Date Received: 2022-12-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I took out a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Barclays. When I had difficulty working with the website to pay my bill, I sought help via their customer service phone number. They couldn't help me with my password or user name. They couldn't help me access the account. So, I told them I wanted to cancel the account since it was difficult to use/manage and asked for the outstanding balance of {$180.00}, which I paid, over the phone, on XX/XX/2022. ( BTW, I pay all my bills and do all by banking online. I know how to use these systems, but theirs just doesn't work. ) Then, on XX/XX/XXXX I received an email saying that I was behind in my payments. I contacted them by phone on XX/XX/XXXX. They told me I had a balance of {$9.00}. This balance was due to an interest charge of {$1.00} on the final balance I had paid off when I cancelled the account on XX/XX/2022. In the intervening months, late fees and interest charges accrued totally {$9.00}. I don't think I should have to pay these late charges or interest. Maybe I do need to pay the {$1.00}. But even if I pay the entire balance, how do I know this will end? I could pay the entire {$9.00} right now only to find in a few months that I owe them another {$20.00} for interests and late fees they charged on the {$9.00} balance. The account is closed. I have no access to it. They have sent me no paper bills, but even if I pay the bills, then they just charge me interest on the previous balance. It never ends. I tried to get the charges removed by calling the customer care people. Three people put me on hold, then after several minutes, they hung up on me ( while I was on hold ). The customer service people seem to mean well, but the system is rigged to keep robbing you even after you close the account and pay of the balance since they charge you interest on whatever balance you had when you paid it off to close the account. No one will help me. All I get are some XXXX people at a call center in XXXX, but they can't do anything. They told me to call the number on the back of the card but I threw away the card when I cancelled the account and none of them can give me the number I need to call. It's hard not to think XXXX is just running a scam. Does XXXX know about this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I used my XXXX XXXX XXXX card to make a {$19.00} purchase. The {$19.00} balance was paid on time, in full and I received confirmation on XX/XX/XXXX from XXXXXXXX XXXX the cards issuer. In XX/XX/XXXX, the card issuer switched from XXXX to Barclays. Barclays automatically issued me a new XXXX XXXX XXXX, which I did NOT activate. On XX/XX/XXXX, I received a past due notice from Barclays bank indicating a {$25.00} balance event though I had never used the card. Notification of a negative event on my credit report prompted me to follow up with Barclay 's bank on XX/XX/XXXX. By this time, the credit card balance was {$52.00}. I called Barclay 's bank to inquire about the charge, have the charge and all fees removed and request that the bank remove the negative events from my credit report. The Barclays representative confirmed that I did not make a {$25.00} purchase, but " it appears '' that when the card issuer switched from XXXX to Barclays my {$19.00} payment was returned and I was then charged {$25.00}. ( I checked my accounts and do not have record of {$19.00} being returned ). The customer service representative was unable to waive the late fee that brought the balance up to {$52.00} and submitted it to her supervisor for approval. She said that Barclays would not be able to help to correct the negative events on my credit reports. Even though the {$52.00} balance was not due until XX/XX/XXXX, I paid it on the phone with the representative, in order to avoid additional fees and negative events on my credit report. However, on XX/XX/XXXX, I received notification that my credit reports were showing another negative event. Barclay 's bank had reported the {$52.00} payment " late '' and my score went down another XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: In XX/XX/2022, I stayed in the XXXX XXXX XXXX in XXXX. I was charged correctly for the room, but after my second night out of XXXX, I saw a charge for XXXX USD. I asked the hotel what that was for, they said they don't know, And that they did not put the charge through. I have been since trying to reach Barclaycard US and wrote them a dozen times, But did not get a response, I even wrote The presidents office, But got no response. Investigations only told me that they authorized the charge, Never explained why, what the charge is for or why the hotel doesn't even know about it. I have a copy of the email, where the hotel wrote me they don't know about the charge. Since I didn't pay the charge of XXXX, it has since then increased to XXXX USD with late fees and interest, And my credit score dropped XXXX points, All because of a fraudulent charge that no one told me what it was for. It has been 7 months, and no one until this day canceled the charge, responded to my concerns or anything really.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 139XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Last contact made with Barclays Bank about them closing my Credit Card without my knowledge that had been open since XXXX was XXXX. They said I would be contacted within 24-48 hours. I cant even begin to explain how frustrating it is to see your Credit be destroyed all because the right hand doesnt know what the left hand is doing. On XX/XX/XXXX a letter was sent stating that my account in question was being closed due to fraud ( this was the second/third ) time a new card was issued for the Same fraud claim. On XX/XX/XXXX a letter was sent stating that my account was closed due to non-payment. 