Date Received: 2022-12-07
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: This is a slightly complicated issue, so bear with me : I had a XXXX XXXX years ago through Barclays Bank. I paid off the balance and closed the account back in 2018, and destroyed the card. XXXX balance, closed account. Sometime this summer, Barclays accidentally mailed us a check for {$2800.00}. We thought it was related to something else that we were working on, a different transaction with a different company. We deposited the check and directed the funds to an expense. This Fall, in XXXX, Barclays informed me that there was an error, and that they were placing the erroneous balance of {$2800.00} that we were accidentally sent by them, onto my closed credit card account. The closed credit card account now has a balance of {$2800.00}, and less now since we have made one payment through Barclays website. The balance has a high interest rate. We would like to use one of our ZERO interest cards to move the balance away from Barclays, and again, have this account eliminated. Here 's the problem. We only have the last four digits of the credit card, even when we go into Barclays website to make a payment. We can not do any kind of balance transfer unless we have the entire credit card number, expiration date, and security code. We have none of this information. We can only make payments. I called Barclays today and requested that they 1 ) reopen the account and send us a new card or 2 ) provide us with the information associated with the credit card or 3 ) provide us with some other way to access this account so that we can move the balance somewhere else. Even after escalating to a supervisor, I was told that they can not help us with my request. I was informed that the only option we have is to make payments to the currently closed credit card account that now has a balance on it. We get no statements, we have no credit card number - only the last four digits of this credit card that we paid off, closed years ago, that now has a new balance on it because they accidentally mailed us a check for {$2800.00}. Listen - My wife and I have no problem with paying back money that we mistakenly accepted, even if the check was sent to us by accident. I am only asking for a way to have full access to this closed account so that we can apply a different payment solution than simply paying them payments on their website, with their ridiculous interest. Frankly, I believe they are scamming us a bit by forcing us to pay their interest and not reissuing a card. It's a closed account. Why were they able to put a balance on it, but they can not give us access to the account information?? That is really XXXX. I hope you can help us resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Company keep sending letters about a fraudulent account to my neighbor adddress to XXXX XXXX XXXX XXXX and wont stop sending letters and he filed a complaint with XXXX and they are still sending letters to him. I want all the mail to stop sending to that address It coming from the fraud dept. I didnt apply for this metal card from Barclays and they denied my fraud claim and I want all the mail stop I dont live there!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/22 I took XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe it was on the flight from XXXX that the announcement was made regarding the in-flight promotional offer of XXXX reward miles and 0 % APR for the first 12 months. Because of this offer, I applied for the credit card and was approved, assuming that the promotion was applied. I have since discovered that the promotion was not applied to my account and they refuse to honor the promotion. They claimed that " Because our partners market through various channels, such as website or in flight, you may have agreed to a different offer. '' I believe this is an unfair, deceptive, and unethical business practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: When selecting the options, it did not provide the actual problem I am having although the option I did select is a concern as well. My problem is that I have had this credit card since I believe XXXX I have always paid my balance in full XXXX XXXX. Initially, I was able to make the payments online. I pay my balance from multiple accounts, so there multiple payments made every month. A XXXX XXXX ago ( or mayble less ), they limited the number of payments online to XXXX payments. This has been an inconvenience because I now have to call every XXXX and make the individual payments which is time consuming. This isn't even the problem. The problem is I tried making the payments for this XXXX and not only did they only allow XXXX payments online, but when I called to make the additional payments to pay off my balance, they told me that I couldn't do it anymore because i was limited to XXXX payments per day now. The XXXX I spoke with was surprised as well as she said this was the XXXX time she experienced this. I tried calling again later in the day thinking maybe it was a glitch, but in fact it appears it is the new policy. The representative suggested I start paying the bill early. Although I do make early payments regularly, I do not feel I should be obligated to do so. If my statement shows a payment due date, Barclay should honor that date and allow me to make the payments. The fact that they don't allow me to make all the payments online anymore is extremely surprising and I would think inefficient, but to not allow it over the phone makes no sense at all. That being said, the selection I made regarding the payment taking a long time to be applied to my account is also an issue when I make multiple payments. If I make XXXX payment, it seems to apply quicker. When I make multiple payments, I have to wait XXXXXXXX XXXX at times unless I call and have them speak with the bank to verify funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
