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 AAdvantage Aviator XXXX XXXX XXXX Mastercard credit card on XX/XX/2022. At the time of approval there was a welcome offer for XXXX bonus points after spending {$2000.00} within 90 days. The terms state " The bonus miles will be reflected on the billing statement in which you have qualified to earn the bonus. '' I met the {$2000.00} minimum spend requirement on XX/XX/2022. My billing statement closed on XX/XX/2022 and no bonus miles were awarded. I confirmed with Barclays via Secure Message on XX/XX/2022 that I met the minimum spend and I was owed XXXX bonus points. They assured me that I have met the requirements and the bonus points would be reflected " on the billing statement in which you have qualified to earn the bonus '' which was clearly not the case.
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
Date Received: 2022-11-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened an AAdvantage Aviator XXXX XXXX XXXX Mastercard on XX/XX/2022 with the sign up bonus " Earn XXXX AAdvantage bonus miles and a {$95.00} statement credit after spending {$2000.00} on purchases in the first 90 days. '' I completed the {$2000.00} purchases and have received the XXXX bonus miles but the {$95.00} statement credit never posted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80238
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XX/XX/XXXX, I went to the XXXX XXXX store located at XXXX XXXX XXXX, XXXX, WA XXXX. During the visit, I was offered by a sales rep to open a store charge card in consideration for a discount on my purchase. I agreed, provided my driver 's license ( which has my name, XXXX XXXX on it ), and my social security number. I purchased some clothing on my card and left the store. I didn't think much of it after leaving the store, but several weeks later, realized I had never received my new store card. I called the store itself and reported the issue to a manager. I never received a card in the mail. About two months later, I received a statement from an entity, Barclay Bank, that showed over {$500.00} in transactions including restaurants and other businesses. It was clear that these transactions were somehow related to the account that I had opened at the XXXX XXXX, first of all, which I thought was just a store charge card, not a XXXX. Oddly, the name on the account was listed as XXXX XXXX ( a name I formerly used several years ago, but I legally changed my name to XXXX XXXX in XXXX, and had not used that name since. ). The day I received the fraudulent bill, I called the telephone number listed on the statement and reported the fraud, asking that the card be closed and that all of the transactions listed be reported as fraud. I was transferred to 6 different reps during this process and was on the phone for over an hour. I hung up from that call with the understanding that the fraud report was complete. About 30 days later, I received a second statement in the mail. This time, I called again to re-report the fraud, and also sent a letter to report the fraud in writing. Old XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX After this happened, instead of the account being closed, I then received a physical credit card in the mail. Then, I received a late notice and I began receiving emails and phone calls about my account being late. I have Barclay 's upwards of 20 times by now, each time continually reporting the transactions as fraudulent and requesting numerous times that the account be closed and the charges reversed. It has been nearly 9 months now since my complaint of fraudulent charges and account information was submitted. I have received numerous letters and phone calls from Barclays, and the account is now significantly affecting my credit score. The account has also accrued about {$200.00} of additional late fees, so now the bill is over {$700.00}. Each time I call Barclays, I am passed around to multiple people and multiple departments, each department acting like they don't know about my previous reports. This feels like a racket, that they are doing this on purpose to get consumers to give up on this process and just pay the bill, due to the significant time investment and dozens of actions needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98116
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was charged for an in store purchase of {$110.00} on XX/XX/22 at XXXX XXXX for a purchase which I requested but the cashier refused to provide a paper receipt so I declined to complete the purchase and left the store without the merchandise. The vendor still ran the charge, which posed to my Barclay 's Bank Jet Blue card on XX/XX/22. I initially disputed the Charge with Barclay 's Bank. They asked if I had disputed it with the vendor. I had not at the time, so I selected no as a response. They said try to resolve the dispute with the vendor. I tried to resolve the dispute the vendor, but because I did not receive a receipt, I was unable to resolve the dispute with the vendor. I then tried to reopen the dispute with Barclays Bank US, now that I had followed the instructions provided by the bank to try to resolve the dispute with the vendor and was unable to do so. They would not allow me to resubmit the dispute, and the message I received was that the transaction has already been disputed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This is a complaint regarding to Barclays XXXX XXXX credit card ( XXXX XXXX : XXXX ). Due to coronavirus, I can not go shopping by using the card. Barclays sent me a letter saying that Barclays closed this account due to inactivity. It is fine for me. However, Barclays does not want to pay the {$2.00} remaining balance in the cash rewards by giving excuse of needing reaching {$50.00} to be able to redeem rewards. It was Barclays who closed this account, not me. Therefore, I believe that Barclays should give the leftover balance to customers, instead of giving excuse of needing reaching {$50.00} to be able to redeem rewards. I have contacted Barclays customer service number XXXX for multiple times ; however, Barclays does not want to pay the {$2.00} remaining balance in the cash rewards by giving excuse of needing reaching {$50.00} to be able to redeem rewards. The last time was XX/XX/2022 with a supervisor named XXXX XXXX XXXX ID : XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08820
