Date Received: 2022-11-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a letter on XX/XX/2022 from an attorney 's office that I am being sued by XXXX XXXX XXXX on XX/XX/2022. I have not received any notice that they are pursuing legal action, nor have I been served. I have never gotten a straight answer about where this debt came from or where they bought it from. I will not pay a company that profits on fear and intimidation tactics. There is no reason that I should have to pay a company that can't provide me with details of the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: Barclays view master credit card. Credit card last four number is XXXX. Credit card company charge $ XXXX for convenience on my credit card. Its Fruad was not authorized by me. I file a complaint to credit card about this fruad entry at credit card Fruad department. Finely credit card company says its valid entry but its fruad on my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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: XX/XX/2022 I noticed fraudulent charges to my card for {$5300.00}. These charges were from unsolicited promotional account checks that were stolen from my mailbox. We had received a notification from our HOA that our mailbox had been broken into during the time that these charges occurred. My girlfriend had also had to dispute fraud charges resulting from similar unsolicited promotional account checks having also been stolen from the same mailbox. I don't use this card often and prior to the fraud charges, the balance was at or near XXXX. I never received a potential fraud notification from Barclays. I called Barclays and reported this as fraud. I was told I would receive a written followup of some sort within three billing cycles. I never received any written communication within this time frame. However during this same time frame, I received numerous collections calls from Barclays and then a collection agency. Per my understanding of FTC regulations, " The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I wrote to the collections agency telling them this debt was in dispute and to verify the debt. Only then in XXXX did I receive a letter from Barclays stating that they denied the fraud claim. No information about an appeals process was given. I believe Barclays did not follow correct procedures for handling my fraud dispute. I did not receive a written notice within 30 days of my claim. Barclays did take action to collect the disputed amount during the investigation, including involving a collections agency. The creditor did report me as delinquent and this has severely impacted my credit report. They did not resolve the investigation within the stated time frame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Barclays miles and more credit card is charging {$10.00} cash advance fee for a {$30.00} XXXX transaction ripping people off It is supposed to be a 5 % of the transaction instead they have been charging a {$10.00} minimum contrary to the agreement Not sure how many people actually notice this but this seems completely illegal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I paid my last statement in full and wanted to take advantage of a 0 % transfer credit free that would expire in XX/XX/XXXX. I transferred over {$1200.00} on XXXX subject to a {$50.00} transfer fee. I received my statement and instead of applying the {$1200.00} to the 0 % promotion, they only placed $ XXXX to the promotion expiring in XXXX and applied a return credit to that 0 % transfer balance instead of applying it to my existing balance which will be subject to 27 %. I was misled and spent almost a XXXX hour on the phone with customer service with no resolution. This company misled me by saying that my entire balance transfer would be subject to 0 % until XX/XX/XXXX. Extremely shady business practice and I wouldn't be surprised if they were doing this to more people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2022, I attempted to make an online payment on my account. I discovered that my account was locked and I needed to contact the security department. As i spoke with a security analyst, I was told I needed to answer security questions to verify my identity using public record information. The questions were answered multiple times correctly i was told that my identity still can not be verified. I was advised there are only 2 ways to unlock my accoubnt, by sending them via fax a copy of my social secuity card or a copy of my drivers license and a copy of a utility bill. Neithe4r of these options are safe or secure and opens myself up to potential identity theft threats. I spoke with the cutomer service XXXX XXXX, who again advised I must send my documents again. When Asked the level of encryption used to protect my documents he said he was not sure. I am now unable to pay my bill or access my account without the possibility of putting my identity in jeoprady.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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 received a bill on my XXXX XXXX rewards XXXX for {$59.00} from XXXX Now a subscription channel. I called Barclays Bank and refuted this charge as I nor anyone in my family has watched The XXXX channel or XXXX now. Barclays got back to me and said that XXXX now had my email address so it must be valid. I then went to the fraud department and the investigations department and was told the same thing. I then contacted XXXX Now which can only be done via email, their website even says do not contact your bank as they can not help you. They came back with the same answer and wouldnt cancel the charge as its been more than 7 days. I came to the resolution that I have to pay the {$59.00} or Barclays will charge me interest and ding my credit for being late. I am now in the process of canceling XXXX store credit cards that are owned by Barclays Bank. How can a credit card company not stick up for their customers? Please help me. Thank you. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: While buying plane tickets with XXXX, a popup appeared to apply for their XXXX card and get a {$250.00} rebate. Nowhere did it say that there would be an annual fee. I bought and used the ticket and was approved for the card. I recently got the statement and noticed that a {$99.00} annual fee had been added to my bill. I called XXXX at XXXX and spoke with rep XXXX and then XXXX XXXX on XX/XX/22 and they stated that I would be charged an annual fee. I let them know that's not what I signed up for and that's not what their offer specified. I also let them know that their offer on line for a barclays XXXX card SAYS there's a " XXXX '' annual fee ( see screenshot ). My card looks exactly the same as the one on line. They stated nothing could be done and I let them know this was bate and switch and I demanded that the annual fee be erased as that's not what I signed up for. They refused. I let them know I would be paying my bill minus the fraudulent {$99.00} fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Consumer name : XXXX XXXX ( spouse ). Re : Old Navy credit card account, account ( card ) number XXXX XXXX XXXX XXXXXXXX, Expiration date XXXX. Payment of {$2700.00} was sent to Old Navy on behalf of Consumer by XXXX XXXX XXXX XXXX on XX/XX/XXXX. Check number was XXXX, XXXX XXXX ID is XXXX XXXX XXXX, XXXX Account Number is XXXX. Payment was received, processed, and endorsed by XXXX XXXX for Barclays on XX/XX/XXXX, but has NOT been posted to the credit card account as of XX/XX/XXXX. Consumer contacted Old Navy " customer service '' twice, once each on XX/XX/XXXX and XX/XX/XXXX. Customer service for Old Navy is located at an " offshore '' location ; their personnel were unable to verify that the payment had been received by Old Navy 's bank ( s ). Consumer offered to fax evidence ( copy of endorsement ) to them, but they declined, stating that they would not be able to physically receive it. Endorsement reads : " XXXX XXXX Bank XXXX XXXX at XXXX XXXX Bank XXXX XXXX XXXX XXXX BARCLAYS XXXX ''. It was dated " XX/XX/XXXX '', with " sequence '' number " XXXX '', back to XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for I purpose. 44.6K 435 7667
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A