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 am writing in merit to an issue I have been experiencing with Barclays Bank who erroneously closed my dispute XXXX XXXX with merchant XXXX in the amount of {$2800.00}. The issues began when speaking to a disputes agent to discuss the matter. I explained that the lost package had been located and the merchandise was returned to the merchant via the provided return label and we were awaiting a refund. I had never claimed that the matter was resolved. I gave the agent the return tracking number and assumed that the investigation would proceed. A few days later I received a letter stating that the dispute was closed claiming that I stated the charge was valid. The charge was valid in that it was not fraud, not the the matter was resolved. After speaking with the disputes department I discovered that the agent closed the dispute instead of waiting for the resolution from Barclay 's investigation XXXX from the merchant issuing a refund. The dispute was originally opened as a package from the merchant was not received. I confirmed that the lost package was finally located by XXXX. Once we received the missing package, we contacted the merchant ( XXXX ) and a XXXX return label was sent to us and we returned the package back to the merchant. When the agent ( Barclays ) called to discuss the dispute she misunderstood as I stated we still had not been refunded by the merchant and she just closed the dispute. Since this occurred it has been weeks of trying to reopen this dispute with Barclays who has not been accommodating. I have provided the merchant and Barclay 's a copy of the police report which states that the package was lost in addition to live chat conversations with the merchant ( XXXX ) where agents confirmed that the package was finally returned and delivered back to their warehouse but since I opened a dispute ( which was suggested by the merchant when the package was lost ) the merchant is unwilling to issue a refund although I do not have the merchandise nor have I been refunded for the order. This is stated in XXXX live chat sessions for which I am providing you copies of the transcript for XXXX dated XX/XX/2022 and XXXX dated XX/XX/2022. I am also providing a proof of delivery from XXXX ( merchants provided prepaid return label ) with tracking number XXXX which confirms delivery on XX/XX/2022 to the merchants warehouse in XXXX XXXX XXXX at XXXX and signed for by XXXX XXXX Neither the merchant nor Barclays have been helpful in resolving this issue from the moment the package was lost to its recovery by XXXX and returned to the merchant. I am expecting a full refund as the merchandise is no longer in my possession and the return receipt has been confirmed by XXXX. If Barclays is unwilling to assist in my dispute I am exercising my rights under the XXXX Credit Billing Act that this dispute be sent to chargeback arbitration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
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: XXXX XXXX XXXX ( " Brokers '' ), and XXXX XXXX XXXX XXXX, ( " Carriers '' ), failed to deliver all my items as promised within 30 business days. I disputed a {$750.00} credit card charge against Brokers for breach of contract and loss of property.. When Carriers finally arrived with my property on XX/XX/2022, Complainant paid carrier remaining {$800.00} balance, plus gave Carriers a {$750.00} money order payable to Brokers as replacement and settlement for the disputed credit card charge, otherwise Carriers and Brokers would hold my property hostage in a storage facility until I paid remaining balance. The Broker received and deposited the {$750.00} money order plus another {$750.00} from the credit card charge because Broker refused to notify credit card institution that they received full payment and the disputed charge was reversed. The Broker willfully and knowingly is double-dipping, receiving {$1500.00} when they are only entitled to {$750.00}.
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: 2022-12-07
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: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2022 a charge in the amount of {$260.00} from XXXX XXXX was charged. My credit card was stolen. i contacted Barclays had the account and card closed and charge disputed for fraud. XX/XX/2022 i receive a letter dated XXXX that the charges were valid due to Barclays investigating and finding the card in my possession. I contacted Barclays XXXX early morning explained there muist be some confusion i was told to simply fax a letter to XXXX include last XXXX of card XXXX and account id # XXXX and statement about what happened and how my card was stolen. i did that and faxed within the hour of speaking to Barclays. i called back the next day and received a confirmation from a rep that my faxed statement was received. From this day forward i have called numerous times every couple of days asking what is the status. i was told the case was reopened and to wait to be contacted. Today i am told by a rep in fraud or dispute department that no fax was received and i need to prove what happened by sending a letter, again, by fax AND mail. I was also told that this department is unable to make outbound calls so i will not be contacted. Therefore i have to continue to call explain my story over and over and transferred everytime for a status update. The attitude i received leads me to believe i will not be helped. This happened XX/XX/XXXX the charges here we are XX/XX/XXXX. It is bad enough to have ones property stolen now i have to deal with this and in such a rude manner. I feel helpless i do not feel they care to help me or will help me. This is wrong way to handle good customers who work hard and always pay on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2022, I applied online for a balance transfer through XXXX credit card for which I have an account for the amount of {$4300.00}. This amount was from my Barclays credit card. I was informed by XXXX that it would take between XXXX business days for the balance transfer to complete. On XX/XX/2022, I noticed that my Barclays account had a balance of {$4500.00} and my XXXX account was at {$4300.00}. I spoke to a Relationship Manager from Barclays by the name of XXXX at XXXX. She was very rude, not helpful and told me to call back the next day. On XX/XX/2022, I went to a XXXX bank in person and was assisted by a manager on the phone since they dont handle credit cards and was informed that my balance transfer was completed by them to Barclays XXXX Unfortunately, it was sent to them under