Date Received: 2024-01-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have tried to take the proper protocols to get this account removed from attachment with me. Im a victim of identity theft and Barclays is trying to make me take responsibility of this account when I have provided proof that I didnt have anything to do with opening my this account or opening the bank account that made payments to this account. Im about liable for anything because I didnt gain anything from this account being opened. They are ignoring the fact that I provided proof of me not making payments against their claim of me paying on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/2023 I opened a Barclay 's Banana Republic credit card, which was supposed to be mailed to my home address within two weeks of the opening date. I did not receive the card, and as a result, I had to pay my initial bill over the phone. Since I did not receive my initial card, I have reported the card lost and have attempted to have a replacement card sent to my school address THREE times since opening the card. I still have not received my credit card, and as a result, I have not been able to create an account with the company, use my card, or view my credit score. Since I have been unable to use my card, my credit score is dropping due to low utilization. Each time I request a card over the phone, I am informed that I will receive it within 7-14 days, and the address I verify that the address they are sending the card to is correct, however, I have NEVER received my card. I would like to know what can be done about this, especially as this is impacting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I purchased an XXXX rental for {$1100.00} On XX/XX/XXXX I enrolled in an XXXX XXXX program where I agreed to pay {$1100.00} instead of {$1100.00} over XXXX XXXX for {$100.00} per month with a total interest of {$57.00}. I was than credited. - {$1100.00} and charged {$1100.00} on the same day. And my statement balance remained. the same which was {$5800.00}. On XX/XX/XXXX I paid the full amount XXXX XXXX I was charged {$7.00} in interest I know the amount is not a lot, but I feel they will keep charging me for that interest for 12 months. I have used this same type of program for XXXX and have never had this issue. They usually credit you the full amount and then charge you monthly, so for example in this case I should be receiving a {$100.00} monthly charge for 12 months.XXXXCONVERSATION WITH AGENT Hello, I wanted to know why I was charged XXXX in interest when my statement balance was paid in full. Barclays XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX Hi Thank you for contacting us about the interest on your XXXX XXXX XXXX. We can certainly provide further direction. Our records indicate you are enrolled in our XXXX XXXX option. As a reminder, XXXX XXXX gives you the option to enroll eligible transactions and choose a fixed payment with an Interest Rate lower than your XXXX XXXX XXXX. The interest in the amount of {$7.00} is from your XXXX XXXX XXXX at an XXXX XXXX promotional APR. You'll also find this information on your statement in the Interest Charge Calculation section. We apologize for any confusion and hope we have been able to clarify this situation. You can view and print statements on our website by selecting the Activity & Statements drop down menu from your homepage, then selecting Statements. From the Statements page, choose the statement you wish to view from the drop down list of available dates and click the Download option. All of us here would like to thank you for letting us serve your credit card needs. If you have any other questions or concerns, please reply to this message. Sincerely, XXXX XXXX ME XX/XX/XXXX, XXXX XXXX I paid the full amount off there is no reason for there to be a charge. XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX I see various people complain about the XXXX XXXX XXXX as it does not work. Which is clearly the case here. I was credited the amount for the charge i enrolled in. You would than expect a charge every monthly of the agreed term but instead you are recharged the whole amount which is than reflected in the statement balance meaning you have to pay it in full for that month to avoid the interest. Barclays customer service XX/XX/XXXX, XXXX AM Hi Thank you for contacting us about your XXXX XXXX XXXX. We understand your concerns and apologize if you've received anything less than superior service from us. We strive for excellence and appreciate the time you have taken to give us your feedback. We certainly can address this inquiry. Based on a review of your account, we can confirm the purchase to XXXX was enrolled in XXXX XXXX. XXXX XXXX promotional financing allows you chose a fixed payment, over a set duration, with an XXXX XXXX lower than the XXXX XXXX XXXX. Once enrolled in XXXX XXXX, the original transaction will be credited and then amount debited back to your account placing the charge into the XXXX XXXX promotion bucket. That is the process you are referencing on XX/XX/XXXX. Although the current balance does not change, the minimum payment due will increase as it will now consist of the fixed XXXX XXXX installments, fees, interest and charges based on your purchases balance. Information about your XXXX XXXX transaction will appear under the XXXX XXXX XXXX ' box, as well as the 'Interest Charge Calculations ' section on your XXXX statement. We apologize for any confusion, and trust we were able to clarify this inquiry. We offer several account alerts, through email or text messaging, which will help keep you informed about your account. To set up or change your account alert settings, select Alerts under the XXXX heading. We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care Me XX/XX/XXXX, XXXXXXXX XXXX Is there still an amount due on my XXXX XXXX than though, if my balance was taken care of, because when you go to XXXX XXXX the full amount is still due. Barclays customer service XX/XX/XXXX, XXXXXXXX XXXX Hi Thank you for contacting us about your XXXX XXXX XXXX. Upon review of your account, we show the current XXXX XXXX balance is {$1100.00}. Information about your XXXX XXXX transaction will appear under the XXXX XXXX XXXX ' box, as well as the 'Interest Charge Calculations ' section on your monthly statement. You may download statements on our website by selecting the Activity & Statements menu, then select Statements, then Download. If you have any other questions or concerns, please reply to this message. We hope you find this information helpful, and we thank you for your continued business. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06851
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
