Date Received: 2022-12-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened a XXXX XXXX XXXX ( Barclays ). Because I was offered balance transfers for a small fee, I transferred about XXXX as the card advertised one year no interest, giving me a year to pay this off, which I had done with another card. I opened the card in XXXX, transferred the balances in XXXX, and they promptly asked me for my tax returns ( to verify my income ). I have had a card issuer ask me for this to justify a limit of {$10000.00} on another card, so I didn't think this unusual. So, I sent the requested documents, and in XXXX they froze and closed my account, the only reason given was that my tax returns were not adequate proof of my identity? They did not ask for any other proof than the tax returns to verify my income. When they closed my account they ended my XXXX year 0 % interest, so I am having issues reducing the balance due to the outrageous increase in interest rate! Another huge issue is that I had opted for 'paperless " statements, but I have never once received a statement paperless or otherwise, so I have no documentation, as there is no possibility of printing a statement from their website. I have to log onto the website to even know what the payment due is, and look at transactions to see the interest. I didn't receive an 'adverse action ' notification of any of the changes, or an explanation, of why my goverment tax return was not sufficient proof of my identity?? Or of a termination of my 0 % interest balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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 XXXX Barclays identified fraud on my account and alerted me. I promptly confirmed the fraud and initiated a fraud dispute for 3 charges with XXXX. My card was replaced and a new one shipped and activated. As of XX/XX/XXXX the charges continue to appear on my account. Speaking with Barclays representatives I'm being advised that a fraud investigation is in progress and will take anywhere between 1 and 2 billing cycles. However, no provisional credit for these charges has been issued and I was adviced to 'pay them now to avoid any interest and in 1 or 2 billing cycles you will get credit for the charges " This is completely unacceptable. I should not have to pay for fraud charges on my account, not even while an investigation is in progress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 Barclay Bank received AND cashed a complete payoff check in the amount of {$10000.00} sent to them on my behalf by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX. That payment was never reflected on my account. Barclay Bank has continued to charge me interest since cashing my check and has continued to auto withdraw my minimum monthly payment from my account. After becoming aware of the continued theft on or around XX/XX/2022 I called Barclay Bank. A Barclay support XXXX ( name unknown ) instructed me to send proof of payment to XXXX. That email bounced. On or around XX/XX/2022, I again called Barclay Bank to confirm/correct the email address. A Barclay support agent named XXXX instructed me to send the proof of payment to the email address XXXX. XXXX also indicated that she would place a request for the interest charges to be returned to me. On XX/XX/2022 at XXXX, I was called directly by Barclay Bank fraud department due to suspicious activity. The fraud department agent resolved the fraud concern and requested a new card. I then requested to be transferred to the resolution department to confirm that my case had been created with Barclay Bank. The fraud agent transferred me to a general support and I again requested to be transferred to the resolution department. The agent transferred me to an agent that identified himself as XXXX, a resolution department manager. I reviewed my complaint with XXXX and he indicated to me that the two previous support agents provided me with false information, and that he would document his concerns on my account. He further explained that Barclay Bank does not accept documentation regarding resolutions via email at all-ever, and that there is no request or form that XXXX is authorized to make regarding my interest charges. He then instructed me to fax my proof of payment, the check number, the account number, and a front/back copy of the check to the fax number XXXX. At the conclusion of our conversation at XXXX, XXXX indicated that he has thoroughly documented my complaint and our conversation. He instructed me to call the general support number back after submitting the requested information, request the general support agent transfer me to a manager in the resolution department and ask the resolution department manager to review the notes on my file so that I would not have to continue repeating my story each time I call back in. After the call with Barclay Bank, I contacted my financial officer ( XXXX XXXX ) to see if she could provide any support in this resolution process and provide me with the information XXXX requested from me. She indicated that she would be reaching out to Barclay Bank directly. After leaving XXXX 's office, I was advised by my attorney to contact Barclay Bank to request my complete consumer file from them and to request that Barclay Bank stop stealing money from me and to freeze all account activity, to stop charging me interest, and to stop taking my minimum payments until this case is resolved. I again called Barclay Bank on XX/XX/2022 at XXXX, requested to speak with a resolution department manager, and requested that the XXXX department XXXX ( XXXX XXXX ID # XXXX ) review the notes on my account. She stated that there were no notes on my account regarding the issues in resolving this case. I then spent approximately 1 hour and 35 minutes again reviewing my entire case and finally getting it documented. XXXX ( Agent ID # XXXX ) indicated that it was actually XXXX that had provided me with false information and NOT the two first agents that told me to email. She indicated that she will note the misinformation on my account. She further clarified that she also noted XXXX 's failure to note and document our conversation as promised by him. In working with XXXX ( XXXX ID # XXXX ), she created a resolution case with me on the phone. She provided me with the resolution case number XXXX. I provided her with the previous email attempts, and a front/back copy of the check that I was able to obtain from XXXX XXXX XXXX She indicated that I would need to send a letter requesting my complete Barclay Bank account file ( inclusive of all call logs, all agent ID # s, all notations on my account