Date Received: 2022-12-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Filed complaint # XXXX regarding issues closing my account. Found Barclay business practices deceptive and inconsistent with standards at other banks and requested my accounts be closed in avoid complaince hassles and deceptive communication. I was called by someone in the office of the President and she verified and apologized for the behavior of the rep over the phone by not permitting me to close my credit cards without submitting my IRS tax returns. She informed me my accounts will be closed and fee refunded. In addition, I pointed out to her my access to my acocunt online was restricted and I could not review account information nor change any payment methods to pay the final balance. She informed me that my {$99.00} account free would be refunded on Barclays letter on XX/XX/XXXX as part of their response acknowledges this. On XXXX XXXX, I was notified by email from Barclays ' ( attached ) that they withdrew {$99.00} from my bank account. This is inappropriate, against what they stated and likely illegal. They might blame their poor IT, but they need to fix their internal issues with IT and compliance to be more consistent with other banks and consumer friendly. Consumers are spending way to much time with banks like this harassing them and abusing terms as well as not doing what they say they are going to do. So I am filing yet another complaint due to the {$99.00} fee withdrawal that was impossible for me to prevent, which i proactively attemtped to head off, which Barclay 's acknowledged would be refunded, but in the END, they still took the money and likely violated the law by doing so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was on vacation from XX/XX/2022 to XX/XX/XXXX. While I was gone my mail box was broken into and all of my mail was stolen. One piece of my mail that was taken was my initial statement from my Barclays XXXX XXXX. Thus, this being a new account not having paperless billing set up and in aware of the annual fee of {$99.00} was due. Since I did not receive my statement I did not even know I had a statement missing that did not get paid in full on time. Once I discovered I had a late payment, I immediately called and made the payment in full on the card. I was told by Barclays to write to the credit bureau to dispute this issue. I am asking to have the late delinquent mark removed from my credit scores with all major reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard inquiry for a company called Barclays on XX/XX/2022 that was not made by me. I have no idea who or what that company is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Barclays unfairly reduced credit limit and demanded payment 3 times the monthly payment for incorrect reasons ; " delinquent in the last 12 months and credit inquiries. '' When I try to reason with their representative, he refused to allow me to speak with someone in authority to rectify this matter. I explained to this person that their recurring payments tied to this account and the credit reduction would unfairly affect those accounts. I have made timely payments on this credit card account notwithstanding being on social security as a retiree.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
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: Letter sent to credit card company below To whom it may concern, I would like to reopen this case where the merchant XXXX XXXX has charged me {$190.00} without authorization on Thur, XX/XX/2022. The merchant XXXX XXXX is a hotel that I stayed in from Mon, XX/XX/2022 to Fri, XX/XX/2022. I made my first transaction with the merchant on Tue, XX/XX/2022 for {$280.00} to confirm my reservation. I received an email confirmation with the total cost of the reservation {$570.00} and remaining balance of {$280.00} to pay at the hotel. On Sun, XX/XX/2022 an additional guest was added to the room and the remaining balance increased to a total of {$670.00} to pay at the hotel. On arrival at the hotel I was charged the remaining balance and signed papers confirming the amount I was being charged for. My guest and I did not participate in any activities during our stay that incurred additional cost. However, during my stay I noticed a charge of {$190.00} posted to my transaction activity but I did not authorize the charge. I do not know where the charge is coming from and have not been provided with any detail regarding the charge by the merchant. Upon checking out I asked the front desk worker about the charge and they did not see the charge on their end. I assumed this was fraud and someone illegally gained access to my card. After my dispute was rejected by Barclays I called the hotel again, a XXXX number which may incur charges. I was placed on hold for over an hour trying to get in contact with someone. I recorded the conversation with the front desk worker who stated they did not see the charge on their end again and I would need to speak with the invoice department. I then waited on hold again to reach someone in the invoice department who has yet to provide me with an invoice regarding the charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
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, has violated my rights. 15 USC 1681 Section 602 States I have the right to my privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11692
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to Barclay Card services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. I have the remittance receipt, XXXX post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. Thank you. XXXXXXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91360
