Date Received: 2022-11-17
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: The credit card company Barclays increased my interest rate from XX/XX/2022 from 14.24 % to XX/XX/2022 to 16.99 %. XXXX XXXX XXXX XXXXXXXX credit card increases from XX/XX/2022 14.99 % to XX/XX/2022 to 17.24 % XXXX XXXX credit card increased from XX/XX/2022 16.74 % to XX/XX/2022 XXXX %. XXXX XXXX XXXX XXXX credit card increased from XX/XX/2022 17.49 % to XX/XX/2022 to 18.00 % What law allows credit card companies the right to increase existing customers interest rate and without notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclays. XXXX XXXX card. XXXX Refer to Original complaint # XXXX This is my third complaint. XXXX office of the president Initial complaint couldnt make payments, couldnt get customer service on phone to fix, couldnt get them to give me an updated bill. XXXX assured me that it would all be taken care of. All finance changes waived, late charges, credit score fixed. I sent in my final payment after charges were reversed and because it took months to resolve MORE late charges have accrued. I called XXXX at Barclays 3 times because I was concerned this would happen and received no phone call back. I knew the delay would cause this issue. I do not owe Barclays any additional money and I called 3 times to fix this with no response. I sent in the final payment that XXXX requested and I received a new bill today with additional charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53045
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Thank you all for taking my complaint! From day 1 I have had nothing but problems from Barclays Bank, and their AAdvantage Aviator XXXX XXXX XXXX XXXX. Mind you they solicited me during my first class flight on XX/XX/2022. I was approved for {$3500.00}, and I was offered : 0 % intro annual percentage for 15 months on balance transfers made within 45 days of account opening. {$0.00} introductory annual fee the first year, after that {$99.00} When I tried to request a balance transfer after approval, they tried to drag it out past the 45 days so they did not have to honor the promotion. I had to contact them constantly regarding the balance transfer offer. I had to escalate to a manager. I finally received the balance transfer. Now they have started charging me erroneous insufficient funds fees. When I schedule a payment, they try to draft the funds before the scheduled date, then they retry on the scheduled date. I have funds in the account, however my Credit Union s not going to release the funds until the scheduled date. Tw billing cycles have passed, and they have charged me two insufficient fund fees. In my opinion they are doing this to recoup the {$99.00} annual card fee, which was waived under this alleged promotion. In my opinion they are charging me these erroneous fees, because they can not collect interest from due to this alleged promotion. Ever since I rang the alarm on the erroneous insufficient fund fees, they refuse to speak to me. When I chat they tell me to call in. When I call in they leave me holding for an alleged supervisor ; Or Manager. I am paying my bill, I am paying my bill before the due date. In my opinion Barclay Bank, and AAdvantage AviatoXXXX XXXX XXXX XXXX XXXX are committing fraud on my account! In my opinion Barclay Bank, and AAdvantage Aviator XXXX XXXX XXXX XXXX are stealing money from me! Please help me stop Barclay Bank, and AAdvantage Aviator XXXX XXXX XXXX XXXX are committing fraud on my account from the illegal activities they are committing against my account. They are ruining my credit with these erroneous insufficient fund fees. Please help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
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: Supplemental information regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 Barclays has not responded to this complaint but further continues to complicate the disputed charges as reflected on the attached communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Jetblue with Barclays has a promotion going on offering XXXX trueblue airline points with Jetblue. The offer is on Jetblues website as well as Barclays.. everywhere says XXXX points for getting the jetblue plus card, and paying the {$99.00} annual fee and spending {$1000.00} within the first XXXX days. I applied on XXXX XX/XX/2022 through the link at jetblue which states XXXX points, and within the month I spent over the {$1000.00} limit and paid the fee. I only received XXXX points by the end of the billing cycle. I called barclays, which is answered by an automatic machine which says anything related to trublue points, to contact jetblue. I clntacted jetblue today XXXX XX/XX/2022 through chat and they stated i need to contact barclays as they would know what promotion offer i applied for. I dont know why would there be another promotion offer as All i saw in both websites jetblue and barclays were the XXXX points. If