Date Received: 2022-11-03
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: PLEASE NOTE THIS IS NOT DUPLICATE COMPLAINT AND I HAVE EXPLAINED WHY, THANKS Someone named XXXX called me in response to me previous complaint and assured me that everything looked good with my application and they have everything they needed to establish my identity. I thought finally that's a relief but of course nothing is as simple as that at Barclays and the things are back to square one as described below. MY APPLICATION IS STILL STUCK and I dont have any way to reach back to XXXX XXXX the number she called me from doesn't work and one of the Barclays own agents told me why not you file a CFPB complaint again. That's how bad and arrogant they are. I have asked multiple people to put me back in touch with XXXX or XXXX but they refuse to do that. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I had a decent conversation with XXXX on Monday who assured me that that if I fax or mail in my social security card, XXXX passport, and residential proof, I will be all set. I requested her and she did put detailed notes in the application. XXXX also reached out in response to an internal escalation on Tuesday saying I should be good to go. XXXX also reached out on Tuesday in response to my previous CFPB complaint saying that she would keep an eye on the application. I got 2 missed calls from Barclays this morning. I was hoping that this would be some good news but got the same non sense. Called the number they asked me to and same transfers again. Got this agent called XXXX. Without even looking at anything, he starts repeating the same non sense saying they need blah, blah, etc. When I asked him to read up on the notes, then he came up with some other non sense that the documents are not clear, I need to mail them the documents. When I asked him, which document out of the 3 was not clear, no answer. Kept repeating with lot of attitude that I need to mail in everything. Asked for a supervisor and got XXXX, who said the documents are readable and are legible. So of course that XXXX was lying. But then XXXX started telling me everyone else including XXXX, XXXX, XXXX is wrong. She is now starting from scratch and asking me for different ID documents. When I asked her about how come I have a current Barclays bank account and had Barclays cards in the past with the same ID documents, no answer. When I asked her about XXXX 's lies that the documents are not legible and I need to mail in, again no answer. This is like dealing with a bunch of arrogant non sensical people who keep making up their own XXXX rules/policies out of thin air. I am really fed up with this circus. Every one makes up their own rules, lies about documents not being legible, gives attitude, transfers you around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have Barclays XXXX XXXX card. The default reward structure for this card is XXXX on restaurants, XXXX on groceries etc. on XX/XX/XXXX I received a targeted promotion offer saying that I can earn XXXX additional points on restaurant, drug store and groceries until XX/XX/XXXX and I need to activate it. Attaching proof of offer screenshot from my email. I went ahead and activated the offer. I also logged into my app and chatted with customer service to make sure that this offer is active. The agent confirmed it. Refer screenshots referring to XX/XX/XXXX date. After that I started using the card and did not seem to warn the additional XXXX points ( I used the card in XXXX which is listed as a restaurant in Barclays portal. Additionally I also did not use digital wallet payment and used the card chip payment ). I reached out to customer support to understand when Ill get the additional 3X points. Im now being told that there was no such offer and its not active on my card. Review attached screenshot referring to XX/XX/XXXX date. I clearly have proof that I activated offer since one their agents confirmed it on chat and Im sure Barclays has access to it as well. This is outright customer abuse by Barclays to trick me into using the card by offering more points and later saying there was no such offer. Please help me get an explanation from Barclays
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
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: A travel agent requested a deposit of {$460.00} for a cruise, which we paid with out credit card. In XX/XX/2021, we paid our final payment on the cruise of {$2600.00}. We authorized travel agent to charge these two amounts at this time. In XX/XX/2021, a charge of {$2600.00} was made on our credit card, which we did not authorize. Credit card company stated that we purchased another cruise cabin for another guest, which again we did not authorize. The amount of {$460.00} was also never reflected on the final bill summary that we received for the cruise. Several disputes were made by us and the credit card company denied them all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93274
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I filed the following ( in blue ) today with the XXXX Federal Reserve after getting no satisfactory response from Barclays Bank. I believe someone in a leadership position at JetBlue XXXX In Late XX/XX/XXXX I signed up on-line for a Barclays Credit Card under a 60,000-point promotion program with JETBLUE for a JetBlue XXXX XXXX. An account was opened for me on XX/XX/XXXX. I contend that the promotion program was FRAUDULENT in that Barclays did not honor the promotion. I believe the problem may have occurred because Barclay 's initially rejected my application because my credit rating agency accounts were frozen by me as a credit protection measure. When Barclays notified me that my application was not able to be processed, I told them that I would unfreeze the credit reports ( which I did ). A Barclays representative told me they would reprocess my application. My credit rating accounts were lifted and the Barclays Representative confirmed that my application was reprocessed. What they did not tell me is that instead of reprocessing under the 60,000-promotion program, they processed it under a 15,000-point promotion with a {$250.00} statement credit after I paid {$99.00} for the first-year fee. This was never explained to me by the Barclays Representative. I am assuming this is what must have happened. But I did not know what happened with the points until XX/XX/XXXX when I received my credit card in the mail ( account XXXX ). As soon as I received the card I notified Barclays of the error. I was given a Case number of