Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022 I applied for a Master Card XXXX Card with Barclays Bank and was denied by an adverse action letter sent through postage. I have to admit I have been very ignorant of the Laws that protect consumers from discrimination like this. It has become very clear to me that financial institutions such as this one have no regard for the LAWs that protect consumers from such discrimination. I have offered a very simple solution to move forward with business as usual, but Barclays Bank has no intention of recognizing who I am as the soul signatory to the account ending in XXXX. I have also stated in my adverse action letters that I know in " FACT '' that I am the originator of credit. Barclays is NOT providing me with credit, I am extending my credit to Barclays Bank which is coded in Title 15 sec.1691a ( b ). By accepting my application they have accepted trusteeship in a fiduciary obligation and I have yet to receive any benefit for their use of my private account information. I would like to add the definition of a Creditor : a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit. The creditor includes a creditor assigner, transferee, or subrogee who participates. The term creditor also includes a person who, in the ordinary course of business, regularly refers applicants or prospective applicants to creditors, or selects or offers to select creditors to whom a request for credit may be made. A person is not a creditor regarding any violation of the act or this part committed by another creditor unless the person knew or had reasonable notice of the act policy or practice that constituted the violation before becoming involved in the credit transaction. THE TERM DOES NOT INCLUDE A PERSON WHOSE ONLY PARTICIPATION IN A CREDIT TRANSACTION INVOLVES HONORING A CREDIT CARD. Title 15 sec.1691a ( d ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of a debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( f ) The term " person '' means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Under the ( U.D.A.A.P ) Unfair, Deceptive, or Abusive Acts and Practices, this delay of benefits has caused monetary harm to my family and me by denying access to products and services that I the " applicant '' have in good faith applied for. Such discrimination could have been avoided by Barclays Bank if the representative from the XXXX XXXX XXXX XXXX would have and could have conducted a proper interview with me to further gather information to overturn this denial. Barclays Bank assumes I am incapable of managing my account/affairs based on misinformation provided by XXXX alone which is known for deceptive business practices and the CFPB has a record of that. I gave Barclays Bank ample time to correct their wrongs but to no avail have not answered any of the " Facts '' I have provided to them. All this information is Public Knowledge and can be researched, which would hold Barclays Bank under Title 15 sec. 1611 Criminal liability for willful and knowing violation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My husband was swayed by the high-pressure marketing strategies with XXXX XXXX XXXX XXXX XXXX He thought that it sounded wonderful and he thought that our XXXX daughter would love to be able to go to different vacation areas. After XXXX set us up with Barclays Bank credit cards to purchase a few " points '', my husband realized that we couldn't afford this and also that the few " points '' were pretty much useless. I knew that we couldn't afford those few points, but he really thought that we could swing it. Shortly afterwards, he realized that we couldn't afford them, but we had already signed papers. After he allowed me to contact XXXX to let them know that we couldn't afford it-especially after he came down with Covid again and wasn't able to work and I had to have XXXX and couldn't work- they released us from the contract. We have the signed documents stating that they released us from the contract, XXXX # XXXX. However, Barclays Bank continues to harass us about paying for something that we don't even own. They call us usually at least two and three times a day and every time that we answer, there is either no one on the line or they hang up. I don't know how to get them to stop calling. We can't afford to hire a lawyer and I know that this is going to mess up our credit. Plus, it is causing so much stress on us, because we always try to pay our bills on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to BARCLAYS in reference of a billing error. BARCLAYS failed to clarify the billing error, but instead used XXXX identity theft with extortionate means for the collection of an extension of credit. Please see attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My wife passed away XX/XX/2022. She was the authorized owner of a Barclays credit card, which I was an authorized user. I notified Barclays that she had passed away, and they immediately closed the account, and with that move they also kept over XXXX travel miles. In a subsequent conversation with Barclays, they told me that I was not responsible for the debt. I challenged the debt showing up on my credit report and they