Date Received: 2023-01-04
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 XXXX XXXX XXXX VA XXXX Account # XXXX Case ID XXXX Post Date XXXX Communication dates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit card was presented to a restaurant for the sole purpose of having a credit card on hand, as they commonly request when parties of present. The issue here is that my credit card was left behind and an excessive amount of charges were present on my credit card without my knowledge, and approval. I never received the receipt or even signed the receipt, therefore when contacting the establishment in person, they neglected to provide me with the receipt and failed to follow through with providing me with any documentation. In turn, I contacted Barclays about this situation, after serval months of going back and forth from disputes to fraud department, they failed to assist me in obtaining the documentation from the merchant. The irony here, after several attempts I finally received documentation from Barclays stating I was not held responsible and they favored with me, removing the charge from my account a few days later I see the reversed the charge back to my credit card. When contacting them for 6th time, they stated that they had closed this case and favored with the merchant and I had asked how they could do this without having any supporting information. They claimed a receipt was not needed, as the card holder is responsible because I presented the card to the merchant. This makes absolutely no sense to me and without a signed receipt, this seems to me as being a fraudulent charge. The issue now stands that my account is in default for non payment, reported to all credit agencies as default payment and now tarnishing my credit rating. I would like this matter addressed getting the supporting documentation that I initially requested along with penalties applied to Barclays for negligence of supporting their card holders. Based on the findings posted on reviews I have found that Barclays has neglected to represent and provide support to the card holders in turn this should be addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I opened a Barclays AAdvantage Business Card. The promotion advertized 80,000 XXXX XXXX miles with {$2000.00} in purchase. I met the requirement in XXXX and have not yet received the points four months later. I have contacted the company several times through their secure messaging. As of my last communiction in XXXX they stated it would been another 1-2 months. The terms of the offer say bonus paid in 4-6 weeks and can cometimes take 8-10 weeks. At this point it has been way longer than that and I do not think it is fair to wait another 1-2 months. This was my last communiction from them on XX/XX/XXXX : We are sorry to hear that you have not received your bonus miles from your introductory offer. Upon review of your account, we show that you have met the spending requirement of {$2000.00} on XX/XX/XXXX. As of today, XX/XX/XXXX, we have created a rewards case to investigate the missing miles and have the miles adjusted to your account. The case number would be under XXXX. We ask to please allow up to 1 to 2 billing cycles for the case to be investigated and completed. We apologize for the delay of the bonus miles and the inconvenience this has caused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX XXXX I opened a Barclays AAvantage Credit Card with a XXXX advertized bonus with {$2000.00} spend. I met the terms in XXXX and have been waiting on the bonus. The terms state that the bonus will be paid in 4-6 weeks but can sometimes take 8-10 weeks. It has been three months. When I contacted customer service they said the bonus would post on my XXXX statment but it did not. I would appreciate the bonus being paid now as I met the terms of the offer and had wanted to use the points for a flight. Due to the delay I have had to book the flight and have not been able to use the miles promised. From the company : You will receive XXXX bonus AAdvantage miles and a {$95.00} statement credit after spending {$2000.00} on Net Purchases within the first 90 days of your Card Account open date. This one-time offer is valid for new accounts only. Existing accounts and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. The bonus AAdvantage miles will be reflected on the billing statement in which you have qualified to earn the bonus. Please allow 4-6 weeks for bonus AAdvantage miles to be deposited into your AAdvantage Account after the qualifying purchase ( s ) have posted to your Card Account. The statement credit will appear at the close of the billing statement after the qualifying purchases post. The requirements were fulfilled on XX/XX/2022 statement, therefore, we kindly ask you to allow the allotted time. The bonus miles should be reflected on your XXXX statement. We thank you for being a valued customer and we hope you enjoy the rest of your day. If you have any other questions or concerns, please reply to this message.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am experiencing problem with Barclays JetBlue credit card 1. They charged me card fee after telling me they are refunding the fee and now there's interest and late fee 2. All my XXXX XXXX points were gone after closing the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My statement cycle ends on the XXXX of each month ; I had paid a payment to them on XX/XX/XXXX for {$XXXX} to cover minimum due for the XX/XX/XXXX due date. When my statement generated on XX/XX/XXXX it did reflect the payment that I had made and left a balance of {$XXXX} due on my account. I checked this again later in the month and that is the amount that was reflected on my online account {$XXXX} and I decided to pay this card off entirely as I have been doing with other cards, including XXXX separate cards from XXXX. I paid the {$XXXX} amount that was shown as my " current balance '' on XX/XX/XXXX when I logged into the website. The payment was deducted and I anticipated that this balance was satisfied entirely. Today, I log into the account to check and there is a balance shown that generated on my XX/XX/XXXX statement for interest totaling {$XXXX} and there are XXXX transactions showing XXXX separate interest