Date Received: 2022-11-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a JetBlue Plus Card in XX/XX/XXXX. My JetBlue Card is managed through Barclaycard ( Barclays Bank Delaware, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, Member FDIC ). When I opened the credit card account, I added my XXXX XXXX XXXX ( Routing Number : XXXX ) bank account as a payment method. I have a Checking Account and a Savings Account with XXXX XXXX XXXX, both of which are associated with the same bank account number. When setting up a bank account through the Barclaycard online system, users are ostensibly given the option to select an account type as either " Savings '' or " Checking '' ( see " Barclaycard Bank Account Editing Page.pdf '' ). Nowhere on the account creation or editing pages ( or anywhere else on Barclaycard online system ) is there an explanation of the purpose of this dropdown menu. I assumed, as I suspect many other consumers would also assume, that this dropdown would allow me to select the bank account ( i.e., " Savings '' v. " Checking '' ) associated with the bank account number I provided that I wanted to use for payments. This seemed like a logical assumption given that many consumer bank accounts have checking and savings accounts that share the same bank account number. I did not consider at the time that this dropdown would serve no functional purpose and that Barclaycard would automatically withdraw payments from an account that I had not specified. For the above reasons, I have often transferred money from my XXXX XXXX XXXX checking account to my savings account to ensure I would have sufficient funds to cover the payments made to JetBlue Card. However, Barclaycard has withdrawn from my checking account instead, regardless of the designation I provided in their online system. On two occasions, the transfers that I made to my savings account left my checking account with insufficient funds to cover a payment, as detailed in the file titled " XXXX Account XXXX.XXXX XXXX On XX/XX/XXXX, I transferred {$2000.00} from my XXXX XXXX XXXX checking account to my XXXX XXXX XXXX savings account to cover a {$2000.00} payment to my JetBlue Card. Even though I had designated the payment to be withdrawn from my savings account, Barclaycard withdrew the funds from my checking account on XX/XX/XXXX, forcing my bank to automatically transfer {$1900.00} from my savings account ( on XX/XX/XXXX ) back to my checking account to cover the withdrawal. I was charged a {$5.00} withdrawal fee on XX/XX/XXXX, because of the automatic transfer. On XX/XX/XXXX, I transferred {$2000.00} from my XXXX XXXX XXXX checking account to my XXXX XXXX XXXX savings account to cover a {$1900.00} payment to my JetBlue Card. Again, even though I had designated the payment to be withdrawn from my savings account, Barclaycard withdrew the funds from my checking account on XX/XX/XXXX, forcing my bank to automatically transfer {$1100.00} from my savings account ( on XX/XX/XXXX ) back to my checking account to cover the withdrawal. For a second time, I was charged a {$5.00} withdrawal fee on XX/XX/XXXX, because of the automatic transfer. I contacted Barclaycard about the fees that were charged by my bank ( see " JetBlue Card XXXX XXXX XXXX' ), which appeared to have been incurred because of an error in Barclaycard 's online system. I explained the situation 6 times, before finally receiving an answer that addressed my core question. On XX/XX/XXXX, Barclaycard customer service informed me of the following : " The system does not have a way to differentiate between multiple accounts under one account number. The account type is not requested for the purpose of drafting from two different accounts under one account number, but for reference. When a payment is submitted, we submit the request to your bank and funds are paid. Please contact your bank regarding this matter, we are sorry for any inconvenience this has caused. '' It is my opinion that Barclaycard 's customer service on this matter has been completely inadequate and has not addressed my core concern. There remains no explanation on their website to make it clear that their online system can not differentiate between multiple accounts under one account number, which is common for customers with private bank accounts. It is my opinion that Barclaycard is responsible for these errors and should provide financial restitution to compensate me for the {$10.00} in fees that were incurred because of their misleading online form for entering bank information. Additionally, I suspect that this issue has also caused other JetBlue Card holders to be incurred unnecessary fees at no fault of their own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
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/2022, I received a text message from AAdvantage Aviator World Mastercard ( Barclays ) automated fraud alert system that a potentially fraudulent charge of {$470.00} was being made on my card ending XXXX by XXXX. I responded to the alert in agreement that the charge was not valid and indeed fraudulent. Despite my verification of fraud, XXXX allowed the charge to go through. After I called XXXX, the charge was removed from my account, my card was replaced, and an investigation was allegedly conducted by XXXX. A couple weeks later, I received a letter from AAdvantage Aviator World Mastercard stating that the investigation was completed, and the conclusion was that the charge was valid and I was being re-charged the full amount. The reason, XXXX said, was that XXXX verified that a package from a " XXXX XXXX '' was sent to my address related to the charge and therefore the charge was valid! The fact is I did receive a package from a " XXXX XXXX, '' a strange manilla envelope filled with random magazine pages addressed to me and sent via USPS signature tracking. it was received by the XXXX store where I have a XXXX XXXX XXXX XXXX verified my real account and that I have never ordered anything from a " XXXX XXXX '' and I have never added