Date Received: 2022-11-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX I received a letter dated XX/XX/2022 that Barclay XXXX XXXX had closed my account for being more than 90 days past due. I logged in to my account on XX/XX/2022 and reviewed the account. I owed {$5.00} in XXXX after paying off the balance- this was an interest charge because of the date that I paid. I did not realize that this charge had occurred. I received NO paper statements or emailed statements. I also received NO phone call since XXXX about this past due. Over the next months I received incremental late charges totaling just under {$100.00} when I logged in yesterday and paid the total amount. I called the XXXX yesterday and they were closed ( Sunday ). I called today and spoke to an agent who told me the following : 1. I should be receiving emailed statements- I confirmed my email address - this is strange because I have another Barclays cc and receive statements no problem ; I searched my email for every combination of possible email that I can think of and nothing is there - in fact, the last email I have about my account is from XX/XX/2022 from XXXX, the company that used to have the XXXX XXXX accounts before they switched to Barclays. 2. I am not receiving paper statements 3. There was a cease and desist on my account so they could not call me - I do not remember telling anyone to not call me, so this is strange. I have never requested any credit card not to call me. I asked that that be removed which the representative said that she did. I asked the following questions, and the representative could not answer me : 1. Is my account going to remain closed 2. Was an adverse action reported to the credit bureaus- she said that they report past due payments after 30 days but could not tell me if a report had been made on my account 3. What email are my statements coming from - meaning what email does XXXX XXXX Barclay use to send electronic statements- this way I can search my email to see if I missed the statements- she could not answer that 4. How did I end up on a cease and desist list so that they couldn't call me - I do not remember speaking to anyone in the past and certainly do not recall telling them to never call me again. I asked to speak to a supervisor - after holding I was told that none was available but that they would call me back today. I asked that the cease and desist be removed so that the supervisor could call me. I am mostly concerned about negative reporting to the credit bureau for this very small amount of money - it seems unreal that this would happen for less than {$100.00}. I have no email of statements because I didn't receive any - all I have are statements which they have access to. And the letter that they sent me dated XX/XX/2022. I am happy to provide anything that would be helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15010
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclay 's Upromise Mastercard has had my credit limit at {$16000.00} for years. I only had around {$700.00} dollars charged on my card. I have never once missed a payment. My credit score is good and hasn't changed much in years. Out of nowhere, for no real reason besides nonsense that they made up, they reduced my credit limit down to {$1000.00}. Clearly this was done because they think the economy is headed for a recession, but my income has only gone up, and much of it is fixed as I am a XXXX veteran. What they did hurts my credit dramatically by reducing my available credit and changing the percent of credit I am using by an enormous percentage, which then creates a snowball effect with other credit cards. I emailed them on XX/XX/22, and asked them to please change it back to what it was and they sent me an email saying I could request a credit limit increase, but warning me that it would be a hard inquiry and that would hurt my credit. What Barclay 's Upromise Mastercard is doing is wrong and it hurts consumers. Whatever their made up reason was for this action isn't a real reason, and they should change my limit back to what it was before it destroys my credit. Credit card companies shouldn't be allowed to destroy a consumer 's credit when the consumer has never done anything but pay their bills on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: complaint # XXXX Attn XXXX : XXXX XXXX account numbers are XXXX and XXXX. I only have access to XXXX, that is where I would like my miles to go. Thank you Frontier Airlines somehow has XXXX member accounts under my name. I have tried 15 times to contact XXXX to resolve this and they keep sending me to a recorded line with no help. I have paid for XXXX 's discount XXXX plan more than once and need that resolved. I need my account with all of my miles and my payment history for the discount den plan. I've tried over and over to speak with someone from the credit card company and tried to call XXXX. Impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Barclay ran a hard inquiry without my consent. I requested a credit increase and was told there would be a " soft '' inquiry, which is far less detrimental to my credit score and