they had me under another promotion, then means they are luring customers in by advertising in a way and then applying different offers that were not clearly advertised, creating confusion and scaming people. I searched for information online and seems other people have fallen victims of this as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am not live in XXXX since XX/XX/2020, and l received an email from Barclays Bank told the XXXX XXXX XXXX XXXX payments is due, but l never received the new Credit Card ending XXXX, someone stole my Card and use it! I can't log in my account to see any my information, the username and password being changed by the thief, there have no any others way to reach the Bank, only by phone call which cost lots of my money international call. I did call to the bank, tell them what happened, they should protect my right and make things right, that's their fault to let others people using my card without any securely protection ; customer representative ask me fax my XXXX kind ID to office fax number XXXX, they will put my case in the investigation I fax those ID at XXXX, And fax again at XXXX. but l still keep reciving many email asking me to pay the payment. Please help me get out this bad issue and get my Credit score back. Sincerely with my respect XXXX XXXX XXXX XXXX Ps : *The billing address was old ( XXXX XXXX # XXXX XXXX XXXX Ca XXXX XXXX ) l can't log in to my online account to put my new billing address ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) * * If need any more information from me, please let me XXXX
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: 2022-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been having difficulty with receiving my card in the mail. I am unsure if it is being stolen in transit, or if there is internal Fraud at Barclay 's, and would appreciate an investigation. While attempting to replace my card recently ( after multiple lost cards in the mail ), my card was stolen and used for most of its maximum limit ( {$2000.00} ). While reporting this to Barclay 's I learned about all of the other attempts ( on top of the successful charges to my account ). Barclay 's has since attempted to charge XXXX of the transactions again to my account. XXXX from XXXX and another from XXXX. I have never done business with either. Their explanation is that the perpetrator utilized my mailing address. As the card was presumably stolen from the mail, it is not surprising the perpetrator would have this information. I would like to find out if there is a better way to receive my credit cards and statements, as this is not the first this has happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon checking my credit report, I noticed XXXX hard inquiries and XXXX late payment that are not accurate. I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. The inquiries :XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am responding to a letter from Barclays dated XX/XX/2022 that I just received. They have declined my dispute of a fraudulent balance transfer made on XX/XX/2022 with my AAdvantage Aviator XXXX XXXX XXXX XXXX to my XXXX Checking Account. I reported the fraud the minute I learned of it XX/XX/2022 and disputed the balance transfer. Barclays closed the credit card and issued a new one. The reason they give for closing their investigation is because the name is the same on both accounts ( credit card and checking account ). They consider the balance transfer valid even though it is a clear case of identity theft, which I reported to the FTC, as well as XXXX XXXX, XXXX, FBI, NY Attorney General and Secret Service. However, XXXX has already determined the balance transfer was used to make fraudulent XXXX and XXXX charges, which they have reimbursed me. I want Barclays to not use circular reasoning and instead recognize the fraudulent activity and financially make me whole.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was approved for the Barclays Wyndham Rewards XXXX XXXX credit card on XX/XX/2022. At the time of approval there was a welcome offer for XXXX bonus points after spending {$2000.00} in the first 90 days. I met the minimum spend requirement on XX/XX/2022. I confirmed with Barclays via Secure Message that I met the minimum spend requirement on XX/XX/2022. They stated that " the bonus will be reflected on the billing statement after you have qualified to earn the bonus. '' My statement closed on XX/XX/2022 and my bonus points were not there. I followed up again with Barclays via Secure Message on XX/XX/2022 and they said " the XXXX bonus points will be earned 6-8 weeks after XX/XX/2022. '' I called Barclays customer service on XX/XX/2022 and spoke with a supervisor and they said they have done everything they can on their end and now it is Wyndham 's responsibility to add the points. I called Wyndham Rewards today and they are saying it is Barclays responsibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A