Date Received: 2022-11-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, this past Friday, Barclay Card reduced my credit line from {$10000.00} all the way down to {$1100.00}. This despite the fact that I have never had a late payment in over XXXX years and usually use less than 10 % of my credit limit. They said the reason was due to issues with other credit cards and loans, but I explained to them that I had over {$26000.00} stolen out of my bank account nearly XXXX years ago without my knowledge and through no fault of my own and I needed to enter into a debt settlement program for XXXX loans that were taken out in my name, although they were actually for my mother, who was reimbursing me for the payments made. One has already been settled, and the other is in in the process as I am making an initial lump sum payment of nearly half of what they are asking for tomorrow, but I still need to get the paperwok and documents to sign to make it official. This should be paid in XXXX months. There are also a couple of credit cards that are delinquent and way over their limit, that are in my name, but I made none of the charges. They were also done by my mother, who I made an authorized user, and all charges made on these cards were supposed to be paid by a third party, which they were, but they were all returned, becuase the payments were never authorized, despite us telling them to make sure they were. It was understood that I was not going to be making any payments on these cards, and they were only taken out in my name because I had good credit at the time. The same reason for the aforementioned loans being taken out in my name. I've had an XXXX plus credit score in the past, but it dropped in excess of XXXX points in the months following these things happening, none of which are my fault. I am working very hard to repair my credit, and it has made somewhat of a comeback, although I still have a long way to go. I have another card with Barclays that also had a {$10000.00} credit limit that got reducced all the way down to {$500.00} in XXXX of 2020, but that was just after all these other bad things happened, so I understood it at the time, even though they were not anything that I did wrong. I pay for all the charges that I put on my credit cards, but I'm not paying for anyone else 's, even if the card is in my name. I informed the FCRA and the credit bureaus about the situation with these XXXX cards, XXXX which is just charged off as a bad expense, and the other that was sent to a collection agency. We XXXX try to do something with them at some point in the future, but it won't be able to be very much, as they need to be paid by my mother who is retired and on a fixed income and has limited financial resources, and is also paying me back for all that money that got stolen, as it was a mistkae she made without my knowledge that cuased it to happen. I've still only recovered a little less than a third of what was stolen, plus there have been othr legal fees and taxes that have resulted beaus of it, that she need to give back to me aas well. It's going to take some time to get paid back by someone who has virtually no money, in larg part because of terrible financial decisions, and who is retired and on a fixed income. As I said, I have an exemplary payment history with Barclays and normally have very low credit usage, but now, after more than XXXX yers, they decide to take XXXX XXXX of the credit away on the other card? I'm not responsible if other people are crooks and/or stupid. I even asked if they could meet me halkfway and give me some of the credit back on both cards, say $ XXXX on each, instead of $ XXXX on each, but they weren't even willing to do that. I told them that this is a stunt, to do this after more than XXXX years later, while my credit score is improving sowly but surely, and having never had a late payment, and that a complaint was going to be filed against them. Right now, the XXXX cards ar locked, as I don't want to close them yet, as XXXX is the oldest card I had, and I've had the other for over XXXX years which helps my credit history, which in turn helps my scorre. I also am reluctant to make any mo inquiries for othr cards, as too many of them tend to lowere your score somewhat, and I have a few too many right now in the last couple of years already. I woul appreciate it if you could first try to do something to restore some of my original credit with them, because they are being very unfair, and I am suffering because of what other people have done, and it's not right!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
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 have filed Case # XXXX with Barclays ... .The issue began in. XXXX When I received this credit card for XXXX XXXX, gap and old navy .Right away i got a statement before I even used the card.Its been multiple calls to resolve this issue since XXXX. I have purchased items worth {$43.00} and have made payments for over {$70.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Barclaycardus.com gave me a XXXX card with 18 months no payments, I had the card for a couple months with no useage, usage, then I put emergebcy vehicle repairs on the card for XXXX XXXX and made a payment of {$500.00} when my payment due was {$0.00}. The credit company within 1 week decreased my limit from {$10000.00} to {$6400.00}. Which ruined my credit utilization and then my other credit cards did the same thing even when I had only 20 % utilization on other credit cards... Then every payment I made to Barclaycardus.com, they decreased my total available credit limit to match how much I paid down. I had a balance of {$4100.00} then I got a call from Barclaycardus.com... they said they were going to close my account because I was at 100 % utilization. So they closed my account and I have made payment while the account is listed as a charge-off.. They still charge me interest like the account is open and late fees constantly with no paper or digital monthly statements. They won't settle the account and won't reactivate my account.. I have now paid {$18000.00} and lost XXXX XXXX XXXX points because of a {$6500.00} car repair and for believing that Barclaycardus.com was a reputable company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A few years ago there was a breach on my phone and all my info was taken. Since then I have had multiple accounts that Ive had to take care of and fix because of this identity theft issue. There is one company XXXX XXXX to be specific, that will not come off of the charges. They still think it was my card, but can not prove that I was the authorized user during the transactions that were purchased. The total is a mere {$390.00} but still its affecting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a letter supposedly from wyndham rewards credit card. It said it need a copy of my drivers license, social security card, and bank statement to process my card application. I NEVER applied for this card!