credit card ending in XXXX to my POSHMARK account. Someone, probably " XXXX XXXX, '' created a fraudulent account in my name and shipped me an envelope full of garbage. In my last correspondence, XXXX responded Thank you for your email. We apologize for this alarming experience. At this time we have restricted and removed all the information from this account. Please reach out to your bank for more information regarding this compromised payment method. My real account with XXXX, by the way, is still open and active. I sent this information, by letter, to AAdvantage Aviator World Mastercard ( Barclays ), as XXXX advised, and XXXX stated that XXXX has still not reached out to XXXX to confirm that the charge was fraudulent. The charge is still on my credit card and will remain there until XXXX confirms the fraud. Neither XXXX nor XXXX will take responsibility for allowing this fraud to happen and I am stuck between the two, each telling me to talk to the other.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95003
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: EVERY time I make a payment to this company I do not receive credit for at least a week. I want to know why this is the case. I also want the company 's answer to be posted HERE. I do not want to have to go a website of THEIR choosing. I have continuous problems with this wretched company. And I want the problems to STOP. I fulfill ALL the requirements and I EXPECT them to as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This complaint is reference to Barclays Bank credit card services. I have no specific dates because there have been so many times I have called to try and fix this. I have been dealing with this for over a XXXX now. The amount fluctuates every month. Right now its XXXX. It started when I first received my credit card. Before I even used the card fraudulent charges started occurring right away. They would take the charges off but then it would happen again and again. So I made the decision to close my account. So assuming if I closed it no more charges would occur but they did. The fraud charges kept happening even with account closed. Then I started getting billing statements for the fraud charges. I call and they keep saying that its fixed yet I keep getting statements and it is also showing up on my credit report. I have trying to fix for XXXX and each time they say its fixed but clearly its not! I did try to dispute through all XXXX credit bureaus and they said its accurate but clearly that is not right! I did receive a letter from Barclays XX/XX/2022 stating they completed investigation and agreed to change and that it will be removed but they have not! This is my last resort and dont know what else I can do. This is affecting my XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I attempted to engage in a consumer credit transaction by applying for an open ended credit account with Barclays Bank Delaware on XX/XX/2022. I have since received a letter stating that they are unable to approve me for a XXXX XXXX credit card. Have I been XXXX XXXX As a consumer, I have read Title 15 USC 1691. I believe the law has been violated in this case. I did not authorize the sale of any of my private information and I wonder if any of it has been sold by Barclays Bank Delaware. Is there a law prohibiting the unauthorized sale of my information? The application was filled out online, but I also wonder if a form XXXX was filled out in connection with this transaction. Also, I believe mail fraud XXXX have been committed in the delivery of this communication from Barclays Bank Delaware as there is no cancellation of a stamp on the envelope that contained this letter. I have uploaded a copy of the letter and the envelope with this submission. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
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: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern ; My name is XXXX XXXX and this dispute the above referenced case # XXXX XXXX. On XX/XX/2022 I ordered the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX if you go into their system or call them they can advise that this merchandise WAS NEVER BROUGHT TO XXXX XXXX XXXX XXXX ; XXXX XXXX, Il XXXX. I am requesting this {$3000.00} charge be refunded to my BARCLAYS credit card as I NEVER RECEIVED THIS PRODUCT NOR DID I SEND ANYTHING BACK TO THE SELLER FROM MY HOUSE AS IT NEVER ARRIVED. I am very disturbed as to how a product that I never received can be charged to my account. I have sent several packages to the credit card company to try and rectify this matter and they have closed the dispute twice. I don't know what XXXX XXXX & XXXX advised Barclays, but I did not receive this product and the XXXX invoice does not disclose or indicate the bed was dropped off at my house AT ALL. Nor did I send it back to them nor did I break it and send it back. I am requesting this charge be removed from my credit card statement as I do not have this product nor did I ever receive it. Please remove this charge as I did not receive it nor do I have this bed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60160
