Date Received: 2022-11-22
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I Applied for a Barclays JET BLUEcredit card almost three months ago ... ..I didn't get a response stating what was going on so i called... they told me XXXXthey had to identify me... so they told me to fax over my Bill, Drivers license XXXX and the SSN ... .which i did ... ..a month later... .no response ... XXXXso oh course i called again ... and was told they received everything but they couldnt read the SS numbers ... ..which is weird because the copy is as clear as day... so i told them i will send it thru the mail ... .that was a month ago ... ... ... still no response... .I have submitted my documentation twice now ... and included my SS card which i feel is dangerous with all the indentity theft going on... and still no response... .its been three months at this points ... .I JUST WANT ANSWERS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90004
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX Bank account created at Barclays Bank Delaware ( XXXX ) XXXX Initial funding complete ( money transferred from Bank A to Barclays Bank Delaware ) XX/XX/XXXX Received e-mail that my account had been suspended. XX/XX/XXXX Called Barclays, XXXX. They requested drivers license, social security card, and utility bill. The requested identification was provided via e-mail within XXXX minutes. No specific reason was given for the suspension. o I had tried to set up external accounts for Bank A and Bank B between XXXX and XX/XX/XXXX I do not know exactly when. No amount of money was requested to be transferred I was just trying to have the accounts set up so that I would later be able to transfer money when needed. XX/XX/XXXX Called Barclays, XXXX since I had not heard anything. They said I should send the latest account statement for Bank A and Bank B accounts, both of which I had tried to set up through external transfer. They told me to wait until Friday XX/XX/XXXX for resolution. o Note that Bank XXXX is the XXXX originally used to fund the Barclays account. Bank XXXX is a different bank. XX/XX/XXXX My account username is no longer valid. It had been saying the account was suspended on previous login attempts, but now the online account is completely gone. XX/XX/XXXX Received e-mail stating We have confirmed your external bank account, and it has now been successfully linked to your Barclays account ( XXXX ). XXXX minute later, I received another e-mail saying that my account was suspended. XX/XX/XXXX Called Barclays, XXXX. Spoke to XXXX. They need a more recent statement but there are none since Bank XXXX only provides quarterly statements, and the account in question is a new account, created on XXXX. Bank XXXX last statement for my combined accounts there was end of XXXX, so the next statement wont be until the end of XXXX. XX/XX/XXXX Called Barclays, XXXX. Spoke to XXXX. She requested I send an Account XXXX XXXX including account number and first/last name as owner of account because the account at Bank XXXX was too new to have a full statement. XX/XX/XXXX Called Bank B, XXXX. Spoke to XXXX. Bank XXXX can not create an Account XXXX XXXX because it's a newly generated account. It could take 60 days. Barclays indicated that I had 30 days from the beginning of this investigation to provide all necessary information. XX/XX/XXXX Sent screen shot of account information page from Bank XXXX to Barclays, which includes account number, name, and balance more than what was requested by Barclays. No response received. At this point, there is no way for me to provide any additional information, and Barclays will not unlock my account. I will fail to meet their 30 day deadline, and I am concerned that they will take the initial deposit. The account should never have been locked. An appropriate action would have been to block external transfers until the necessary identification information could be obtained. Note : I am not attaching any attachments below to document what I sent Barclays as all attachments would contain personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: I requested a balance transfer over the phone to Wyndham Credit Card Barclay in the amount of {$10000.00} on XX/XX/22 to my uncles business account at XXXX XXXX XXXX. They state that the amount was processed and the money was sent, but this is not the case. I was told the transfer would go through in 5-10 business days. That never happened. I was told on XX/XX/22 that the amount was sent to a different account ( my XXXX personal checking ) - and that was not accurate to my XX/XX/22 request. So the representative submitted an escalation of the issue. According to representatives since then- the original balance transfer request was correct to my uncles account. I have called repeatedly and I get a different answer every time. The most consistent answer is that I have to keep waiting for resolution. As of today, no money has been transferred to either of the 2 accounts, but I have a charge on my credit card for {$10000.00} plus {$300.00} fee. The first payment will be due on XX/XX/22 and no one can tell me why Im being charged if no money has been exchanged. They insist the money was transferred, however this is not correct. XXXX XXXX XXXXXXXX was contacted and they do not have any evidence of a transfer. XXXX will not allow me to speak with anyone above an account manager and can not answer my questions. I was told to wait 7-10 days for a letter. After that time passed, they changed the number of days to 30 days. This is a trend, every time I would call I would get different answers as to when the transfer would happen. I need help, today is XX/XX/22. I am being charged for funds that were not transferred. At this point I do not want to do business with this bank. I would like all of this reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90242