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: This issue involves Barclay 's bank holding over $ XXXX of funds from my account. I had a plane ticket, that I could not use because of an emergency, refunded to my Barclay 's credit card account on XX/XX/2022. This created a balance on my credit card of + {$1500.00}. Since I hardly use this card, I requested a credit balance refund of the amount on XX/XX/XXXX. The refund showed that it processed on XX/XX/XXXX. It has been 10 weeks since that time and I have still yet to receive the money that was in my account. I have called up Barclay 's around 8 times to get this sorted and every time they promise me the check is in the mail. The first time I called they said it would take 7-10 business days. The next time I called they said it would take 20 business days. The last time I called they said it could take up to 2 billings cycles ( 2 months ) to get my money back. The tell me the reason it was not received was because the address was incorrect, because I recently moved. My previous address is my parent 's address and I still receive every piece of mail sent there. They have supposedly updated my address the past 5 times I have called them and yet every time they act like it is new information and add the address again. I have escalated the issue to supervisors and managers and they all make the same promise that the check is in the mail. One supervisor I talked to 2 weeks ago told me they were expediting my check and it would be at my address in 1-2 days. That never happened. When I called back I was told the previous agent lied to me as checks can not be expedited. I have spent roughly 10 hours on the phone with agents of Barclay 's Bank and I am no closer to receiving funds that are mine. I am now late on rent and bills because I relied on having this money. At this point I am worried I will never get the {$1500.00} that was in my account. I would prefer the money to be electronically transferred as I have grown tired of hearing that " the check is in the mail '' for 10 weeks and ongoing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I was issued a check for {$52.00} from Barclays, a refund from interest and fees associated with fraudulent charges on my XXXX XXXX that were finally removed and restoring my balance to {$0.00}. My XXXX statement showed these same fees in the amount of {$52.00} back on my card. When I called Barclays I was assured the charges would be reversed by the next billing cycle. On my XXXX statement, the {$52.00} is still there, along with a late fee of {$29.00} for not paying the erroneous interest fees. I called Barclays again to have the charges removed and was told I would need to go back through the fraud complaint process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Email sent XX/XX/XXXX : I am having a recurring problem when trying to add an employee card to my AAdvantage Aviator Business Barclays account. I get an error message : " Employee not added. The information you have entered is incorrect. '' After spending two hours on the phone and speaking with eight employees over the past two weeks, I still can not add my employee. I don't understand why the information I enter is incorrect about one of my employees? Also, why has no one been able to resolve this issue? XX/XX/XXXX Spoke with XXXX Supervisor opened XXXX # XXXX was told she would follow up with me however yet to hear from her. Spoke with XXXX Supervisor opened Case # XXXX regarding Employee Card Point Extension, was told would follow up however yet to hear from her. XX/XX/XXXX, and XX/XX/XXXX Received calls from XXXX from Barclays Office of the President was provided a callback phone number, however when calling it goes to a general voicemail and I have left several voicemails. One voicemail in particular detailed a good time window and phone number to call me at, however yet to speak with XXXX. XXXX stated in her first voicemail on XX/XX/XXXX she would follow up with an email, yet never received one. On XX/XX/XXXX received an electronic letter from XXXX stating to call her to manually add an employee card, as technical difficulties still exist for me or regular credit card representatives or supervisors to add one. However, once again when trying to reach her it goes to a general voicemail. I sent a comment to her electronic letter and have yet to hear back. XX/XX/XXXX Comment sent to her electronic letter : XXXX, I have attempted to contact you several times via phone and each time it goes to a general voicemail. In your initial phone call, you mentioned you would be sending me an email which I never received. I hope you can assist in adding my employee and providing a refund of my annual membership fee, and providing non-monetary relief in compensating points given the exasperating experience I have incurred. I have included the employee information below to manually add the employee card. Also after speaking with several representatives they assured me that as it has passed 30 days to add the employee card due to failure to be able to do myself or any representative I would still be able to receive the sign-on offer. XXXX and prior representatives have failed to follow up on Case # XXXX regarding Employee Card Point Extension or Case # XXXX. I have made every attempt to contact Barclays, by phone, email, and voicemail, yet no one is able to assist or provide an update on the cases. Further, I am not able to reach XXXX Office of President associate who states she is the only person who can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 - I sent a communication through the Postal Office, which was received by your company on XX/XX/XXXX indicating the incorrect information being reported by your company. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. A charge-off is a canceled debt - and according to the IRS Publication XXXX a write-off is Gross income to me, and there's no way for you to allow income on my credit report. I was denied as result a {$31000.00} Auto extension of credit for my household use, and this has resulted in great harm to my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I applied for XXXX XXXX XXXX credit card with Barclays. I received my card XX/XX/22 opened it at approx 750pm after work. Envelope appeared in tact. Tried to serup online account for card was unable. The online setup system kept telling me I already have a Barclays card and to use that login. I do not have another primary holder of a Barclays card in my name. Concerned I called Barclay XXXX number on card. 3 three agents couldnt help me and didt know what was going on. I asked them to cancell the card and they wouldnt, they also told me my mothers maiden name didnt match. They didnt help. This application was filled out on an XXXX XXXX flight paper and the stewardess took the application. Now Im more concerned when I think about it. Please help. I want this card closed due to possible fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A