from calls, and the recordings of my calls ) to the fax number XXXX. I will submit a request for that file by XX/XX/2022. I also requested if XXXX could freeze my account and payments. She indicated that she was not authorized to honor that request, but that she will submit it to some sort of escalation team, and that I should expect a call from someone on the escalation team within 24-48 hours. She also indicated that she will be requesting that the escalation team review all of my call recordings, and that she was creating some sort of complaint case for that escalation team. The escalation team complaint case number provided to me by XXXX is # XXXX. The call with XXXX concluded at XXXX. On XX/XX/2022 at XXXX, I received a call from Barclay Bank phone number XXXX. The caller failed to leave a voicemail. In attempting to return the call, a recording indicated that the number was for outgoing calls only. I then called the XXXX call back line ( XXXX ) provided to me by XXXX at some point during our previous call. I was connected to an Agent ( name unknown ), but I could not hear her because of her poor connection. She then attempted to correct her connection issues and returned to the call, but the quality of her connection remained poor. She then placed me on hold. I believe at that time the agent, without informing me, transferred me to another agent. This alleged new support agent identified herself as XXXX ( XXXX ID # XXXX ). XXXX indicated that she was a XXXX XXXX XXXX. She asked how she should help me. I stated to her that Barclay Bank in fact called me, and that I was returning the call. She then looked at my account notes and indicated that it was possible the escalation team was attempting to reach me, but that she had no further information. She informed me it was " above her head now, '' and that she was unable to help me. I then requested that XXXX transfer me to the escalation team or the escalation team member that attempted to contact me. XXXX indicated that she was unable to do so and that there was nothing she could do for me. After expressing disbelief to XXXX, I asked her to confirm the current facts of the call- that Barclay Bank called me, did not leave a voicemail or return contact information, that I had in fact reached Barclay Banks XXXX XXXX call back line that customers are supposed to use to return phone calls to managers, that she was unable to assist me, that she was unable to transfer me to the escalation team or the escalation team member that attempted to call me. She confirmed my summary to be accurate. I then asked her what the next steps are since I apparently can not initiate contact. She indicated that I have to sit around and just hope for another call back from the escalation team and hope even further that I am available when they attempt to call me again at an unidentified point in the future. I am also concerned about the annual fee being charged to my account. I am currently of the recollection that my annual fee was to be $ XXXX {$99.00}. The annual fee was not a promotional annual fee. My statement now indicates that my annual fee is {$190.00} as charged to my account on XX/XX/2022. I expect Barclay 's to address this concern as a part of my overall complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: ON XX/XX/2022 we went to XXXX attended the presentation. XXXX XXXX ( different name on the credit card statement ) try to sell us membership ( said that it was not time share ). The price was too high, we were told we have 2 years to cancel with full refund. later found out that was not true. It's only XXXX days to cancel. This is fraud, and now they don't want to cancel the contract saying that I signed the contract. This is another lie because they emailed the contract on the wrong e-mail address, so I never received the contract. When they send me the signed contract i see that they used my signature ( fraudulently ) to put everywhere in the contract that I never received. The name showing on the credit card as a merchant is " Loyalty travel destination '' but the name where to send payment and correspondence is " XXXX XXXX XXXX ''. The business card shows " club sunset '' and the place is called " XXXX XXXX '' who knows how mayny more names there are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was purchasing a timeshare but due to a tragic death of my husband and myself being unable to use it because I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was forced to sell the timeshare. After the sale, the timeshare company billed for the monthly charge and maintenance fees. I notified XXXX of the mistake and notified the credit card company, Barclays, of this as well. XXXX said they would notify the credit card company and after I notified Barclays the error was to be adjusted. Barclays never made the adjustments and added late charges and fees and sending a bill each month. I, and family members have made multiple calls to Barclays to get this resolved and have been told it is a XXXX balance and late fees are reversed but they continue to bill each month with a credit and additional fees. They have reported my account to the credit burials and have ruined my excellent credit. And they canceled the card, not that I used it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: so I was on the website in the middle of filing out a balance transfer offer of XXXX percent when it kicked me off and when I went back in the offer was gone. I called customer service waiting for a manager and the manager told me she was going to send out convince checks that I can use for the same offers as XXXX percent up to my credit limit I used the manager on the phone 3 times and she said yes no problem at all. so I called back just to make sure and they told me I could only do it up to my cash limit and I said wait a minute the manager said I can use it just like an offer. I was lied to by the customer service manager reps in the Barclays company and they will not honor what I was promised by a manger the call was even recoreded and they confirmed the manager told me that they even have the proof that they won't honor and they basically called me a liar saying that I never filed out the offer halfway which I did and I dont like being a liar they are saying they can't find it which I know I did it and I want this honored just like the manger told it was going to be and the cooperate will not budge and do anything that I was promised by the managers on the phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently received a copy of my ( XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The status of the account is inaccurate and must be deleted immediately. This item has 3 violations- according to FCRA - Reporting utilization is illegal. Reporting late payment is illegal, and WRONG Account status. Barclays Bank Delaware illegally reporting the consumer experience ( utilization and payment ), and account status on my consumer reports. BRCLYSBANKDE XXXX # XXXX. List of violations ( this may increase as I review this account further ) : Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 US code 1666b ( a ) Barclays Bank DELAWARE is in clear violation of the law by wrongly characterizing an income as a collection account. Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) -- Exclusions - Except as provided in paragraph ( 3 ), the consumer report does not include - ( A ) subject to section 1681s-3 of the title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states : Transaction or Experiences between the consumer ( ME ) and the person ( You ) Barclays Bank DELAWARE making the report is NOT INCLUDED on the Consumer report! Utilization and late payment are experiences with the line of credit that was extended between the consumer ( ME ) and the person ( You ) Barclays Bank DELAWARE that is making the report. Congress clearly states that the reporting of transactions or experiences between consumer and the person making the report is not included on the consumer report. You are violating the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( utilization ) on my consumer reports which congress clearly states that is not included on my consumer reports. Barclays Bank DELAWARE is in clear violation of the law. Pursuant 15 US code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Barclays Bank DELAWARE is in clear violation of the law by wrongly characterizing an income as a collection account. Once 1099a or 1099c is filled as a result of charge-off the account becomes a taxable income. This makes the characterization of the account wrong. Barclays Bank Delaware is reporting an income. See attached Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/2022 ). Because of your illegal act and continued violation of my rights, I have been denied mortgage loans, personal and business loans, bank accounts, and credits by several banks for months. I am giving your 48 hours to delete the information. Failure to respond satisfactorily with the deletion of the above items will result in legal actions being taken against your company for which I also will be seeking {$1000.00} per violation for : 1. defamation of character 2. negligent non-compliance 3. civil liability 4. Mental anguish 5. FCRA 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Barclays, I did not request a dispute with you through XXXX. XXXX fraudulently requested on my behalf without my permission and I am planning to pursue legal action. Please provide in writing who requested this dispute. My statement balance is {$0.00}. Why are you randomly updating my consumer report? You have no permissible purpose to report or share in the first place. Consumer reporting is voluntary and you do not have my permission pursuant to the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have travel cancellation/interruption service through Barclay 's XXXX ( provided by XXXX XXXX XXXXXXXX XXXX XXXX XXXX I had a trip interrupted due to covid in XX/XX/2022. I submitted all the necessary documentation on XX/XX/2022. The total costs were about {$700.00}. The company repeatedly emailed me again and again asking for the same forms. I repeatedly replied I had already sent them and gave them the relevant information. They never said the information I submitted was insuffiicent- just kept sending me automated requests over and over. Then on XX/XX/2022, I received an email from them stating that I had filed a claim for {$200.00} and they had paid me the {$200.00} ( I did receive this money in my account ). They did not deny my fulll claim or say there was anything insufficient about my submissions or that there was any kind of deductible - just that my demand was {$200.00} and they had paid me {$200.00}. I've sent multiple follow up emails since then and they won't respond or provide any basis for the minimal amount they paid me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an Old Navy Rewards credit card. Recently they moved this card to Barclay 's. I never received the new card nor new statement. I received an email in XXXX, 2022 that I have an outstanding payment on my account but was unable to pay it since I don't have the new card to setup payment online. I called Barclay 's on XX/XX/2022, made a payment over the phone and the agent cancelled the missing credit card and requested a new card to be sent. The late payment fee of {$30.00}, was also reversed, per the agent. Then in XXXX, I received a statement that I owe {$64.00} ... all service charge. The agent that I spoke with the first time, didn't reverse the {$30.00} correctly, therefore, resulting in interest charge and additional late fees... now totaling {$64.00}. I once again called and the agent on the phone said, she can see that the first {$30.00} late fee was not reversed which resulted in additional late fees and interest charge. This agent said she will reverse all the late fees and interest charges on the account and at which time, I requested the account to be closed. I was assured the account is closed and all the fees are reversed. There will not be additional charges. Then in mid XXXX. I received a letter indicating that my account is closed as of XX/XX/2022 but there is an outstanding balance of {$67.00}. On XX/XX/2022 at XXXX XXXX pacific time, I called Barclay 's once again and spoke with a XXXX. She reviewed the account, confirmed the account is closed and see that there is an outstanding balance because the fee reversals which was supposed to occur previous months didn't take place and additional service fees and late charges continues to be added to the account. XXXX has once again reversed all the lates fees and service charges and has assured me that the account is at a " XXXX '' balance. I won't be surprised if I see another statement in XXXX indicating a higher outstanding balance as more late fees and service charges are being added. I have no confidence that Barclays will take care of this issue, one that began when my account was transferred to Barclay 's and I never received the new card. The act of charging late fees on top of fees that was not reversed correctly is absolutely ridiculous. Having a customer call back multiple time to resolve one issue is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A