report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Context : I had a XXXX XXXX card issued to me many years ago ( roughly since XXXX ), but has been been closed within the past year or so due to inactivity. I did not pursue applying for a new card, and no longer wanted any part of promotional emails regarding their credit card. Regarding this card, I have taken repeated actions of the following with no resolution : XXXX ) Directly through promotional / marketing emails, I have unsubscribed from all options. However, I continue to receive the same emails over the course of many months/ years. This proves that not only do they continue to store customer information without consent, but they are acting in a predatory and dishonest behavior by continuing to send these unwanted emails without any regard to the end customer. XXXX ) I have asked to remove me from any/ all emails going forward. Clearly this request has been ignored as I continue to get them to this day ( last one received XX/XX/XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was absolutely ripped off by Jetblue. Plain and simple. I was promised on a flight that if I signed up for the JetBlue Barclays Mastercard, I would get XXXX points, no annual fee. I was literally given a booklet and a pamphlet advertising it all. I went and I applied and not only did I get hit with an annual fee, but I never received the XXXX points as promised. Yeah when I called them they said because I applied on XX/XX/XXXX and the promotion didn't take place until XX/XX/XXXX so I was not eligible. I find these business practices to be misleading and disgusting. You cant hand out promotions and flyers on a flight, announcing for people to apply for something but not mention it doesn't take effect until XX/XX/XXXX. Unacceptable, misleading and wrong. They were handing out flyers on these flights and announced it on the PA system, I guarantee I was not the only one misled by their shady business practices. I also don't like how they advertise introductory 0 % APR for a year, but then in small letters later on after you apply it says 0 APR only for balance transfers. That's shady too but that's the least of the problems I have with this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Frontier Airlines somehow has two member accounts under my name. I have tried 15 times to contact Frontier to resolve this and they keep sending me to a recorded line with no help. I have paid for Frontier 's discount XXXX plan more than once and need that resolved. I need my account with all of my miles and my payment history for the discount XXXX plan. I've tried over and over to speak with someone from the credit card company and tried to call Frontier. Impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a XXXX XXXX card with automatic payments set up. Charged a purchase in XX/XX/2022, then the XXXX XXXX card was moved to barclays bank and they removed my automatic payment selection on the card. This caused my card to to past due, damaging my credit, and charging me late fees. I've since paid off the original balance and was told by Barclays that they would waive the fees and interest. But each month they promise to waive the fees and assure me it's resolved, then I get another late fee charged the next month. This has happened 3 times already and now they've just refused to resolve it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have lost over {$15000.00} to Barclays Bank, and I am complaining to get it returned. I had a large credit balance -- more than {$15000.00} -- on my Barclays XXXX due to a cancelled trip where my money was refunded to the card. I called into Barclays to request the money be sent to me. I was told they would have to send me a check, and that there is no way to send it by express mail or to deposit it electronically. ( I pay my bill electronically, so ironically they can withdraw from my account, but not deposit ). How convenient that it only works one way in their favor. The check is lost, and so is my money, and they have lied to me about it. The credit balance has disappeared. The money is gone. I called into Barclays approximately XXXX XXXX XXXX on Monday, XXXX XXXX, and requested another check be sent. I was told it would go out regular mail again, and I complained to a supervisor who finally relented and said they would send it out Fedex, but it would still take 3 to 5 business days. I have not received the check, and I called in this morning, XX/XX/XXXX, and was told by another supervisor something completely different. No check has been sent out and they will not use express mail, and what I was told on XX/XX/XXXX by a supervisor is not true! I think I was lied to just to get me off the phone. Even worse, I can get NO INFORMATION whatsoever as to the status of my money, and this latest supervisor even stated that it could be one to two billing cycles (! ) for them to re-process my {$15000.00} refund. I am not OK with this at all. They are stealing my money or at least the use of it. It's outrageous that they can receive payments electronically, but not send them back electronically. This is abusive, and it is intentional, and I have been lied to in the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