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclays Bank Delaware is incorrectly reporting information on my credit reports. I have attempted multiple times over the past four years to correct this information with no luck. I will list below the negative information that is being reported on my credit reports with images from the credit bureaus to show what I am describing. Barclays is reporting an available credit limit on a closed account which hurts my credit score. They are also reporting new negative monthly payment information on an account that has been closed for four years. On the XXXX report, Barclays account is reported as being charged off on XX/XX/XXXX. However, they reported a 120 day late payment for the following four months after the account was already closed. They are continuing to report new negative monthly payment information on this account. Barclays is also reporting on XXXX a credit limit of {$10000.00} from XX/XX/XXXX to XX/XX/XXXX when the account was closed in XXXX. On XXXX Barclays reports being closed on XX/XX/XXXX which differs from what they report on XXXX. However the payment history reports the following four months after the account was closed as 120 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I used my Barclays Mastercard to pay the XXXX XXXX {$4000.00}. On XX/XX/2022, we authorized XXXX XXXX and XXXX to pay Barclays Bank Delaware {$4000.00}, not knowing that our account had been traded to XXXX XXXX Bank. I contacted both banks in XXXX when I got a statement from XXXX showing a balance due. Barclays told me any money rec 'd would be transferred to XXXX. In XXXX, I contacted XXXX after getting another statement. They told me that my problem is with Barclays. I contacted Barclays and was told to fax or mail copies of proof of payment wire transmissions. I did both. In XXXX I emailed the same documents to Barclays after receiving another statement. After receiving my XXXX statement I contacted XXXX. They told me I should pay, " for my own good '', rather than " fight the good fight ''. Also in XXXX I was finally able to open a dispute case with Barclays. This had to be done by a supervisor since I technically no longer had an account with them. Later in XXXX, I contacted XXXX and gave them the Barclays dispute number. I also sent both banks a trace number for the wire transfer that I got from my local bank. I was told that this number carried more weight than the proof of payment I sent them in XXXX. It is my understanding that Barclays has my money. I have asked them to either pay me or pay XXXX. I got another statement from XXXX, which is now charging me interest. I filed a complaint against Barclays with the XXXX XXXX XXXX which got me a phone call from " The Office of the President '' of Barclays. I re-sent them all of my documents but after their review they stated that they can't help me since the account had been traded and that I needed to contact XXXX. I asked for proof that they paid XXXX on my behalf, since I proved that I paid them but they can't help me since the account has been traded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: BarclaysUSCard XXXX XXXX This card was used to put a substantial payment to XXXX XXXX XXXX if XXXX on XX/XX/XXXX. I have XXXX XXXX XXXX XXXX XXXX and this was a possibility to try to repair XXXX parts of my XXXX. Besides the fact that it didnt work, the treatment triggered my XXXX XXXX which Ive XXXX with since XXXX. It is XXXX XXXX and because its so rare, the XXXX XXXX XXXX XXXX puts me in the incorrect best practice guidelines, codes it wrong in the XXXX, and then proceeds to make it worse. I was XXXX from XXXX XXXX XX/XX/XXXX with massive XXXX mistakes. My payments were falling behind because of my severe XXXX XXXX By XXXX I was trying to get back at work for the paycheck, called the credit card company for help and assustance. On the due date XX/XX/XXXX, I called and spoke to a representative XXXX ID # XXXX. I told her I did NOT want to close the account but needed help figuring out how to take care of this. She obviously did NOT know her job as she had to get off the line over and over and over. XXXX steered me in the direction she said would NOT close the account, TOOK a payment, and I thought we were on the way to a better place. Instead. The account was closed and I didnt even know and the scheduled payment was taken and the next XXXX paid also. When I logged in to the account in XXXX is when I learned it was closed. I went back into XXXX in XXXX on XXXX XXXX XXXX, XXXX for my XXXX XXXX trying to connect with XXXX XXXX of times. I have called XXXX of times asking for the call to be pulled, asking for email communication ( I am a XXXX