2 days later Really!!! I hadnt even gotten the New replacement card. Completely unacceptable. They stated that the card was closed due to non-payment but the card was in Fraud investigation since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had applied for a Wyndham Rewards Credit Card at a timeshare presentation in XXXX of 2022. I had a timeshare purchase made on the card and had it cancelled a couple of days after due to pressure tactics and had not used the card until XXXX after being promised a promotion. Upon further review, I noticed Barclays was offering an introductory XXXX Bonus points if the card was used for purchases totaling {$1000.00} within the first 3 Months. Prior to using the card, I had a conversation with XXXX on XXXX XXXX via an online chat which I will include. I had asked her if I were getting the promotion being offered online to which she responded I was not and and advised me I was getting a different promotion. After asking her why I was not as it is listed on the website, She came back and said she does show the XXXX bonus points and will submit a ticket to ensure I receive the promotion after completing the requirements. I then started using the credit card ( to which I am sure Barclays received a nice profit from merchant fee 's ) and had used the credit card for all my purchases for the next 2 months to guarantee I spent over {$1000.00}. In total spending well over {$2500.00}. When I called to ask about the issue I was told by several representatives the issue will be reviewed and I will be contacted. After finally calling again on XXXX XXXX at XXXX, I received an unsatisfactory response from the credit card company. The last representative XXXX, rep ID XXXX, stated bluntly, you are not getting the bonus points because that was not part of the terms and conditions of your credit card offer. After explaining to XXXX, my conversation with the other representative XXXX on XXXX XXXX she did not care and stated it doesn't matter what was said. I want to reiterate, and stress, the only reason I used this credit card in the manner I did was due to the conversation with a representative and Barclays is not holding up their end of our expressed contract. This is not only horrendous customer service but fraudulent in nature. In utmost dissatisfaction with the company, I had cancelled the credit card on XXXX XXXX. Please assist in obtaining what was offered to be added to my Wyndham rewards account XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Briefly, my complaint is about both errors in my credit card bill, and the impossibility of contacting anyone about it. Over the past XXXX weeks, I have spoken with XXXX supervisors, each of whom assured me that they someone XXXX or XXXX levels up in management would get back to me. Each of them confirmed that the bills of my last XXXX months do not look right - the totals themselves were/ are incorrect! I have never been provided with any way to contact anyone there, and when I have phoned in, my only option is to speak to yet another supervisor. Neither have any of the supervisors left notes that subsequent supervisors can review. Apart from a woman named XXXX see below NO XXXX has ever contacted me about this issue from Barclays. There was XXXX supervisor, and woman named XXXX, who did leave a message for me on my phone even to the effect that Barclays was giving me {$100.00} to compensate for the difficulty I have experienced in dealing with this issue, with the impression ( but not certainty ) that she was continuing to research my issues. My impression is that XXXX was trying to resolve this issue, but she was under constraints by Barclays. She was not able to leave any way for me to contact her, leaving me none the wiser as to the status of my account, and still with no recourse. I was never given a case number or any indication that my complaint was being taken seriously until this recent not very clear message, and although I filed, weeks ago, what I was told was a formal complaint over the phone, there was never any indication that that ... went anywhere. I find it remarkable and ridiculous that there is no way for an agent of Barclays to be contactable, that there is no continuity built into their system, let alone that numerical discrepancies could arise in their credit card assessments/ calculations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Barclays Bank of Delaware is violating the Gramm-Leach-Bliley Act - 15 U.S. Code 6802 by furnishing a report to XXXX without my approval XXXX The information with BRCLYSBANKDE account starting with XXXX o should not be on my XXXX report it is a violation and therefore a fraud.
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: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a late payment for a credit card from BARCLAYS BANK, DELAWARE XXXX XXXX XXXX XXXX, DE XXXX that was opened in 2021 under my name, I never opened a credit card with this account and have idea how this happened, XXXX XXXX XXXX XXXX and can not go home for the holidays now because I wanted cant apply for an airline credit program that would have been able to help with my ticket because these charges dropped my credit score so significantly. This bank has multiple reviews online saying its into shady business and currently has one star on XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
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 inquired about a battery storage system for my residential solar system on or about XX/XX/22 and completed the purchase from XXXX XXXX on XX/XX/22 after verifying with the supplier that the system was compatible with my inverter and asking about whether there were no recalls on the battery ( I had become aware of reports in the intervening time from original inquiry date and eventual purchase date ). After delivery, the battery system was, in fact, incompatible with my inverter and, indeed, there were recalls concerning this device. I requested a Return Authorization from the supplier and was informed at that time that a 20 % restocking fee was applicable. At no time before my request and in no documentation provided to me was there any prior notification of a restocking fee associated with the purchase contract. I returned the battery on XX/XX/22 in original, new and unused condition in the original packaging per the stipulation of the supplier ( which was the only condition that was mentioned in correspondence ). The supplier has received the battery and has made no representations that it isnt in the condition required for return. I let the credit card company ( Barclays ) pursue my dispute of the restocking fee and after months of correspondence and providing corroborating documentation, my creditor informed me that they wouldnt pursue the matter further and they found for the supplier.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( BARCLAYS BANK DELAWARE ) company. I requested that they send me the written " Permissible Purposes '' document, with no response. I suffered injury to my consumer report and score. 15 USC 1681b states that written Permissible Purposes must be given by the consumer and no other.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A