Date Received: 2022-12-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Attempted to make my payment online ( like I always do ), but the system kept showing that my username and password were incorrect. I attempted four times and I was unsuccessful. As such, I called customer service and they placed me on hold for over XXXX minutes. I called again and waited until I had to hang up. I couldn't send an online message because I couldn't log in. Bear in mind that I didn't have to type my username and password, they are autofilled on my computer. So there was no chance of me entering the incorrect credentials. Additionally, I was able to login with the same information this morning, and I noticed that my minimum payment went from {$36.00} to {$100.00}. I was also charged {$30.00} late fee, and I'm sure that they have also hiked the interest rate because I was unable to login. I have never been late with a single payment. Prior to all of this, I was unwell and was on XXXX income through my employer. My husband has also lost him income because of a medical condition. We have to pay bills out of our savings. As such, I requested a hardship payment plan and it was denied. My card was previously serviced by a different bank, and I never had a problem until Barclays took over. First, they received my payment, and sent me late payment notice last month. Then my interest rate was set at the maximum rate even though I have good credit, and I have never made a late payment. This is absolutely ridiculous! Instead of helping someone who has always been a good customer you're trying to create more problems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: The wife and I went to a timeshare promotion. They said they were just checking our credit to see if we qualify. Nothing was ever said about opening a credit card in our names. A few days later, we received a credit card in the mail that has been opened in our name. Again, we never agreed to open a credit card. This was just supposed to check our credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Barclay Bank issued a line of Credit ( Gap Rewards Card ) to me at an address I had not lived at for quite a few years, I called them when I received notice of a bill and told them of their error, and was assured that the problem would be taken care of ; I kept receiving notices, I called them again, they had no notes of the first time I called them, again I was assured that the problem ( talked with the fraud department ) was taken care of, I still received late payment notices, I called them a third time ( yes they had the notes of the second time I called them ), the guy in Fraud was keeping me on the phone for a long time about the outstanding charge on the card ; I told him ( non-English speaker btw, all of them ) that he was wasting my time and that they are the ones that issued the line of credit to the wrong person, said I was going to file a complaint if Barclay 's did not leave me be ; Barclay 's closed the account and then they ( Barclays ) informed the Credit Reporting Agencies that I was 30 days past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/22, I ordered 11 items from XXXX XXXX totaling up to {$390.00} ( order number XXXX ) On XX/XX/22, per XXXX Tracking XXXX, I was suppose to receive 8 out of the 11 items. When the package arrived, the items listed were incorrect. They were female clothing. None of the XXXX items were there. I called XXXX XXXX to let them know I did not receive the correct items. The XXXX XXXX rep said she would provide a return label so I can get a refund back for the items I did not receive in the amount of {$280.00}. She then re-ordered the 8 items per order number XXXX. The incorrect returned items arrived to XXXX XXXX on XX/XX/22. Instead of a full refund as promised, I received {$89.00}. I am still missing the {$190.00}. I have called several times and they keep saying It will get looked at but no one seems to care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Made a purchase several months ago at Old Navy for {$55.00}. I received a bill after the due date last month. I payed {$230.00} the amount in full. This month I receive another bill after the due date with late charges of {$48.00}. Don't know if I can ever stop this company for sending me a bill after the due date and charging me late fees. The problem from this fraud is I purchase {$55.00} in goods and have paid total of XXXX dollars and still owe {$48.00}. Take the XXXX dollars and send my money back to me. The company is From XXXX rewards XXXX. Perfect scam to take people 's money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2022, I saw that Barclays decreased my credit limit by half. Initially my credit limit was over {$7500.00} ; then they randomly decreased it to {$4500.00}, now they've decreased it again to under {$2000.00} with no explanation given. I believe this was done in retaliation to a complaint I made to Barclays customer service department on XX/XX/2022. I made a complaint to Barclays on XX/XX/2022 due to bad customer service in relation to the XXXX XXXX fees added to my account. I expressed to the rep that I unknowingly used the Barclays card for a XXXX XXXX not knowing this was considered a cash advance. I was charged XXXX times for a XXXX XXXX fee on the same XXXX. Had I known about the fees, I wouldn't have used the card XXXX times. It's incomprehensible to knowingly make that type of mistake. The customer complaint case number is XXXX. Retaliation because of a complaint is unacceptable. There decisions to continuously decrease my credit limit negatively impacted my XXXX XXXX, which is interfering with my livelihood. I've never paid a bill late in the XXXX XXXX I've possessed the Barclays card, and I am greatly dissatisfied with their actions. Whenever I ask to speak to a customer rep, the call is outsourced to someone foreign, making the communication extremely difficult.