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/XXXX : Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Barclays Bank ) XX/XX/XXXX : Activated new XXXX XXXX : First charge with new XXXX ( {$18.00} ) XX/XX/XXXX : Email notification of ( XXXX ) XXXX statement available online XX/XX/XXXX : Opened monthly XXXX statement onlineDISCOVERED {$21000.00} XXXX Balance {$20000.00}. transfer to Bank XXXX XXXX on XXXX plus {$1000.00}. bank transfer fee. ***NOTE : I did not initiate the funds transfer, or authorize the funds transfer. XX/XX/XXXX : Reported fraudulent {$20000.00}. transfer to XXXX to Barclayssurrendered XXXX XXXX ( destroyed ) and blocked all transactions. New replacement XXXX ordered. XX/XX/XXXX : Activated new XXXX XXXX XXXX XXXX XXXX {$20000.00}. provisional credit for disputed funds transfer to restore use on XXXX XX/XX/XXXX : Called XXXX XXXX XXXX to close Alaska XXXX XXXX XXXX XXXX XXXX XXXXCustomer Services Representative XXXX. Discovered a balance of {$18000.00} credit in the accountand a {$20000.00}. funds transfer from Barclays Bank on XXXX. I told XXXX that the transfer was a fraudulent transactionthat I had reported the disputed transfer to Barclaysand I asked BOA to reverse the transferand call Barclays Bank Investigations division to help resolve the case. XXXX said that bank to bank cooperation to resolve the dispute was not possibleshe persuaded me to authorize the transfer of the {$18000.00} credit in the closed XXXX account to my personal bank. XXXX : I verified with XXXX XXXX our entire conversation was recorded! and from this time forward, I asked for and received assurance that all conversations with Barclays Bank were recordedand were required to be recorded! XX/XX/XXXX : I called Barclays Bank Investigations division and told them that I discovered that the BOA account that was sent the {$20000.00}. transfer from my Barclays XXXX account belonged to me. ***NOTE : I did not initiate the funds transfer, or authorize the funds transfer. Barclays had no interest in my attempted help or added information for their investigation?! XX/XX/XXXX : Received {$1000.00}. provisional credit for the {$1000.00}. bank transfer fee debit. XX/XX/XXXX : Barclays concluded their dispute / fraud investigationfinding that the transfer activity was validand reinstated the {$20000.00}. transfer debit and the {$1000.00}. bank transfer fee debit. Barclays Bank did not clarify what generated the funds transfer?! XX/XX/XXXX : I called Barclays Bank XXXX division and spoke with a representative named XXXX said that the case was closed and XXXX could not discuss it. I asked to be transferred to a managerand the person was XXXX. I discussed my frustration with the closing of the investigation with XXXX she gave me the option to write a request to re-open the investigationand the Barclays Bank address to send my letter to. XX/XX/XXXX : I wrote and mailed a letter to Barclays/ Investigations requesting that my fraud investigation be re-opened. XX/XX/XXXX : No reply to my letter from Barclays. I verified with Barclays Bank that all of my outstanding XXXX charges were paid in full and I closed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance remaining that was the disputed {$20000.00}. transfer to XXXX, the {$1000.00}. Barclays Bank transfer fee, and interest and fees in connection with the disputed transaction. XX/XX/XXXX : I called Barclays Bank XXXX division and spoke with a representative to ask about my letter that I sent on XX/XX/XXXX to request they re-open the case because the determination of the initiation of the disputed funds transfer was not identified in the investigation. The representative verified that my letter was received, and there would be no reply to my letter because the case was closed. I was referred to Barclays Bank customer service if I wanted to pursue any assistance. XX/XX/XXXX : I spoke with a Barclays Bank customer service XXXX, XXXX # XXXX, and she was able ( after escalating the approval of resolving the dispute ) to resolve my dispute through my transfer of {$20000.00}. to my closed Barclays Bank XXXX account XXXX and removing all of the bank charges and fees resulting from the XX/XX/XXXX {$20000.00}. funds transfer to BOA and associated charges placed on my account. I approved the agreement to resolve the dispute with XXXX ; and I provided XXXX with my required personal bank account information for the {$20000.00}. funds transfer. XX/XX/XXXX : The transferred {$20000.00}. from my personal bank to Barclays Bank XXXX account XXXX was completed and posted on my closed XXXX account. XX/XX/XXXX : Barclays Bank did not remove the {$1000.00}. transfer fee, nor have all of the bank charges and fees been removed per my agreement to resolve the dispute with Barclays Bank on XX/XX/XXXX. XX/XX/XXXX : I called Barclays Bank customer service and spoke with a representative XXXX XXXX # XXXX she verified that her records show that the XXXX account balance is 0and that the online account information has not posted the resolved dispute credits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A