Date Received: 2022-10-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Per the correspondence of Barclays, they have admitted they closed down the website not allowing me to make payments. This is what they quoted " On XX/XX/2022, you spoke with one of our representatives who restored access to your customer website, and the access is still available as of the date of this letter. '' In addition here is another quote from the same letter " We have verified that the tradeline is reporting as in dispute with the consumer credit reporting agencies since XX/XX/2022. Your account was reported delinquent as minimum payments due between XX/XX/2022, through XX/XX/2022, were not made or satisfied as per the terms of your Cardmember Agreement. " If they didn't allow access in which I tried since the inception and the cancellation of the card how would I have been able to pay. I couldn't even get through to the institution. If you look at the credit agencies yes I am delinquent for all those dates and yes they admit shutting down their website. Therefore as you can see from the credit agencies those are the dates in which I was delinquent. Exactly every one of those months. How much clearer can it be that they have caused harm to my credit, shut down my account and also caused tremendous suffering to me and my family. I had to reach the CEO at Barclays in XXXX to get the person that is corresponding his attention. He continued to ignore what I had to say. You can flat out see in their letter that they didn't allow me to make payments. I don't know what FTC can do to rectify their harm and what they need to do as a penalty for hurting me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called Barclays and requested to close my account in XXXX. The representative said I needed to pay off the balance to do so. I paid off the amount the Barclays representative requested and he verified the account closed. 2 months later they sent information to the credit bureau that I was 30 days late on a payment and my score decreased by XXXX points. I called Barclays XX/XX/27 and spoke to the representative. She confirmed that I paid off the account and closed it in XXXX. She told me that there was a {$15.00} charge that Barclays generated onto my closed account after the account was paid off and closed. She explained she could waive {$9.00} but the rest had to be waived by another department. The next department verified that they saw the notes made but could not waive the {$6.00} or help me with the negative credit reporting. I insisted she take this up to a higher level and she said she would open a case but cant guarantee anything. She also verified that in their notes I paid off my account and closed it. She gave me some explanation that Barclays was generating a late payment charge the same day I paid off the balance and therefore once I closed it, that amount still attached to my card. I challenged that explanation as the first rep that gave me the payoff amount confirmed the amount to be everything that was owed. I feel this is fraudulent and they have no right to report this as a late payment to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclay 's credit card ( AAdvantage Aviator XXXX XXXX XXXX XXXX, account ending in XXXX ), paid small balance and cancelled card approx. XX/XX/XXXX ; card then destroyed so we don't have account number, but card was in the name of my wife XXXX XXXX ( as a XXXX I generally handle this sort of matter for our family ). Obviously we could not and did not use the subject card after this point in time. On XX/XX/XXXX Barclay 's sent us a check for {$0.00} " as a result of a credit balance. '' Subsequently a series of statements have been received each noting a {$40.00} fee plus interest on unpaid balance. Latest statement XX/XX/XXXX for {$110.00}. With each statement we have tried to reach Barclay 's to remind them this account was closed and the card was destroyed, but never a response. Barclay 's continuing statements appear to constitute fraud and extortion, and may run counter to the SEC 's Cease and Desist order of XXXX XXXX, XXXX ( Admin. Proceeding File No. XXXX ) in re Barclays XXXX XXXX XXXX We can provide copies of any documents referenced here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2022, I canceled my flight with Frontier Airlines, but they did not refund me as requested. They issued a travel credit which I have advised several times I do not want. They have failed to respond to any and all requests made as well as previous affidavits. This is my final attempt to resolve this matter before taking legal action. I have attached a notice of default and an affidavit for review. Reservation numbers are XXXX AND XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48091
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had an account with Barclays and it was set up for automatic payments every month, on several occasions they failed to deduct the monthly payment, and then charged me for late fees so I paid off the balance and then after I disputed the charges and erroneous credit report entries they closed my account for inactivity. They currently have a bad credit item on my credit report for the last 2.5 years and they refuse to remove it and that is why I discontinued using their services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXXXXXX XXXX another account opened crossing my info wrong fraud this acct XXXX XXXX. Also Barclays XXXX XXXX account I have filed Fraud with my County and XXXX XXXX XXXX reports of Identity Fraud Theft. Some accounts have been removed. These are a few as of now Im doing my best to get info and recognize the Fraud. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77535