removed it. Last week I discovered that they had been making ACH withdrawals from MY Account and have withdrawn at least {$9000.00} since they closed the account. I stopped payment in XXXX and immediately call Barclays. They said they could not talk to me ( I assume because I am not the responsible party ) and that they would notify me by sending a letter to my deceased wife with in XXXXhrs. Today I received a letter from XXXX notifying me that they had suspended my account and would not process any other ACH withdrawals. So I am left with setting up new automatic payments to the numerous legitimate vendors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: RE : Barclays Bank XXXX ending in XXXX ( Account Owner ) Card Ending in XXXX ( Authorized User ) Beginning on or about XX/XX/2022, and ending on or about XXXX XXXX, fraudulent charges were placed on my authorized users card ending in XXXX that totaled {$9700.00}. Barclays Bank was notified as soon as these charges were discovered on XX/XX/2022. The bank subsequently refused to reverse these charges because they claimed to be legitimate. How this was determined is unknown because I was never contacted by Barclays or asked any questions. When I responded to this rejection, the bank said that they required a police report. I then filed a police report with the XXXX, New York police and sent a copy to Barclays along with a letter specifying the individual fraudulent charges and their total. After several more weeks without contact or questions from the bank, I received another form letter from Barclays denying to honor the claim and ignoring half of the total value listed in my letter, which indicates to me that no one read my letter or really investigated anything. Please do whatever is in your power to encourage Barclays to follow regulations regarding fraudulent charges and credit my account {$9700.00}. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14701
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report from XXXX and XXXX incorrectly reports that I was late for my XXXX XXXX XXXX XXXX XXXX for XXXX XXXX for the months of XXXX and XX/XX/2022. I never received a bill from Barclays XXXX XXXX XXXX ) for those months. Prior to XX/XX/2022, I had no balance on the account and then had an annual warranty charge posted in XX/XX/2022 for {$69.00}. The charge was correct but I never received any notification or billing from Barclays for the charge. I asked Barclays to investigate and they refused but could provide no proof that I had received any billing or email about the {$69.00} charge. I have had no charges on this account for many years and only learned of the late charge when I ran my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Starting in XXXX of 2021, somebody started stealing my rewards points on my Barclays - XXXX Card. XXXX Card reinstated some of the stolen points but then stopped without explanation. The fraud continued over several months and Luxury Card made little to no effort to combat the fraud. They told me several times they would reinstate all stolen rewards points " within 30 days ''. My points are still not reinstated after months of phone calls. I have done all that is requested of XXXX Card, including changing my card number, user name, passcode and verbal passcode but are still getting the run around. I am asking for CFPB assistance in getting my XXXX stolen reward points reinstated immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22102
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
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 made a purchase for XXXX in XX/XX/2022 they refunded me in XXXX due to a cancellation. The old navy card was taken over by Barclays and I called them in XXXX to be sure it wouldnt be a problem. They said it wouldnt but would take up XXXX weeks to resolve. They funded me the money back in XXXX but then took back out on XXXX. Ive called multiple times.and sent in paper work from the merchant saying it was refund in XXXX. Letters sent out XX/XX/XXXX. Still not resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The credit bureau never did a proper investigation according to the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: Barclays took over XXXX XXXX from old navy and never sent me a new card. I called them on 4 seperate occasions asking for a new card as I could not access my account to pay it off online. I eventually paid it over the phone and still had to call 2 more times to request a card. As of almost 6 months later I have not received my card and they closed my account saying that I never paid which I did pay over the phone and have a paid file in my bank statement. When I called to get my card reinstated they said they would reinstate it and send me a new card. They never did. As of today, I called again to see what the status was and they said they do not know who told me that because they can not reinstate my card and there is nothing they can do about it anymore. I am waiting for a supervisor to call me but after making 5 phone calls to them I have no hope and my credit has now taken a hit because of their very poor customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A