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: BARCLAYS BANK called me for for a month and a week straight about a debt that I do not owe. I reported identity theft with the company as well as all the credit report agencies and have had this debt taken off my consumer credit report. I now demand that BARCLAYS BANK XXXX ( XXXX ) my account and stops collection attempts. I have tried to contact the company asking them to validate the debt and show that the debt does not belong to me. I even sent in a Cease and Desist notice to stop collection attempts. They have called me everyday XXXX times a day ( once in the morning and once in the evening ) from XX/XX/2022 to today XX/XX/2022, even on weekends. My phone rang ever day, twice a day for more than a month straight. This caused me emotional distress and embarrassment as this is my work phone and they called during working hours repetitively. This is abusive and unfair practices by debt collectors and its violating 15 U.S. Code 1692d ( 5 ). Furthermore BARCLAYS BANK is also in violation of 15 USC 1692c ( c ). as they have contacted me for 45+ days after I send them a formal Cease and Desist notice. I demand BARCLAYS BANK to XXXX this account and cease collection attempts as this debt is not validated. I also demand BARCLAYS BANK pays me for the laws they have broken pursuant to 15 U.S. Code 1692k, ; Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} in damages - per violation. I have attached all the evidence of my Cease and Desist notice, Identity Theft Report and communications with BARCLAYS BANK as well as call screenshots of all the calls from XX/XX/2022 to XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I OPENED A SAVINGS ACCOUNT WITH BARCLAYS XXXX XXXX ON XXXX XXXX AND FUNDED THE ACCOUNT WITH MOBILE CHECK DEPOSIT OF {$4600.00}. THE CHECK WAS PLACED UNDER REVIEW AND LATER APPROVED FOR PROCESSING. FEW WEEKS AFTER THE CHECK WAS CLEARED, I TRIED TO MAKE A WITHDRAWAL BUT THE FUNDS WAS FROZEN. CALLED CUSTOMER SERVICES AND SUBMITTED ALL REQUESTED DOCUMENT BUT FUNDS STILL COULDN'T WITHDRAW. CALLED BACK BUT CUSTOMER SERVICE SAID THEY GON NA CLOSE THE ACCOUNT IN 10 BUSINESS DAYS AND TRANSFER THE FUNDS TO THE LINKED ACCOUNT. OVER A MONTH ON IT AND THE BANK IS STILL HOLDING ON TO MY FUNDS WHILE DENYING ME ACCESS TO IT. COMPLAINED TO XXXX BUT NO SOLUTION. THE BANK SAID THE CHECK MAY NOT BE VALID OR FRAUDULENT BUT THEY REVIEWED AND APPROVED IT WHEN DEPOSITED AND THE CHECK CLEARED WITHOUT COMPLAIN FROM THE OTHER BANK. THE BANK IS REFUSING TO CLOSE THE ACCOUNT, REFUSING TO REVERSE THE FUNDS, REFUSING TO MAIL A CHECK, REFUSING TO TRANSFER THE FUNDS TO THE LINKED ACCOUNT. THE FUNDS DOESN'T BELONG TO THE BANK AND THERE IS NO COMPLAINT ABOUT THE FUNDS BUT I CAN'T UNDERSTAND WHY THE BANK IS SO DESPERATE TO EMBEZZLE THE FUNDS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, a payment was initiated of {$800.00} out of my checking account to my JetBlue Barclay credit card. The payment came out of my checking account twice on XX/XX/XXXX causing my checking account to be in the negative. This second {$800.00} withdrawal did not reflect onto my credit card. I contacted my bank which told me they would rectify it by reversing one of the payments. They did so immediately, and the money was placed back into my bank account. By doing so, Barclay credit card then saw this as a dispute on the initial {$800.00} payment, charged me {$27.00} in a reversal fee and put the {$800.00} as a chargeback onto my credit card balance. ( Still out {$800.00} now ). I contacted Barclay immediately on XX/XX/XXXX and they stated they were aware of a lot of customers who were charged double and they were working on reversals. I was refunded the {$27.00} reversal fee and was given a case number ( Case # XXXX ). I was contacted by a Barclay case representative, XXXX on Sunday, XX/XX/XXXX who asked me to please email a screenshot of this double payment out of my bank account and to email it to XXXX which I did so on XX/XX/XXXX. I have sent over 5 emails since with a follow up with no email response. I called back Jetblue Barclay a week later to follow up. They contacted by XXXX who said they were still working on it and to please be patient. During this time, I have been accumulating interest on my {$800.00} charge back in my credit card account. On Saturday, XXXX I contacted Barclay again to follow up on the case. I was told that they would look into it but if the second charge of {$800.00} on XX/XX/XXXX did not reflect on my credit card statement then I should dispute the second charge as well because it will then throw up a red flag on their end or the bank 's end. I called my bank right after ( XXXX ) and started the process. By XX/XX/XXXX, the {$800.00} was reversed and put back into my checking account. I thought this accounting nightmare would be over. Nope. On XX/XX/XXXX a {$27.00} reversal fee and {$800.00} chargeback was placed yet again onto my credit card. I called Barclay XX/XX/XXXX demanding an explanation and a follow up on my case. They stated that it was all taken care of and the case was closed. I now see that they tried covering their tracks that two {$800.00} payments were reversed but they never acknowledged the first payment onto my account, hence me being out {$800.00} still. The representative could not explain how it was taken care of and when I further questioned the outstanding {$800.00}, I was told they have to open a new case and the new case number is XXXX. I am livid. I have been without {$800.00} now back and forth for a month now. I am beside myself and don't understand why there isn't a capable person that can help me on their end. If Barclay looked at their credits and debits in my account, they would see that now they have taken one {$800.00} payment out of my bank account and charged me back {$800.00} TWICE into my credit card account. Any assistance to rectify this would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a JetBlue Mastercard for many years. It was taken over by Barklay 's Bank. They issued a duplicate card to an impersonator in a different city, which was rectified by closing that card and issuing a new one. This fraud called them again, and again, against the assurances I received, they sent him another card on my account. We went through the same procedure and then they sent this hacker another new card with my new information. At this time I closed the account. Unbeknownst to me, they added a charge for the interest incurred by the hacker, which they assured me would not happen. I received no notice of this until they sent me notice on XXXX that my account was delinquent by the XXXX cents and a XXXX dollar late charge. I spoke to them on XXXX and they assured me it would be taken care of. Today, XXXX they reported the " debt '' to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11050
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A