Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Barclays Bank resulting in a fraudulent credit inquiry on my XXXX credit report from Barclays Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both Barclays Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. Barclays Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Barclays Bank inquiry removed from my XXXX credit report. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by Barclays Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Barclays Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84070
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was notified by XXXX XXXX XXXX XXXX XXXX ( that we pay for ) on XX/XX/XXXX that a new charge card for XXXX XXXX issued by Barclays Bank had been opened in my name on XXXX XX/XX/XXXX and {$1000.00} charged to it. I told them I had not opened it and the security service connected, with me, via phone, in a XXXX way call with Barclays Bank security to cancel the card and open a fraud investigation. Barclays fraud team said they would look into it and we were to file a police report ( which we did ). They gathered information over the phone and we learned the card had been opened using an address I had moved away from in XXXX after my husband died. I gave them my current address and phone number to keep me informed. I would be contacted they said. The XXXX investigator told me to report the fraud to XXXX credit reporting. Subsequently XXXX responded to me by letter dated XX/XX/XXXX that they investigated and determined the disputed charge and card opening were verified as an accurate charge by Barclays. ( This while they were investigating the reported fraud ). I contacted Barclays and expressed my surprise at their response. They said they had sent a letter that I would not be held responsible for the {$1000.00} charge, but they sent it to the address the thieves gave them, not the one they verified with my fraud report. They said they would resend it to the correct address. When the letter came it said only that an investigation would be opened. So I called them again and this time they said I should have gotten a second letter. Nope, they had again sent it to the thieves and not my address. They sent a new on, but it now said I wouldnt be held responsible if they determined it was fraud at the end of their investigation. I contacted all the credit bureaus and notified them to put a fraud alert and I locked my credit. Meanwhile XXXX XXXX was working with me and we sent all the documentation, police report and other stuff. Finally today on XX/XX/XXXX XXXX XXXX staff XXXX set up another XXXX way call with me, XXXX fraud investigation, and Barclays to find out what was going on.The Barclay security people XXXX and later XXXX, both said a letter had been sent notifying me I wasnt being held responsible and they had determined it was fraud. I hadnt got it because they had once again sent it to the address the thieves gave them. As I file this complaint Ive been told the letter clearing me will be resent to my current address. This card was apparently opened when a quick look at my credit file would have shown it as a years old address and not my current address, obviously no picture ID was used since Id twice moved and updated my drivers license each time, then the investigators put you through a bunch of needless work because they cant keep their files straight. I did nothing wrong. Barclays opened a charge account without checking the most obvious stuff and then I have to do all the work to clear my name. How can it be youre guilty until you prove yourself innocent, this isnt right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Company made an error on their end with sending me my credit card ( which was a WHOLE other situation of a dozen phone calls because the agents kept lying about details ), so they agreed to waive an overnight delivery fee. The card wasn't sent overnight, so I called back in to find out what happened, and they " had an error '' again on their end. I stated this was too many errors from a financial institution. They assured me my card would be overnighted and they were waiving the fee. Card received on XX/XX/XXXX, but I noticed after activation I was billed the {$15.00} overnight fee. I called in and spoke with XXXX, Operator ID XXXX, who assured me he spoke with his supervisor, XXXX, and the charge would be off of my account in XXXX hours. XX/XX/XXXX, I check my account, the charge is still there. XX/XX/XXXX, I call Barclay again to dispute this charge, I spoke with XXXX, Operator ID XXXX who was very unhelpful and refused to transfer me to someone who could help me, even though he was able to see that the notes on the account showed this fee was supposed to be waived. Horrible customer service, everyone tells you something different, it's almost as though there are no guidelines in place and people aren't being trained properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Gap XXXX Barclays has retroactively increased my interest rate. According to my credit card statements they are charging me higher interest on an old balance that was originally set at a lower interest rate. A 2009 law bans credit card complanies from retroactive interest rate increases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
