Date Received: 2023-01-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A check was mailed to Barclays for the entire balance as a part of credit consolidation. The check was mailed XX/XX/22 and cleared on XX/XX/22. I called the company the following week and was told no check had been received. I got a copy of the check from the issuing institution and called Barclays again, twice attempting to resolve and speak to a XXXX. I also did a chat with another associate. I was told there was a case number XXXX that was created on XX/XX/22 but it could take up to XXXX months to resolve, they would not credit my account until it was resolved and I would need to continue to make minimum payments until they reached a resolution. This is unsatisfactory, as well as it takes longer than XXXX mins to reach a supervisor. I have tried multiple times and I am left on hold indefinitely. I have given up but demand a resolution. And will I be liable for accrued interest during this time they are researching?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 045XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with 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: On XXXX XXXX, a {$9000.00} charge was made to my Barclays charge card. Barclays determined the charge was fraudulent and XXXX accepted Barclays ' charge back request on XX/XX/XXXX and returned the {$9000.00} to Barclays. Unfortunately, the charge remained as a debt on my Barclays credit card and I was forced to pay it off to avoid ruining my credit. After repeated attempts to resolve the dispute, I filed a XXXX complaint on XX/XX/XXXX. As a result of that complaint, it would appear that the problem is with an interface between Barclays ' fraud and debt/credit accounting sections. Over the last 18 months, I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXXXXXX 's response ; and written numerous letters requesting resolution. Barclays has assured me since XX/XX/XXXX that payment would be made to XXXX and nothing has happened. These efforts have involved more than XXXX hours of my time. Resolution of the problem by Barclays has taken so long that the only option available now is for Barclays to refund the money that I have paid and I will take care of resolving the issue with XXXX. I am attaching the results of the XXXX complaint and documentation of some of my interactions with Barclays and XXXX employees. I have additional documentation, including copies of several, but not all, of the letters that I have sent Barclays regarding this matter. Please respond to my email with any additional information requests you may have
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
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: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX ( Barclays Bank ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hi there, I noticed that I was charged an annual fee of {$99.00} on my credit card ending with XXXX on XX/XX/XXXX. I called Barclays on XX/XX/XXXX to either downgrade to a version without annual fee or cancel this card to get the annual fee refunded since I will not travel as much as I did in XXXX. As a result, I will barely use this card moving forward and won't be able to utilize the card 's benefits ( haven't used this card since XX/XX/XXXX ). However, the customer service representative informed me that the annual fee was posted on XX/XX/XXXX, which results in passing the 60-day window of getting the refund, so they could not process the refund. That was quite a surprise to me. I then looked closely at my account from Barclays ' website. I found that the page showing the transactions is very misleading ( see attached ). It shows the " Posted transactions '' at the top-left corner with the date of XX/XX/XXXX above it and the date of XX/XX/XXXX appears again below the " XXXX '' at the bottom. And the date of " XX/XX/XXXX '' is relatively unnoticeable since it's smaller and lighter compared with the capitalized words " ANNUAL FEE '' right above it. This layout, especially the date " XX/XX/XXXX '' below the " XXXX '' makes it very impelling to believe that the {$99.00} annual fee was charged on XX/XX/XXXX, which leads to the result that I missed the 60-day window of getting the refund. It is very unfair and inadequate. I have never encountered a similar issue with other banks or credit card companies since my first credit card in XXXX. In addition, I have been a responsible client that has never been late for any payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I made an electronic payment from XXXX XXXX XXXX XXXX to Barclay 's Bank in the amount of {$4500.00}. The reason for the error was Barclay 's had been my credit card company for over a decade but had recently sold my account to XXXX Bank. Two days later when the payment wasn't posted to I realized the mistake. I immediately contacted XXXX 's who assured me the errant payment would be forwarded to the trialing institution ; XXXX. It never was. Despite being provided a proof of payment from XXXX XXXX XXXX and being contacted by XXXX that the payment wasn't received, Barclay 's refuses to do anything. Barclay 's has stalled every chance they could. Not receiving faxes of proof of payment, emails that must be in spam