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have closed my credit card account with Barclays XXXX on XX/XX/2022. However, more than XXXX month later on XX/XX/2022, they posted a transaction charged by a service that I didn't want to subscribe. And when that company did that, they failed at least 3 times and sent me emails about billing failures on XX/XX/2022, XX/XX/2022, and XX/XX/2022. I didn't do anything thinking that the service renewal would naturally stop after that. So it was really astonishing that the transaction of {$52.00} succeeded afterwards. I contacted customer service of Barclays XXXX, and they acted as if it's only naturally for any merchant to be able to charge me even after the account closure. I complained and then they told me to " rest assure this is escalated for review '', and that their dispute team would work on it. However, nothing happened after that other than phone and email harassments from them. And when I complained to them again, the customer service suggested me to go talk to their X or Y departments directly. So I don't think they are capable of handling this simple thing and stop their harassment. As of XX/XX/2022, they want me to pay for {$300.00}, for the original {$52.00}. I doubt they have been keeping reporting things to significantly lowered my credit scores.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Due to overwhelming debt I was forced to turn my debt to XXXX XXXX XXXX and have them negotiate payments I can afford. All of my debtors have accepted except Barclays Bank. They call repeatedly from XXXX to XXXX XXXX at least 7 times a day except Sunday. I have told them that XXXX XXXX has negotiated with them. I was current thru XXXX of this year with payments. Since XXXX they have been receiving {$290.00} a month. They say I owe an additional {$900.00} which I do not have. I've emailed them and told them that in XXXX I will have my income tax return and I will make good on the {$900.00}. I'am retired and live on my pension and social security. All of income or almost all of it goes to bill paying I can not afford to pay them more right now. Please them I'm doing my best to pay them. The number they call me from is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78238
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
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 contacted Barclays ( XX/XX/XXXX DE ) my credit card company to dispute a phantom charge on or around XX/XX/2022. I was told by Barclays that I must submit dispute in writing. I faxed ( XXXX ) the following statement : " On XX/XX/2022 I was charged incorrectly by XXXX XXXX XXXX ( XXXX RT XXXX XXXX NY ) for sum {$180.00} for repairs while my car was still under warranty. I was told by the Service Rep there would be no charge for the repairs. Upon discovery of this charge I called the service department at XXXX XXXX XXXX twice I an attempt to rectify this matter. I was told twice by XXXX different receptionists that XXXX would call me back. The results of both phone calls on this matter yielded negative results. Hence I want to dispute this charge. '' I received a letter from Barclays dated XX/XX/2022 stating, " unable to assist with disputes involving rebates or warranty work. '' XX/XX/2022 contacted Barclays spoke to XXXX who recommended to send a fax to reopen my case. XXXX further stated she memorialized my phone call comments and concerns in Barclays XXXX. on XX/XX/2022 I faxed Barclays another statement, " Looking over my statement I discovered a phantom charge by XXXX XXXX XXXX for sum {$180.00} for the date XX/XX/2022. I called XXXX XXXX XXXX XXXX department twice in an attempt to rectify this matter. I was told twice by XXXX different receptionists that I would receive a callback. To date I never received a callback. Due to this phantom charge void of warranty work or a rebate and XXXX XXXX XXXX being unresponsive I want to reopen this dispute. XX/XX/2022 I called Barclays and was told XXXX in the dispute department that my dispute was reopened on XX/XX/2022 and closed on XX/XX/2022 because to much time has passed and this phantom charge can never be disputed again. On approximately XX/XX/2022 XXXX XXXX XXXX stated they have no record of any customer being charged {$180.00} for any service performed on XX/XX/2022. I thank you in advance for any help and time you put into this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Applied for card XX/XX/XXXX and was approved by Barclays. Now Barclays is not letting me use the card and when I call in to ask why it's blocked the reps are unable to help me. They say there is no security alert on my account even though the website is telling me to call as there is a hold. I have a payment of {$95.00} coming up even though I can not use the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A