XXXX. The representative told me " do not worry sir, '' we will make things right for you. He told me that the correct number of points would post to my account AFTER I paid the {$99.00} fee along with my debited amount, which I did on XX/XX/XXXX in the amount of {$4700.00}. A subsequent XX/XX/XXXX account statement showed that I had not received the promised 60,000 points. Instead, it showed that I have only 21,757 points. I tried to cancel my account today with Barclays, but they refused to refund my {$99.00} fee. They say a refund request must be done within 60 days after making an application. But I did not know the promotion was not honored until after 60 days had passed. Today I spoke to a " XXXX '' named XXXX on XX/XX/XXXX. He gave me a second " XXXX '' case number which is XXXX. I am supposed to receive a call within 24 hours to have a XXXX call me. But, I have regardless been assured that Barclays can/will do nothing else to help me. On XX/XX/XXXX, I received a letter from Barclays saying that " We're currently unable to assist you with your Rewards issue. '' Since I was initially attracted by the offer of 60,000 points, Barclays has increased the offer to 80,000 points. I have documentation of the initial 60,000 and 80,000 points, as well as an earlier 50,000 point promotion for the JetBlue XXXX XXXX. I maintain that Barclays is running a fraudulent promotion program. I want to cancel my JetBlue XXXX credit card account and get a full refund of the {$99.00} fee Paid. I am sending a copy of this complaint to the JetBlue company. My XXXX membership number is XXXX. I have been a member for many years with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was going to purchase a car rental with XXXX and notices a promotion for a credit card that offered a statement credit and 0 % interest if I applied for it. Come to find out it's managed by Barclay. So, I applied and instead of being approved it stated more information was needed. I would be contacted back within 30 days. This is the second time this has happened with me and applying for a Barclay credit card. I did this with Old Navy as well to receive an additional % off and the same thing happened. I ended up not being able to use the extra % off for the purchase I was trying to make. In my opinion this is false advertising and possibly fraud. They're offering a promotion and then not approving consumers to get the promotion for the purchase. I have excellent credit and my debt to income is very low. So, there's no reason I shouldn't have been approved right away. I did this same thing with a XXXX credit card through XXXX last night and was approved right away with a high limit. I was able to utilize the promotion offered because of this. After this I called their customer service and eventually was transferred to their customer Security Department. I was informed that I was approved but my account number hadn't been processed yet. So, if I was approved 15 minutes after I applied why wasn't it approved so that I could use it for my purchase and the promotion? I'll tell you why!!! Barclay uses these promotions for a bait and switch. They offer them so people apply and then make it impossible to get the promotion for the purchase you're trying to make. THIS SHOULD BE ILLEGAL!!! Something needs to be done about this because it is a complete invasion of a customer 's trust. When dealing with a well-known company that is trying to handle our money, we shouldn't have to worry about getting screwed over. Thank you so much for hearing me out and hopefully handling this great injustice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The above account has never had a late payment and has always been on auto payment. Last payment on auto pay was XX/XX/2022 when the account was held by synchrony bank. Account was then changed to Barclays and no documentation or request to update the auto payment system was done by Barclays and no payment was made until XX/XX/2022 when I finally received a letter of a passed due balance. I immediately paid the balance due and late fees to bring the account up to date. I have further gone and updated the auto pay system on my account so this does not happen again. I have had this account over XXXX years and have never been late with a payment. XXXX XXXXXXXX credit card account # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: When I received a statement for renewal, I informed the company by mail that I did not want to renew and told them to void the card. I have never used the card since then and actually did not use it for some time previous to that. They continued to send me a statement showing the {$99.00} renewal fee. I have telephoned them and sent letters to their actual office [ not the bank to whom you mail payments ] and as of today, some months later, I am receiving " past due '' statements for the {$99.00} for a credit card I do not want or have used in more than at least a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had issues regaining access to my account after Barclays Bank took over managing the XXXX XXXX Credit Card. On several occasions, I requested a new card to be sent as I had not received the new card, and I was unable to access my online account without it. On the final occasion, I requested to pay my account off entirely and provided payment information. Unfortunately, the agent still left a small balance on the account, which I was unaware of until the account had been put into collections. I did not receive any type of notice regarding a past due balance, nor did receive notice of an attempt to collect a debt. Though they were polite and apologetic, I did not find the customer service team to be helpful in resolving the issue quickly, as I was informed that the only way of filing a dispute would be by mail or fax, which is clearly false.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