folders, refusing to provide a receipt that they sent it forward to XXXX. They have closed numerous cases related to this issue without any resolution, causing me to have to start new investigations many times. I have spent hours on the phone each week, even had XXXX do an investigation from their end. They reported never receiving any money from Barclays, and tried to reach Barclay 's to speak with them but never having their call returned from XXXX XXXX, 2022. I have had XXXX XXXX XXXX start an investigation as well with XXXX XXXX. This involved weekly calls to Barclays, where often the representative had little knowledge of the case or could not do anything to find a resolution. This case ended when XXXX called for the weekly meeting ( which usually lasted 2-3 hours ) but I was at work teaching and could not take the call. I called a few hours later and was told the case was closed because I had not answered the call. Barclays has had my money since XX/XX/XXXX. I have spent hundreds of hours trying to get them to return my money or provide any proof that they sent it to XXXX or to myself. They have done neither.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: was offered 0 % finance for a 5 % fee. Wrote the check and was posted to account on time Statement came made payment way before do but didn't see interest charge. next month statement show interest again, called and they said they would look into it. Paid the fee and a small amount more on time. no results, next month more interest called again and they said I should be charged but would take time. called again and they would look into it. the fourth month I completely paid total pay off due to exit the agreement and be done. Yet still got interest only charge and I didn't even have a balance after pay off. I never paid it. Paid fee and entered an arrangement, got charge for the interest paid anyway and then paid it off and they still charged me after I was paid off yet more interest. was early on payment or never late. Have many other cards never had this happen in 35 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Getting a loan
Subissue: Denied loan
Consumer Complaint: Dear sir or madam, please forward my request to : Barclays Online Banking : to complete my XXXX XXXX payment as submitted on XXXX for two tranches of {$45000.00} on XXXX XXXX XXXX and {$36000.00} on XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX as I submitted them on : XXXX : and on Student Finance XXXX through the facility of my username XXXX and another sum of : {$990.00} : again on XXXX on : XXXX XXXX : for my XXXX, XXXX XXXX, XXXX for my XXXX exam and as such my Barclays Online Banking application # XXXX through the facility of my name XXXX XXXX XXXX should be credited also with the payment of {$990.00} as I requested as well as the payment of a total sum of {$90000.00} for my XXXX XXXX in 2023 and as such my payments would be deducted from my {$100000.00} on application XXXX on Barclays Online Banking and my other sum of {$300000.00} could thus be transferred to my : Barclays Online Banking : account XXXX : through the facility of my name XXXX XXXX XXXX XXXX that the {$300000.00} would reflect on my Online CDs relative to my accoount XXXX on my name XXXX XXXX XXXX and on my next statement on XXXX XXXX Banking account XXXX through the facility of my name XXXX XXXX XXXX XXXX SSN # XXXX and on my statements on XXXX XXXX XXXX and XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
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: Hi last time im called XXXX and made freez for my credit cuz some one use my information but still im got hard inqure from barclays bank delaware
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
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: According to statement multiple transactions were charged to my credit card on XX/XX/2022 and XX/XX/2022. 1 in the amount of {$780.00}. XXXX from XXXX XXXX XXXX. I called in to dispute charge. Barclays investigation stated that charge was authorized. I am disputing this because I did not place order with XXXX nor did I receive products from XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
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: In XX/XX/2022, I called Barclays Bank to cancel my credit card account. They advised me the credit card account was 90 days past due. On XX/XX/2022, late fees were reversed and I paid the account in full. I requested the account to be closed. In 2022, Barclays Bank failed to send statements due to XXXX XXXX. The Barclays Bank credit card was set up for automatic payment of full balance due if the amount for the ebill was {$1000.00} or less via XXXX XXXXXXXX XXXX XXXX Online Banking. XXXX XXXX XXXX issued a letter dated XX/XX/2022 stating that my Barclays Bank credit card was enrolled in ebills. XXXX XXXX bank did not receive any ebills from Barclays bank in the year 2022. This information was submitted to Barclays Bank as proof that no bill was sent to me. In a letter dated XX/XX/2022 Barclays bank received the dispute and believed that their information was accurate and refused to correct 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: 949XX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A