with the Barclay 's AAdvantage card. I have called twice since XX/XX/XXXX, discussed the issue with representatives and was provided with a case number, but was told it would take up to two billing cycles to be contacted by a XXXX which is unacceptable. I received a form letter yesterday ( XX/XX/XXXX ), whereby it states that they understand my concerns and appreciate the time Ive taken to provide valuable feedback however I requested a more direct contact/conversation to rectify this major error to our new account and the standard letter doesnt address my concerns or solve this issue. My husband and I traveled on an XXXX flight on XXXX XXXX and was provided with a paper application for the card upon departing from the flight. I completed the application, with a request to transfer {$5500.00} from our XXXX XXXX credit card to Barclays AAdvantage credit card with the understanding that there would be an introductory 0 % APR for 15 months. I waited over XXXX weeks and hadnt received confirmation via email, phone or the card in the mail. My husband and I telephoned on XX/XX/XXXX and was told by a representative that there was NO record of the application. We then initiated with the representative a new application, requesting {$8400.00} ( increasing the {$5500.00} in order to cover our travel expenses ), with the understanding that there would be a transfer fee of {$420.00} and 0 % APR. The PROBLEM is that the representative made a significant error and misinformed us as both requests/actions occurred so that we ended up being charged for a second balance transfer for the initial request of {$5500.00} AND a APR charge ( since it was our " second request '' ). Both transfers were posted on our XXXX XXXX card on the same day so I don't understand how it wasn't possible for Barclay 's representation to not see the initial application! I called twice in order to get this rectified as we DID NOT WANT BOTH, nor pay for the {$5500.00} balance transfer fee and get involved with paying an APR on the amount. In explaining the situation to a Barclay 's representative, I requested the ability to immediately pay off the {$5500.00} balance transfer, but was told it wasnt possible. I dont see how this isnt possible since the finance charge is being charged only on the {$5500.00}. balance and its a matter of crediting our credit card the {$5500.00} amount, as well as the balance transfer fee of {$270.00} in as much as this is an error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06405
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XX/XX/XXXX, I applied and granted a XXXX credit card co-branded by Barclays Bank Delaware and XXXX XXXX XXXX. I was promised 30,000 bonus points after a minimum spending within the first few months and some more points for every dollar transferred. I never received the bonus points and all subsequent points from the credit card spending to my XXXX XXXX reward account. I provided my XXXX hotel reward account number during the online application. When I called Barclays, the agents forwarded my call to Choice Hotels to fix the problem, and similarly Choice Hotel agents forwarded my call back to Barclays to fix it. Basically, someone didn't assign my Choice reward account number correctly to my credit card, so I could never receive the points. Both Barclays and XXXX failed to resolve the issue. I closed my credit card account on XX/XX/XXXX with XXXX points allegedly already sent to my XXXX XXXX. The total points ' monetary value is {$200.00}. I suspect I'm not the only victim of this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
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 {$7600.00} XXXX XXXX XXXX {$670.00} I have tried to file a fraud claim for the above charges as they were not authorized by me and RCI Barclay keeps telling it isn't fraud and wont give me a solution to the problem after explaining I found these charges after preforming a minor audit. I know I should be more on top of my finances and I will moving forward. They just keep telling me that since I payed my bill with my bank account this isn't fraud. I don't always review every charge on my statements I just make the payment. I don't think I should be penalized for making my payments on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
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/2022 I traveled to XXXX, TN. I met up with a group of friends and we went for brunch at XXXX on XXXX XXXX. When the bill came we split the bill and it came out to {$42.00} dollars a person. I initially was going to pay with my Barclays Jet Blue Credit Card but then decided to pay with cash instead. I got up and walked to the waiter and told him that I will instead pay with cash. He said he will be right over to bring me back my credit card, which few minutes later he did. I left the cash and so did most of my friends on the table with the bill and we left. I never signed or authorized any amount on my credit card. When it was time for me to pay my monthly credit card bill, I noticed an amount of {$270.00} on my credit card from the same restaurant. I immediately called the restaurant to speak to the manager regarding a fraudulent charge billed too my credit card by the restaurant. I was advised that the manager will call me back. I have called four times and left messages for the manager to call, which he never did. I believe the waiter used my card to charge someone else 's bill because even our bill wasn't that much, our bill came out to total between my friends and I was {$180.00} dollars. I called the Barclays Bank to dispute the charge and advise them that as per my disclosure agreement with them, I am protected from any and all unauthorized or fraudulent charges and that the charge billed by the restaurant is fraudulent and was never authorized or signed by me. They refused to accommodate me and protect me as a consumer and advised me that there's nothing they can do to reverse the charge. I then asked them to show me what proof did the restaurant provided to show that I authorized the charge and they simply said they cant share that information with me. I plead for your help in try to resolve this issue and look forward to hearing from you soon. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I've been making more the minimum payment every month for the past 6 months and noticed the interest rate has been staying the same. Even though my balance is reducing Barclay Bank US is charging me the same interest every month. They told me it's because of inflation which is a poor excuse to price gouge customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a savings account with Barclays Bank. I am trying to add my external account to do accommodate an external account transfer. The bank has a hold on my account as they state they can not verify the external bank account. They have requested I send my statement, which I have done, but now they are stating they can not access the state which was sent. I have sent it XXXX times, without success. They will not provide my withdraw without this information. It has been more then XXXX days since the commencement of this process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed on my credit report, there was an inquiry that I don't recognize nor did I authorize. I know according 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I learned that according to XXXX XXXX XXXX XXXX says that ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. I do not have any court cases .... ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or I never gave any written instructions... B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or I am not employed I am retired nor did I receive a new insurance policy ( XXXX ) In response to a request by the head of a XXXX or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. My husband does not pay me child support... XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a JetBlue MAstercard with Barclays. I have had the card for many years and make payments regularly and use it regularly. I was at my credit limit last week so I made a payment of {$1700.00} against my account which would give me approx. {$1300.00} in credit to use to buy Jet Blue tickets. I made the payment on Sunday from my XXXX account. The payment was registered by Barclays on XXXX the XXXX XXXX XXXX but they will not release the money to my account until XX/XX/XXXX, saying that somehow I can cancel the payment with my bank. I feel like this is an outrageous practice as they have my money- it is no longer in my XXXX account but they will not allow me to charge anything against my JetBlue card. The only reason this matters is because when I book airfare with Jetblue using that card I get a free checked bag and additional airmiles. I can not wait until the XXXX to book the travel so I had to use another provider 's card and i lose out on the {$30.00} per ticket free bag ( {$60.00} total ) and the miles. I called them and they tole me that they could remove the credit hold so that I could may the purchase but they transferred me to someone else who refused - telling me I could still cancel the payment I also send them an email and they gave me the same response although after I told them I would file a claim with you, they said I could call them back and they will reconsider making the change... too late I already bought the tickets and had to pay for the bags. I don't think its fair for them to hold my money but not apply it to my account enabling me to use it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had fraud on my credit card for {$80.00} on XX/XX/2022. I called Barclays in XXXX to report the fraud. Charges were never refunded. I called again in XXXX and spoke with fraud department and was promised they were investigating. Still nothing was refunded. I called the fraud department again in XXXX and asked to get a call back from a manager and never received a call back and still have not been refunded the amount. Every time I have called to speak to someone I have to explain what happened as if they have no record or notes on my account. They also question me because I ended up paying the {$80.00} so it would not go against my credit. This issue happened when XXXX transferred their credit system to Barclays and distributed new credit cards. When they sent out new cards I never received mine and never even activated it and then got a bill for a purchase made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A