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a Frontier Airlines Mastercard in the mail and a separate letter from Barclays saying that their attempts to reach me by email were unsuccessful. I did not apply for a credit card from this company. When I called to try to cancel the account, I did not want to give them the last four digits of my Social Security number because I was afraid of fraud ( given that I did not apply for this card ). They refused to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear Ombudsman, I have a complaint that seemingly can not be resolved with customer services for my Barclaycard. I paid for a XXXX XXXX XXXX XXXX XXXX- on my XXXX XXXX That XXXX card was then hacked and I replaced it with the barclaycard in question, uploading the details of it to my XXXX account. I was then rebated {$610.00} on my transaction from XXXX, and they placed a credit on the card on file - the barclaycard. This transaction occurred on XX/XX/2022. Receipt attached. I have never received this credit, despite over 2 months of asking for it and following all protocol from Barclays. I spoke to customer services reps several times on the phone from XX/XX/2022 and went into great detail about what happened. I was recommended to write to Barclays at the " billing disputes '' dept with paper evidence of the transfer. I sent them : 1. the receipt for the transfer showing that the credit had occurred on XX/XX/XXXX from XXXX XXXX my barclaycard, 2. the statements showing it had not been credited either to the new XXXX XXXX XXXX XXXX, 3. a covering letter explaining that the money had not been debited first as a purchase from XXXX on the barclaycard, so this was not really a billing dispute but a missing credit. I received no reply in a timely fashion, so called again several times between XX/XX/XXXX - XXXX and asked to speak to a manager. I call XXXX XXXX XXXX XXXX and I was told that this had been referred to the wrong dept and was not a billing dispute, and I am told this every time I write or call in. Each rep apologises on the phone for this truly awful service, but no credit has given. Case no is XXXX. Although they quote this case number over the phone, when they wrote to me again recently to tell me AGAIN it was not a billing issue and they could not credit the money to my account because of that, they quoted this reference number : XXXX XXXXXXXX. They also verbally take no liability for not receiving the money, if this is what happened, saying this is XXXX 's liability. XXXX say they are liable for sending the money only. They have seen the receipt XXXX sent me showing the money clearly transfer onto the correct credit card. Additionally I am racking up a phone bill from the XXXX XXXX XXXX XXXX XXXX XXXX every time I call, and Barclays have been earning interest on the {$610.00} since XX/XX/XXXX. I would like Barclays to give me the money I am owed and additionally take off the annual fee of {$99.00} for my inconvenience. Please help! XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The problem is- Barclays cashed a payment check in amount of {$170.00} and did not credit the account. They have also ignored communication asking them to apply the credit. Essentially, they cashed the check and kept the money. In case Barclays responds with we credited the account for {$170.00} I want to clarify something please. XXXX payments of {$170.00} were made. XXXX were electronic via the Barclays website. The third was a check. The XXXX electronic transactions went through as expected, on XX/XX/XXXX and XXXXXXXX XXXX. The third ( the check ) was cashed by Barclays on XX/XX/XXXX but not applied to the account. If that is all the information you need you may stop reading. : - ) However, here is further background in case it is relevant This is the third time something like this has happened with Barclays! It can no longer be called a coincidence. I am concerned that this could be happening to other customers too, who might end up paying Barclays twice. I know thats what would have happened with my elderly mother. ( She is the primary on the account and I am an authorized user. ) She would have sent a second check for {$170.00}. However I am assisting her affairs now so I was able to catch it. Similarly to the recent missing {$170.00}, the other XXXX times this happened a check was cashed but then the money seemed to disappear. Both times it was difficult and stressful getting Barclays to finally acknowledge the checks and credit the account. Were talking persistence being required. Phone calls and letters and waiting more phone calls and letters ( that they would say they never received ) and more waiting. My XXXX XXXX XXXX mother had to be involved in making some of these phone calls before it could finally be resolved. ( I should add that the phone number, address of where to send correspondence regarding errors as well as the fax number were accurately obtained from the bill itself. ) Alas, after the first XXXX problems with Barclays, my mom insisted on sticking with them so she could keep on earn points. Which brings us to the recent missing {$170.00} Over the past XXXX month I have sent XXXX faxes, each with images of the cashed check and a request to please credit the account. Barclays has not responded. This time around I wanted to avoid the phone calls and letters because previously those methods sent me in time consuming frustrating circles. An additional aspect of this problem is that I think it is unfair to put an elderly woman in a situation where she is expected to navigate complexities in order to get her payment credited. I see this as perpetrating financial fraud against an elderly person, or anyone for that matter. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93711
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A