XXXX XXXX, I am in XXXX, we can not take calls, and they wont call my XXXX number ). Here is the list of calls, dates, names, ID # XXXX XXXX, XXXX XXXX # XXXX Payment Confirmation # : XXXX XXXX XXXX found out account was closed. XX/XX/XXXX XXXX # XXXX XX/XX/XXXX asked for XXXX XXXX XXXX # would NOT give it said she was a supervisor XX/XX/XXXX XXXX # XXXX asked for XXXX. This one hung up on me. XXXX XXXX XXXX ( cant find dates ) XXXX # XXXX XXXX # XXXX not give it XXXX # XXXX me that NONE of the communication had any mention of XXXX, her ID, dates, or request to pull the call. XXXX XXXX XXXX # XXXX put me back in the XXXX wouldnt answer questions then : XXXX # XXXX inappropriate conversation with me then : XXXX # would not give. This one refused yo give ID, provide escalation, file a complaint. Refused to help entirely. XXXX XXXX XXXX, XXXX. In XXXX XXXX for XXXX XXXX, then discharged so I try to save my career and job, then XX/XX/XXXX XXXX # XXXX Hung up on me. I need help. The XXXX XXXX XXXX more than likely will need to refund that huge charge. That is NOT going to happen with this account closed. It was closed against my clear, distinct choice and effort. I need this account reopened and this company to admit the error of one of their representatives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for a credit card with Barclay approximately XXXX years ago. My bill has always been paid on time. However, I never received an increase in my account. Once the corporate office was contacted, I received an increase. My mother passed from XXXX. In XXXX, 2022, I had to take care of her final bills. Therefore, I utilized my credit cards more than usual. Because of this, my credit score dropped. However, I wasn't concerned because I knew that it would only be temporary. Barclay immediately cut my credit limit without notifying me prior to doing it. When called they stated that I would be receiving a letter in the mail. They did not contact me to see if it there was a reason, they just did it. XXXX XXXX score has returned to almost normal at this time. I called Barclay on Friday, XX/XX/2022, and spoke to XXXX ( ID # XXXX ) concerning this matter as well as my interest rate increase. She confirmed that my interest did increase & I was not notified. This is an issue because they are supposed to notify their customers. Also, she stated that I would have to apply for an increase. This is an issue because I should not need to do so. She stated that it is a system automatic and I know that this is not the case. Barclay penalized me when I was dealing with my mother 's death. I do not appreciate this. Barclay did not wait to see if my score would remain low, they automatically decreased my limit. No one should be treated in this manner. - XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
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: This complaint is regarding Barclay 's XXXX XXXX. Barclays allowed my credit card to be charged by a local company XXXX XXXX XXXX XXXX ) with no authorization, no invoice and no signature despite the fact that the company is a local company and they had been at the premises several times. The vendor charged my credit card for work NOT DONE. We neither signed a work authorization, estimate, nor did we sign a charge slip despite the fact that the company is a local establishment and they could have easily obtained a signature because they had visited our premises several times. We would not and did not sign any documents. Instead they forged my signature on these documents at their offices. When the company charged our credit card, we filed a dispute with Barclays and provided them with copious amount of information on this unauthorized charge, and finally received a letter from them ( copy attached ) stating AFTER THOROUGH REVIEW, they had found in my favor, and credited the charges on my Barclay card. Several weeks later, we received a letter reversing their decision ( despite their thorough review ), and they re-charged my Barclays card with the charges that they had previously found in my favor. The reason for this is because their employee XXXX XXXX lied about having my signature on the estimate. The truth is that we never signed any document with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/XXXX Barclay 's Bank Delaware secured a judgment against my brother in Alabama, for unpaid unsecured credit card debt ( {$2600.00}, last reported to us as *now* {$2700.00} ). On XX/XX/XXXX, my brother died. From about XX/XX/XXXX, my family has tried to rectify this matter as it now seems to impact properties our XXXX XXXX owns in full and independent of our deceased brother. Calls were made to Barclays and/or everyone to whom they directed us in XX/XX/XXXX, several times in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These include calls to Barclays ( I assume collections agents ) XXXX XXXX ; XXXX, XXXX ID # XXXX, and others. Faxes were sent in XXXX several times in XXXX to provide ( identical ) information Barclays agents requested, and on XX/XX/XXXX, XX/XX/XXXX, and at least XXXX other unrecorded dates. Documents were also mailed. We were informed on a phone call that the account had been closed and cleared. We also received a letter from Barclays stating that the account had been