the wrong account number. She advised me to contact Barclays and have them either credit my account for the amount or do a payment movement. On XX/XX/2022, I spoke with Barclays customer representative XXXX, and Barclays Customer Service Manager XXXX to cancel the balance transfer. He stated he would open an investigation into the matter and also contact XXXX credit card with my permission. He provided a Case ID : XXXX for my records. On that same day, I spoke with XXXX supervisor XXXX, XXXX account specialist XXXX, XXXX account manager XXXX who I confirmed that I had contacted Barclays to give him ( XXXX ) authorization to my account. I was informed that I would be contacted within XXXX hours with an update. On XX/XX/2022, I contacted Barclays and was given the number to their Investigations Department. I called back on XX/XX/2022, and was transferred between XXXX different Customer Care Specialist ( XXXX, XXXX and XXXX ) without any help and was transferred to the Collections Department who didnt understand why I was transferred to them. Barclays Customer Service Manager told me the investigation is still open. Barclays sent me a letter dated XX/XX/2022, requesting additional information to help with their investigation. It was mailed through XXXX, though they claimed they never received it. My tracking number showed it was delivered to them on XX/XX/2022. I received another letter from them dated XXXX, requesting the same information. It was faxed to them on XXXX/XXXX/XXXX. On XX/XX/2022, I called Barclays and spoke with XXXX who stated he might have been the XXXX I spoke with before. At first he stated he had no recollection of our conversation about my account, then placed me on hold. When he returned, he stated that they received my fax that morning at XXXX AM XXXX time and my account is currently being processed and I should call back in XXXX days. On XX/XX/2022, at XXXX AM, I called Barclays and spoke with Customer Care Representative XXXX. Our conversation was difficult due to a dog barking in the background. XXXX stated it was her dog and she was working from home. I informed her that I was calling to check the status of my account and the balance was still not right. She stated that there were some notes but did not disclose what they were. When I requested to speak with a Relationship Manager, she stated she would transfer me to XXXX in the office since she was working from home. My call went immediately back to the voice prompt menu where I disconnected the call after waiting several minutes for assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX Barclays advertised that if I signed up for the JetBlue XXXXXXXX XXXX, spent {$1000.00} on the card and paid the {$99.00} annual fee, I would earn XXXX in rewards miles. After completing all the requirements, Barclays only awarded me XXXX in rewards miles. I contacted them but they said they were unable to assist me with my rewards issue. They stated that in XXXX the sign up promotion was only for XXXX rewards miles and not XXXX. I didn't have a screenshot of the online marketing materials for the XXXX promotion but I do have an email marketing promotion for the XXXX before I was approved for the card. Here is the timeline of events and attaching screenshots of evidence. XX/XX/XXXX : I saw a promotion for XXXX rewards miles for the JetBlue XXXXXXXX XXXX and applied. Barclays said they would review my application. XXXX : I called them about my application and they said I need to provide scanned copies of my ID and Social Security Card. I send it to them but no response. XX/XX/XXXX : I receive an email about the same offer for XXXX rewards miles. I call Barclays again and they said that my Social Security Card was blurry and I needed to resend it. I resend it again. XX/XX/XXXX : I am finally approved for the card. XXXX : I noticed that I only received XXXX rewards miles after completing the requirements. I called and explained the issue. They opened a case for investigation. XX/XX/XXXX : I received a mail that they are unable to assist me with my Rewards Issue. Barclays does not have their act together. It took over XXXX months for me to get approved for the card only after calling them multiple times. If I hadn't called, I have no clue where my application would stand. I know I have great credit. They also release misleading marketing materials that I would get XXXX in rewards miles and only give XXXX. I just want to get what I was promised. I have already told friends and family the awful experience with this company so they are aware not to do business with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
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: In XX/XX/2022 I put a deposit on a vacation for the amount of {$1800.00} using my Barclaycard. In XX/XX/2022 I received my statement and paid off the balance in full. Due to the vacation area unfortunately bearing the full impact of Hurricane Ian in XX/XX/2022, I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX and cancel my vacation and retrieve my deposit back. They refused. I put in a dispute with Barclays for the charge of {$1800.00} in XXXX of 2022 and that amount was credited to my account. I asked for Barclays to be send it back to me in the form of a check as I had cancelled my credit card and I was sent the amount of {$1800.00}. I did not cash the check as Barclays was contacted by XXXX who told them I had to pay the deposit. Barclays sided with XXXX and closed my case. I sought legal representation and the lawyer managed to get XXXX to agree to cancel my vacation, as they were unable to provide me with lodging. Barclays is saying that they are unable to obtain funds from merchant, and XXXX is saying funds were released to Barclays in XXXX upon my initial dispute. Barclays now have sent me a statement, as they believe that I owe them {$1800.00}, and it is collecting interest daily. They have sent my information to the Credit reporting agencies. I have spoken with many different representatives ( 25 plus ) and they are unable to help me, nor fully understand the problem. Each time I call I have to speak with a different person, who gives me different answers. They have truly complicated a very simple issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A