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 opened a case on XX/XX/2022, for a dispute on a transaction with the merchant XXXX. The reservation was booked on XX/XX/2022, for {$460.00}. The reservation dates were XX/XX/XXXX to XX/XX/XXXX. XXXX had booked the wrong dates for my reservation, and I attempted to change the reservation before my trip to the correct dates, which were XX/XX/XXXX to XX/XX/XXXX. Still, they could not help me after several days of trying to resolve the issue. XXXX stated that they could not contact the hotel, so they could not do anything about it, even though their system booked the wrong dates for my reservation. I ended up booking a different hotel for my trip and did not use the reservation booked with XXXX. As they mentioned, the only way to resolve the issue was to submit a dispute with my credit card company and not use the reservation. The reservation was never used, as that was the solution I was given by XXXX, as they could not contact the hotel to change the reservation to the correct dates. I ended up booking an utterly different reservation for my accurate travel dates. After the trip, I called and submitted my dispute for the transaction on XX/XX/XXXX. I was told that this would take some time for the merchant to respond to the disputed transaction. In XXXX, I received a call from Barclay XXXX XXXX XXXX XXXX XXXX, which I missed due to my busy schedule, but I immediately called back when I saw the missed call. A representative from Barclays mentioned that they had XXXX days left pending for the merchant to respond and that they would call me back with more information. The second call I missed due to my schedule, and the dispute team closed my case due to failure to contact me & quot ; Several times & quot ; when I only missed XXXX call. As the first XXXX, I reached back to the dispute team. It is exceptionally unacceptable that Barclays would go ahead and cancel my dispute for missing XXXX call without reaching out differently, like E-mail, Text, Mail, or even a voice mail, and giving me a timeframe to send my proof for the dispute. It is unfair for a consumer and a customer of Barclay XXXX XXXX XXXX XXXX XXXX not to get the chance to defend the disputed transaction by showing evidence for the conflict. After seeing my case was closed, I called Barclays again and was told to submit a letter through fax to reopen my claim. I submitted that faxed letter that same day but never received a response from Barclays. I called Barclays again and was told they never received my letter. To fix the situation, I submitted yet another faxed letter to reopen my case, including all documentation of conversations between myself and XXXX. Barclays finally received my information and then went ahead and reopened my case. They did not ask anything from me, and no one ever contacted me after reopening the case. I constantly called Barclays to stay updated on my case, as they never called me to tell me anything. Every time I called, they kept telling me they were reviewing the dispute and that it would take more time. On XX/XX/XXXX, I received a letter from Barclays stating they had closed my case AGAIN due to the current time difference between the date of the transaction. It was utterly astonishing and unfair as a customer, as I submitted the dispute right after the booking reservation On XX/XX/XXXX, right after the reservation had been completed, just as I was told. So, there is no scenario where I started this dispute after the 60 days stated by XXXX that a consumer is allowed to submit a dispute. I called Barclays again on XX/XX/XXXX and was told by a representative that they had closed my case, that I had to deal with the transaction with the merchant, and that they could not do anything about it. They could see through my proof of several days of trying to resolve the situation with the merchant that this was not an option for me. They told me to resend another letter for the third time to reopen my case and submit all my documentation again. It cost me XXXX XXXX to fax all the documentation at XXXX to Barclays for them to review and accept my dispute. They are telling me the only way to resolve my issue is to resend everything and go ahead and pay for another FAX for all this information. I am exhausted of this claim as Barclays has me going around in circles. They have no interest in protecting their customers, especially those who spend XXXX XXXX XXXX annually through their services, and always stay up to date in paying off balances. It is unacceptable for a company like Barclays to treat its customers this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
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 applied for XXXX XXXX rewards XXXX card by Barclay in XX/XX/2022. The first card end in XXXX. I never activated the card nor did I use it. In XXXX I receive a bill statement for {$4800.00}. I called the company to report fraudulent activities because I never even use the card. I see that the card was used for many cash advance transactions and numerous XXXX services that was over few hundreds dollars per service. Never have I ever use cash advance nor do I have an XXXX account. XXXX did an investigation and concluded that it was fraudulent because it shows on their system that I never activate the card the end of XXXX. They said they would credit me for ALL the fraudulent charges and will send me a new card. I got the new card in XXXX ending XXXX. Again this card was also not activated because now I am cautious about this credit company. For some reason they transferred {$1300.00} from the fraudulent card to my new card in XXXX. I called them right away to dispute the charges. Why is there still charges on my credit statement. I was transferred numerous time to different departments and none of them can help me. They each said that I cant help you. Let me transfer you to investigation. Investigation department transferred me back. I have to call many times to resolve this problem. It is now XX/XX/2022 and the last person we spoke to keep telling me that to look at my statement to see any charges. I keep telling her that there is no charges to the new credit card because I never activated it nor use it. The charges was still from the last dispute. It was futile talking to her and I requested to talk to a manager. She said it will be five days before anyone can call me back. I waited two months to resolve this problem but to no avail. My credit is greatly affected by this because of the late payments reported. My credit score has went down XXXX points because of this incident and it has impacted my health for I have no piece of mind and unable to get other credits for my home needs. This credit card company has lied and never investigate my request when I called to dispute about this. I have to keep calling back over and over again. At one time I overheard their representative talking to each other saying that I am trying to not pay and laughed. And no this is not an exaggeration. I will be filing another complaint with local state agency regarding this credit card company. For anyone out there please do not used this credit card company. It is unreliable and they dont abide by customer service laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A