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: In response to an online application for a credit card, I received a letter dated XX/XX/2022 from Barclays stating that my application was denied because of a negative credit history with their company. I sent a letter to Barclays on XX/XX/2022 stating that I had no negative credit history with their company -- in fact with no company -- and asking for further details so that I could understand their records and have the opportunity to resolve the incorrect information. I have not had a response from Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66604
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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 XX/XX/XXXX I was notified regarding possible fraud charges to my account. I contacted Barclays that day via phone and confirmed that there were in fact fraudulent charges on my account. I specifically flagged XXXX charge for {$44.00} that came through looking like a fake XXXX charge. Normal temporary XXXX charges show up as follows XXXX XXXX. This charge showed up as XXXX. I told the representative it was fraud on XX/XX/XXXX and she was negligent in flagging it. Therefore the charge went through to my account and I had to make XXXX additional calls only to be told to contact XXXX. That is not possible for a transaction that does not exist in my account. I provided a screenshot of what the charge looked like on XX/XX/XXXX. I also sent screenshots of my XXXX account - showing no such charge exists. I received a letter on XX/XX/XXXX saying that, after further review, they were not able to assist me in obtaining a credit to my account due to the following we were not provided the true nature of the dispute when first notified of the claim. This is 100 % untrue. I have been very clear from the beginning. I have had a credit card account with them XXXX and their customer service is getting worse and worse as well as their ability to stop fraudulent charges in the first place.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Lost or stolen check
Subissue:
Consumer Complaint: Since Barclays has taken over XXXX XXXX Credit Card accounts, I have been having problems with Barclays applying payments to my credit card account ending number XXXX. As a result, I decided to apply for a consolidation loan regarding two cards that I have. On XX/XX/2022, I applied for a loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) and immediately had problems with the loan XXXX XXXX XXXX XXXX regarding her poor communication and customer service skills. On XX/XX/2022, the loan was approved for {$14000.00}, with {$7500.00} going to my Barclays account. I was not aware that XXXX would send out the payment without notifying me first. Since I was having prior problems with Barclays receiving my payments. I called Barclays customer service to see if they received the payment and they stated that it takes 7 to 10 business days to process. The customer service department at Barclays is apparently located XXXX and the workers have poor communication skills. I called on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, and the customer service reps never documented the conversations nor submitted the information to the right department. They were also disconnecting from the call or placing me on hold and never coming back to the call. I called XXXX to see if the payment was received and cashed by Barclays. The customer service rep confirmed that Barclays received the payment, on XX/XX/2022, at XXXX XXXX. I contacted Barclays again to confirm if they received the payment and again, they showed no record of the payment. I contacted XXXX again via email and received a response from XXXX XXXX, Assistant Vice President of Lending, who provided me with a copy of the cashiers check # XXXX, to send to Barclay 's. After all the back and forth, my account is now late and added fees are accruing. As a result, on XX/XX/2022, I decided to file a complaint with the XXXX XXXX XXXX under complaint # XXXX, and I also emailed my issue to Barclays XXXX XXXX XXXX and XXXX XXXX XXXX hoping that they may help with this problem. On XX/XX/2022, I emailed the XXXX of XXXX. Afterwards, I was contacted by XXXX XXXX to see if she could help solve the issue by calling Barclays with me on the call. During the call with XXXX XXXX, the Barclays rep would not escalate the call. The result was the rep gave us a fax number to send over a copy of the cancelled cashiers check. XXXX XXXX faxed over a copy of the documents to the Barclays rep. After that call, I received another call from a representative from the Office of the President of Barclays in Delaware, named XXXX, who apologized for my inconvenience and asked what happened. After I explained what happened, XXXX stated that this was a quick fix, and she would be handling the issue. She wanted a copy of the cancelled cashier check sent to her via email and provided me with the following email address : XXXX. However, the email she provided was incorrect. The next day, the email address was returned as non-deliverable. Previously, I received an email from Barclays and noticed the following email address : XXXX, so the us after Barclays was missing from the email. On XX/XX/2022, I resent the email several times. I am now receiving emails from Barclays stating that my account is delinquent which is messing up my credit. I need help in finding my payment, taking off late charges and interest fees, and closing this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
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 noticed a charge to my credit card for XXXX ( XXXX ) in XXXX of XXXX. I notified Barclay 's Bank ( credit Card provider ) and they conducted an inquiry which they state I had enrolled in auto renew with XXXX and the claim was denied. I did a deeper dive and found that XXXX had my expired credit card on file in my profile, this credit card expired in XX/XX/XXXX, additionally I have auto pay turned off on my account. I have been charged for the past three as well since the card on account had expired. XXXX advised that they received the updated credit card which included a new account number, activation and XXXX code from Barclays bank as the credit card on file with them had expired in XXXX. I spoke with Barclays and the confirmed that they would update a merchant request for auto payments needed when a card has expired or changed. I asked Barclay 's if they confirmed that auto pay was on or off and they stated that they do not require this information for updating a card. ( I have uploaded the screen shots of the XXXX account and they do not have personal Identifiable information on them ) Barclays Billing Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A