charges ; XXXX for {$XXXX} and another showing {$XXXX}. I am not understanding how if I paid the entirety of the balance shown on the website on XX/XX/XXXX how there is any interest charged to my account. When the statement generated on XX/XX/XXXX my account balance should have been XXXX. As I mentioned, I have been paying off other cards ( including with this same company ) and none of them have done this. I reached out to the company and was only told that XXXX charge was interest due from when Barclay 's acquired my account from XXXX. That happened months ago and any/all balances should have been reflected on the website on XX/XX/XXXX when I paid the entirety of the balance of {$XXXX}. I do not feel I should owe the amount of the XX/XX/XXXX statement balance of {$XXXX} and I would like for the company to remove these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Barclays Delaware bank is still showing on my credit report and it has been over seven years it should be removed by now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77092
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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 had been charged in error on my Barclay Jet blue card for a stay at the XXXX XXXX. I had submitted all the proof of my paid receipt which was charged to my XXXX and they opened an investigation. Even with proof they denied me and kept the charges on my card. I called the consumer advocacy in XXXX and they helped resolve the matter but it too 7 months. The Barclay bank has closed mat account because obviously I refused to pay and had been continually explaining to them the matter was being investigated by the State Attorney General 's office. This XXXX the hotel contacted me and admitted that there was an error and have been trying to send a credit to the card but it is not working because the bank closed the account. The amount of the refund is large and I need help resolving this matter. I feel the bank should also be held accountable for completely disn=missing the facts and not doing anything to help resolve this matter considering the facts were I had a paid receipt and it was extremely obvious what had happened. My refund they are trying to credit me card is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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: Our card was stolen from our nanny, but since the card was on autopay and really only used for recurring payments and nanny household charges, we didn't realize the fraud was occurring for several months. I reported fraudulent charges on XX/XX/22 ( give or take 1-2 days ; as noted on the statement XXXX XX/XX/22 pages XXXX ). The charges were originally investigated by the fraud team and decided that it didn't qualify as fraud and then reversed all of the credits. I sent a dispute in showing proof of the fraud and that the card was stolen, and we received letters back from barclay saying that they had re-reviewed the case and that the charges were determined to be fraudulent and that all charges would be would be credited within 30 days. After 30 days they only reversed about {$1000.00} of the charges. I called several times over the next months trying to get them to reverse the remaining charges ( {$15000.00} ) but I could never get a call back or talk to any supervisors/ managers. I was always promised a call back with in 7-14 business days but only received a call back once on XX/XX/22. He assured me he had reviewed the entire case and that the would take care of everything. He reversed another ~ {$2000.00} but not even close to all of the charges. I faxed another formal request to review the case on XX/XX/22 as well as calling in on XX/XX/22, XX/XX/22 ( spoke with XXXX # XXXX ), XX/XX/22 ( spoke with XXXX # XXXX ) all of which promised call backs from a supervisor which have never happened. My credit score is dropping and I am unable to receive a call back to even find out the status of the case or any explaination. The account is accruing interest and my credit score is dropping and I can't get anyone to call me back at all. I have attached all of the specific details that I submitted in my 3 written formal complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX has tried to contact my mother and my daughter and have stated if the debt isn't paid that my credit would be damaged and they would send a summons for my arrest. And they pulled money from My account without authorization. All these actions started XX/XX/XXXX, and are still continuing today. XX/XX/23
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Today I am taking action by filing this complaint regarding my Gap XXXXcard that is financed through Barclay 's bank. The first thing I noticed is that Barclay 's took over the Gap XXXXcard and didn't inform us. Barclay 's did not alert us. I have the majority of my credit card bills physically mailed to me, so when they took over they had to have switched to e-bill without my consent and I missed two payments because the bills were not physically mailed to us. I called customer service and they set me up on one of their programs for three months which was supposed to prevent me from getting fined for late payments. Apparently, this customer representative also added in a clause that I would pay approximately {$150.00} per month- this was done without my consent but I did consent to the program he offered. This representative also waived the late fees ( I think ) because we've consistently been charged as late payment and have received late fee charges. For the next 3 months, I received monthly statements that said I was late in my payments when in fact I had paid {$300.00} in one month. There were several other unexplainable discrepancies so I called customer service. While talking to customer service, I realized while looking at my bill that Barclay 's has been charge me double interest!!! Customer service said she would have a manager or supervisor call me regarding this problem. To this day I haven't spoken to any representative. I did receive a letter in the mail stating that they were aware that I had concerns about my account and that I should called customer service again to address my concerns. THAT'S IT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A