closed after my brothers death. The title company states that a judgment against our brother 's estate remains. We have explained *in detail* the issues related to our mother 's properties, our understanding of the statute of limitations on Barclays ' effort to collect on this debt, and that our brother is dead. Barclays has resisted any corrective or productive communication, either in writing or on ( witnessed ) phone calls. Barclays has requested that the same document ( XXXX ) be submitted again and again, and then still taken no action. Barclays has sent no information and provided no guidance about how to get the judgment removed from XXXX XXXX XXXX solely ownedproperties. They have sent us in circles, from one department to another round and round and round. Our contention is : 1 ) Barclays has no right to retrieve the debt based on the statute of limitations for collection. 2 ) Barclays has been intentionally uncooperative and unwilling to relieve even our XXXX from an issue that is entirely unrelated to her. 3 ) Barclays has been intentionally and willfully uncooperative in relieving our deceased brother 's property from the property lien.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2022 I spoke to XXXX from, Barclays. There was no issue with a credit for {$17.00} because I requested a refund for some merchandise. However, there was an issue with a {$280.00} charge dated XX/XX/2022. It was strange because, not only it was incorrect, but also I had already had a statement that did not show any balance from that period. XXXX and I discussed the matter and we both thought that I could have been that, because I issued the payment for the whole balance just before the XXXX XXXX credit card was transferred form XXXX XXXX to Barclays. Apparently, the fact that an autopayment was in place, in addition to my manual payment, provoked that even when the payment was received ( I corroborated ), Barclays had an error in the system. He explained that it showed at the time as a " payment adjustment '' that would turn out to be a credit but somehow it shows as something different temporarily. Those are my notes, and my understanding. He could see in the system that a payment was made online for {$280.00}, the next month the statement behaves as if the charge did not exist, and then in XX/XX/2022, XXXX saw " adjustment payment ''. The reference number for the payment, per my notes on my conversation with XXXX is XXXX. He opened and investigation for the matter. The case ID was, per XXXX : XXXX. Dated XX/XX/2022, I received a letter from Barclays for said case ID : " We're happy to let you know your payment inquiry has been resolved. You will see and adjustment on your next billing statement. We appreciate your patience, and we apologize for any inconvenience this may have caused ... '' ( Attachment named " Barclays '' ) As of today, the issue has not been solved. I have had countless collection and related calls at different inconvenient times. Usually the first XXXX minutes they make me talk to people who not understand the situation and do not have the clearance to deal with the matter. Then, sometimes, eventually, after explaining everything time and again and again, they put someone on the phone who understands and they say I do not owe anything, that there is an adjustment pending. That was the case of the XX/XX/2022 phone call. XXXX said that although the system showed a balance of {$330.00} plus interests and fees, there was no payment to be made, and that the correction in the system would be reflected in XXXX business days. Almost XXXX months later, that has not been the case. Other examples ( I am not even sure I had a pen and paper to write down every time Barclays has harassed me with a collection process against their own Customer Servies or Account Management representations ) include : XX/XX/2022 : Terribly long phone call generated by Barclays. I was working, with a client and colleagues at the Court. I felt the best call was to take the phone call because of my concerns with my credit report. At the same time, I was ashamed because people could hear that I was having issues regarding my finances and the management of a credit card. Still I am ashamed. XX/XX/2022 : Multiple harassing phone calls from Barclays, including a long one. Among the many times I explained my situation, I received the attention of a lady named XXXX, who generated another complaint. I received more calls that same day which I could not pick up because I was taking care of my XXXX XXXX XXXX. XXXX said I would hear from them in XXXX business hours. XX/XX/2022 : This day was a bit different. I received various calls with bad audio or signal. Later, at XXXX EST, I received a call from XXXX from XXXX XXXX She apologized and allegedly gave me {$100.00} in credit for the inconvenience. Emails, emails and more emails in which Barclays treats me as a debtor with payments due. I still receive them. Please see " Barclays XXXX emails attachment '' with a screenshot of the list of collection emails received from them. I get so stressed with them and it is terrible knowing that the only measure in my power is to generate a long, frustrating phone call. So frustrating, I have even cried.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A