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 was sold a ticket for an event that advertised goods and services at specific locations. On the day of the event, I went to the check in locations and they were closed. I went to the other location advertised on the ticket sale, and the staff there told me the event did not exist. I also collected an email from that business that verified the seller had asked them to partner and hold and event, but that the business turned them down. The seller sold tickets with this company listed as a cohost when the event was never approved. I reported this to my credit card company, Barclays, on XX/XX/XXXX. I sent Barclays a copy of the ticket page that had this vendor special on the ticket sale, a copy of the businesses email stating they never agreed to hold the event, pictures of the closed locations I could not access, and several other customer complaints that their tickets weren't honored and that businesses said they did not have an event. Despite the fact I did not receive the services I paid for, Barclays says the scammer sold non-refundable tickets. They said that even though the businesses were closed and/or verified they did not agree to hold an event- that I have no recourse because the ticket was nonrefundable. In addition, the Barclays employees have lied to me on several occasion by telling me my case was open... when it was not. I spoke with Barclays dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; each time I was told by a Barclays representative that they could see this evidence, that it was " strong evidence, '' that my case had been reopened, and that the delay in a resolution was due to the fact that the Dispute team was busy. When I called on XX/XX/XXXX I was told the case had never been reopened, but that all the documentation was still available. I was not provided a sufficient response as to why I was misinformed for the past several months. When I asked for information about submitting a complaint to investigate the Barclays employees, they told me Barclays does not have a legal department or HR department. When I asked for proof my complaint was filed, they told me they were not allowed to send it to me. Barclays is not using reasonable time or judgement to address my dispute, and they are withholding information from me that I've requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55109
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
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 XX/XX/2023 : I was the victim of a computer hack. Warning messages appeared on my screen saying I needed to take immediate action. My family financial security was threatened. I foolishly allowed the hacker access to my computer and eventually was contacted by a cyber criminal posing as a XXXX agent. I was subsequently scammed by this fake XXXX agent and a fake Barclays agent and instructed to proceed to a local XXXXXXXX XXXX hardware store and purchase XXXX separate {$2000.00} gift cards. My attempts to contact a legitimate Barclays rep and sort out this ongoing scam were not successful. The story line presented by the fake agents was that someone had tried to make a fraudulent {$5000.00} transaction from my account on an online gambling site. I passed the gift card numbers to the fake agent and the cards were quickly activated and my money was lost. Their fear tactics worked as I did in fact purchase the 5 gift cards, essentially reaching the credit limit of my Barclays card. At no time during this horrible day did anyone from Barclays reach out to me and determine what I was doing and why. These transactions had to set off some sort of fraud alert at any respectful credit card company. Don't allow the payments until you communicate with your customer in an attempt to prevent fraud. I have always been contacted by my credit card company regarding unusual purchases or high value purchases. Not this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclays is not honoring their chargeback policy on items that was defective and a seller who was not honoring their return policy by making you pay for shipping. I sent tons of proof and the proof showed that the seller apologized to me and said they made errors XXXX my orders and still Barclays denied my charge back! Im very unhappy as I have sent tons of prof and called them 4 x a month regarding this!!!! I started the process mid XXXX XXXX prof and dates sent to them XXXX 8 pages of proof and had to call Constantly for any type of feedback.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had an account with Barclays, I was Severely impacted by XXXX and a XXXX XXXX XXXX once I was out the XXXX I called and paid all of my debt. On XX/XX/year> I called and requested a pay for delete off my credit report with Barclays. I also requested a letter. They stated that it will come in the mail after I pay my balance of XXXX. I never received the letter in the mail and Barclays continue to report inaccurate late payments after the settlement. I have filled multiple disputes, I spoken the Representatives at Barclays Multiple times They told me they do not do anything required, reporting, and they send me over to a company called XXXX XXXX XXXX. I have called and spoke to XXXX XXXX XXXX, and they told me the same thing that they do not do anything with credit reporting and send me back over to Barclays. I have Requested my statements, since I no longer have online access, and I have not received them. I have disputed with the credit bureaus and requested a full investigation so thay update my accounts is verified That it is showing accurate. Nothing is getting resolved. The account is still showing different in accurate information from all three credit bureaus I am requesting that the count is erased completely off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The credit card company is barclay and their website is https : //www.barclaycardus.com/ The problem is they disengaged the automatic pay feature on my account without notifying me that it was disengaged. When my payment was past due the lowered my available credit which caused my credit score to drop XXXX points. I called the company to advise them they disengaged my automatic pay. This conversation took place on or around XX/XX/year> I would like to have have the company reinstate my previous credit line to restore my credit to the same score it was prior to them lowering my credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was XXXX and my credit profile was used by people in my family, when I was XXXX I finally got my things together and was able to get into XXXX XXXX and seen a number of things I did not do or sign up for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2023 I submitted a payment of {$69.00} through my bill pay service on my bank account - XXXX XXXX Bank to XXXX XXXX. Funds were debited from my account. I provided proof of payment and funds being debited from my account. However, they continue to claim they can not find my payment and I am still responsible for this payment. I have been contacting them concerning this incident try to resolve it since XX/XX/2023 with no resolution. I have provided all documentations they asked for directly from XXXX XXXX Bank. They continue to tell me it is under investigation, however I am continually being charged late fees of {$30.00} per month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70005
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A