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In early XXXX I called Barclays customer service to inquire about the approximate date I would be receiving my replacement XXXX, since my old card was due to expire in XX/XX/2022. I was proactively ensuring that I would receive the new card before my move date of XX/XX/2022. The rep whom I spoke with said that they could not track the card once it was mailed out but that the bank always mailed out replacement cards to be received by the customers before the old cards expiration. I never received my replacement card prior to the cards expiration. I moved from XXXX XXXX XXXX XXXX XXXX in late XX/XX/2022 and changed my address via my Barclays ( XXXX ) XXXX online account. I received a letter from Barclays dated XX/XX/2022, asking me to call the number listed in the letter to verify the change made to my account. I called on XXXX, XX/XX/2022, and spoke with a representative XXXX XXXX XXXX who confirmed the information. Immediately after that call, I was unable to access my online account. I called customer service that same day XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with another representative ( XXXX ). I explained that I could not access my account and that prior to my call with XXXX, I had accessed it with no issue. XXXX was unable to help and told me that I should try accessing the account later and call back if I continued to experience the issue. On XXXX XX/XX/2022, I called Barclays XXXX customer service and spoke with XXXX. XXXX tried resetting my password and setting up new online access. None of his troubleshooting options resolved my online access issue, and he told me that the issue was with the banks website. I called and spoke with XXXX in the Barclays XXXX assistance department on XXXX, XX/XX/2022, at XXXXXXXX XXXX EST. I explained my issue in detail and mentioned that she was the fifth representative I had spoken with about the problem. XXXX attempted to retrieve and reset my password, despite my telling her that this method had already been attempted unsuccessfully. The attempt failed, so XXXX transferred me to an Account Specialist by the name of XXXX at XXXX XXXX EST. XXXX explained that the account access issue probably had to do with my expired Barclays XXXX. The cards expiration date was XX/XX/2022. XXXX mentioned that a replacement card had been issued. Since I never received the replacement card, XXXX canceled the replacement card number and issued a new card. She explained that I would receive the card within XXXX - XXXX business days. She also told me to call Barclays before attempting to access my online account, in order to activate the new card. I received the new card and called Barclays, as instructed by XXXX, on or around XX/XX/2022. I spoke with a representative by the name of XXXX at XXXX XXXX EST. I explained the entirety of my issue to XXXX and asked to have the new card activated, but also to escalate my online access issue. XXXX did not escalate the issue and attempted to problem-solve, repeating the same exact steps that had previously been taken by the other representatives. The issue was still present, and XXXX had no solution. Again, I asked XXXX to escalate the issue to technical support. Instead, she opened Complaint Case # XXXX. I asked her how long it would take to resolve and when I could expect a call. She said that the issue would be investigated and that I would receive a letter about the root cause of the issue via regular mail. I never received a follow-up call, letter, or email from Barclays. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX EST, I received an email notification from XXXX XXXX- a service that offers free insights into credit scores, reports and personalized financial information. The notification was to inform me that an account listed in my credit report had been closed, and my credit score was affected. When I logged into my Credit Karma account, I found out that the closed account referenced was the Barclays XXXX account which I had been having issues with. I called Barclays at XXXX XXXX EST on XXXX XXXX XXXX XXXX, and spoke with XXXX. Once again, I had to repeat every detail of my ongoing issues with Barclays spanning XXXX months. XXXX was unable to assist and said the account was closed. She could not even find the complaint case that had been supposedly opened in late XXXX. I told her I was deeply frustrated and needed the call escalated to a supervisor. XXXX transferred me to XXXX at XXXX XXXX EST. XXXX said that nothing could be done because the account was closed. I said I was not accepting that and needed the call escalated. XXXX transferred me to XXXX at XXXX XXXX, EST. After I explained my case to XXXX, she said that there was nothing that could be done and that my account could not be reactivated because the bank had closed it. I told XXXX I had not received ANY communication from Barclays related to my Barclays XXXX account for months, and the account was closed without my authorization or prior notice. XXXX proceeded to state that a letter has been mailed on XX/XX/2022 ( 5 days prior to my call with her ), and she read the letter out loud. I told XXXX that I had not received that letter. Out of curiosity, I asked XXXX how the letter was delivered if electronically or via regular post. She said it had been mailed. I asked what address. She replied XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In exasperation I responded with that is yet another complaint I have to add to my list of complaints. I told XXXX that the XXXX XXXX address was my old address, and no correspondence should have been mailed there because I had changed my address with