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 have spent almost a month trying to discuss my concerns with Barclays by calling the customer service department. I first reported a dispute claim # XXXX for {$75.00} sometime around XX/XX/2022. My concern is I made a purchase of {$150.00}, this was for two pairs of jeans. One pair was returned to the store and I got my refund of {$75.00}. I had to send the other jean through the post office however to date I have not received my refund from the merchant XXXX for the remaining balance of {$75.00}. My claim was closed because the claims processor immediately assumed that the one credit of {$75.00} I had already gotten was what I was disputing, but they are wrong with the choice they made and did not understand this claim at all. Since then I have been trying to explain to Barclays that my claim was closed in error and was not looked into accurately or even understood accurately by fax and by calling customer service. I spent numerous amount of time calling XXXX but there is an extreme amount of time that I have to be on hold then when you finally get someone you either hear kids in the background yelling or the call just disconnects. I really need someone serious and respectful to help me with my concern. My patience is exhausting and it is getting to the point where I might just cancel and close this account. The customer service for the Barclays Aviator is terrible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
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: This is an addendum to CFPB complaint # XXXX. The Merchant, XXXX XXXX XXXX has acknowledged receipt of cardholder 's direct payment via postal money order to settle the disputed {$750.00} credit card charge. See attached email. However, Barclays bank refuses to cancel the {$750.00} credit card charge. Therefore the Merchant received {$1500.00} instead of {$750.00} which constitutes a double payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
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 have a Barclays XXXX and was charged for a service that I ( we ) did not get. The date of posting was XX/XX/22 in the amount of {$60.00}. On XX/XX/22, my husband went online to XXXX XXXX XXXX XXXX ) and paid for two seat upgrades for a return flight from XXXXXXXX to XXXXXXXX XXXX for our XX/XX/22 return flight home from XXXX. Each seat upgrade was for {$30.00} and with the exchange rate, the transaction amount posted was {$60.00}. When we arrived at the XXXX XXXX, we did not get our upgraded seats as shown on our online receipt from XXXX and it was a full flight so they did nothing. When we arrived home, I contacted XXXX on XX/XX/22 ( XXXX ) and spoke with XXXX in Customer Service. She would not initiate a refund and instructed me to go back to the agency we booked travel with. That agency in turn said it was a XXXX booking and not theirs and could not initiate a refund. I called Barclays Card Services on XX/XX/22 and initiated a dispute of this charge. I was told to send in all documentation supporting my claim to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX which I did. I was given provisional credit for {$60.00} while they investigated my claim. On XX/XX/22 I received a letter stating that they had reversed the provisional becasue XXXX said it was a valid fee for a BAGGAGE FEE. I called in to XXXX XXXX on XX/XX/22 and spoke with XXXX who understood that it was NOT for a baggage fee and for seat upgrades and subsequently instructed me to resubmit all the documentation again. The letter from them stated that I may reassert my claim within 10 days of receiving this letter by sending it signed and dated which I did on XX/XX/22 which was within my ten days. On XX/XX/22 I received a letter from Barclays that they were outside of the permitted time frames to continue this claim through the dispute process and to seek refund from XXXX. I was well within their stated time frames and called in XX/XX/22 and spoke with XXXX in the Disputes Department. She stated their was nothing they could do and to pursue it with XXXX also. Under Regulation Z, I was within my consumer rights to assert this claim and should have received a refund from Barclays which should not be contingent upon their ability to collect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I called Barclay 's in early XXXX to increase my credit line on my card. They increased it to {$10000.00}, I enrolled in the 0 % APR until XX/XX/XXXX at this time. When I received my XX/XX/XXXX Statement it doesn't show on the bottom that I owe {$1500.00} at 0 % APR like other credit card statements that I've had in the past. So I called Barclay 's and the agent said that the offer is not activated on the account and they couldn't back date the offer to be placed on my account. I told her that I wouldn't have took a hit on my credit bureau to increase my credit line if I didn't activate the offer. She said her hands were tied. So on XXXX I made the full payment so I don't have to pay interest on the account. Today, XX/XX/XXXX I receive an email ( attached ) that my 0 % offer is still active. When I phoned into to confirm the first rep stated I didn't have this offer on my account, I asked to speak to a supervisor, when she pulled up my profile she said she sees the offer and it expires on XX/XX/XXXX. I asked her where on my XXXX statements does it show that the {$1500.00} was at 0 % she said it wouldn't show, I will have to call in to see when the APR expires. So now I paid the {$1500.00} in advance and lost out on using the promo. I think this is an error on how Barclay 's statements and how their agents are trained how to see offers on customer 's profiles. I asked for a refund of my {$1500.00} payments so I can break the payment until XX/XX/XXXX they said no they can not. They literally advertised and offer and didn't provide proper documentation for me to understand my payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX XXXX Barclays Bank AA Advantage Red card was applied for and approved in my name - ending in XXXX. On XX/XX/XXXX a request was made to add an additional user to the card. XXXX received notices on XX/XX/XXXX of a new trade/account was on our credit report by XXXX I have contacted both XXXX and Barclays Bank on the fraudulent activity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I got a hard inquiry into my credit made from Barclays Bank XXXX XXXX informed me. I need it removed. It isnt me. My number is XXXX. My name is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06811
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A