Barclays when I moved FIVE MONTHS prior to our phone conversation. Additionally, my account had been set up for paperless communications, and up until XX/XX/2022, I had been receiving all relevant account information via email ( I have all saved emails from Barclays as proof ). XXXX response was for me to write a complaint to Barclays XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX I said I would be complaining to the Department of State, Consumer Financial Protection Bureau, Federal Trade Commission, Better Business Bureau, and Attorney General about Barclays credit card services ineptitude and incompetence in their business practices. Upon reviewing my credit reports, I found that my credit score had decreased due to the unauthorized closure of my Barclays XXXX account, the same account I had been experiencing issues with since XX/XX/2022. I did not authorize the account closure. I did not receive notification from Barclays informing me that the account would be closed. I did not receive a follow-up call from my last phone call about the long-running account access issue. My credit score was affected because of Barclays inaction. To resolve the problem, I would like my account reactivated and the online account access issue fixed. Once my account is reactivated, I would like Barclays to report this change to XXXX, XXXX, and XXXX immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: MY ACCOUNT WAS HACKED DUE TO THE CREDIT CARD COMPANYS FAULT AND MY POINTS WERE STOLEN AND FROZEN. I HAVE OVER XXXX POINTS AND THEY WERE SUPPOSED TO CONTACT ME TO REACTIVATE MY ACCOUNT. NOW THEY ARE SAYING THE ACCOUNT IS FORFEITED AND HAS NO POINTS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: On Friday, XX/XX/XXXX, an electronic payment of {$2600.00} was made to Barclaycard US through the Bill Pay service at my bank, XXXX Bank. I mistakenly made this payment, that was intended for a different institution, as the credit card associated with the Barclaycard US account was closed XXXX years prior, in XXXX. On XX/XX/XXXX, I noticed my error, and called my bank to see if the payment could be stopped. As the payment was already in progress, I was unable to stop it from going out, and was informed I could dispute the payment the next business day. I also tried calling Barclaycard XXXX to notate that the funds should be returned when received, but since the account was closed XXXX years earlier, Barclaycard US was unable to assist. The next business day, Monday, XX/XX/XXXX, I opened a dispute with my bank XXXX Bank, informing them again that I had made the payment to a closed account in error. XXXX Bank contacted Barclaycard US to have the funds returned and were informed that Barclaycard US would not discuss the matter with XXXX Bank as they would not release customer information to third parties. When I received written notice from XXXX Bank by mail on XX/XX/XXXX that Barclaycard US was unwilling to discuss the funds sent to them in error, I contacted Barclayscard US directly. I spoke with XXXX individuals, each telling me that they are unable to see any record of the funds posted to my account ( as I expected since the account was closed XXXX years earlier ), and that they were unable to determine what became of the money they received on XX/XX/XXXX. They were also unwilling to provide me a contact department or phone number where I could confirm the disposition of the missing money. I received different responses as to what they believed would happen with the money, saying at XXXX point that if funds were received for a closed loan, the funds would be returned in the same manner received ( funds were never received ). I was also informed that since the account was sold to a different institution after being closed, the money would have gone to them, however, no one would confirm that to be the case. On Tuesday, XX/XX/XXXX, I contacted XXXX Bank, and their representative and I contacted Barclaycard together. Barclaycard continued to state that they saw no record of payment being posted to my closed account ( as expected since account was closed ). They, again, refused to provide contact information for a department that could confirm the money was received, and what happened to it, saying that funds would have been returned in the manner received, or that possibly funds were sent to the institution where they believed the credit account had been sold ( after I closed the account ). XXXX Bank who spent hours on the phone with me and Barclaycard US was very helpful, and repeatedly offered to send Barclaycard US the Transmittal report evidencing when funds had been received by Barclaycard US. Final result was that Barclaycard US, who received my {$2600.00} on XX/XX/XXXX ( sent to them in error ), refused or was unwilling to confirm receipt of the money and what they did with it, and further unwilling to return my money to me since the payment was in error to a closed account. FYI, account number provided with complaint is last XXXX digits. The account is so old that I no longer have the full number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I inherited land from my diseased husband There was a lien on the land from Barclays Bank for {$2700.00} The Title company help back {$6500.00} from the sale to cover the the XXXX Each time I spoke to Barclays bank I got conflicting information. I was told that I could send {$2700.00} and the lien would be lifted. I sent a check and it was cashed ( It is stamped with Barclays Bank stamp on the back of the check ). I have a probate attorney that they would not talk to The XXXX is still not lifted and I have lost over {$9000.00} I have documentation for all of this and documentation of what and when I have faxed information to Barclay Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A