Date Received: 2022-10-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX, I transferred {$6000.00} to Barclays for a fee of 4 % ( {$240.00} ) with a promotional balance transfer of 0 % until XX/XX/XXXX. Since that time, if not before, they have been inappropriately applying payments resulting in accrued interest charges. For example, on XX/XX/XXXX, I made a payment of {$1000.00} which was inappropriately applied to my promotional balance instead of my balance accruing interest. On XX/XX/XXXX, I made another payment of {$200.00} which was also incorrectly applied. My statement balance as of XX/XX/XXXX was {$2000.00}. Since that time, I have made payments of {$1500.00} and Barclay made one credit of {$64.00} to my account. Purchases of {$53.00}, an annual fee of {$89.00}, and {$100.00} in interest has been charged to the account. I was assured that neither the balance transfer fee ( {$240.00} ) nor the {$6000.00} promotional balance was accruing interest. However, the numbers simply do not add up and none of the representatives or managers I spoke with were able to adequately explain their interest calculations. I was told by a manager ( XXXX XXXX today that the " Interest Charge Calculation '' section of the statement was only projected numbers and should not be relied upon. This is very concerning to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
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: Hello, To whomever this finds, I hope you are doing well! I have been tirelessly trying to fix a XXXX day late error on my credit report that has dropped my score more than XXXX points since XXXX. The company in question is Barclays/Barlcaycardus . On XX/XX/2020 I made an on-time payment of {$250.00} to my credit card account. On XX/XX/2020 I received an email stating that the payment was received by Barclaycard/Luxurycard . I have photos/screenshots proving this statement. When attempting to make a payment on XX/XX/2020, I was prompted with a past-due 30 day late payment for the month of XXXX. When reaching out to Barclays via phone immediately, I was told that no payment was made in XXXX, and the payment never posted to the account. I told them I received XXXX communication from them stating this prior to my phone call, and was told there was nothing they could do. In XXXX of that year I wrote to the Executive Office of Barclays US and told them the story I told you. They investigated the matter and also told me there was nothing to be done and they need to report accurately and the XXXX day late was accurate. However, they also told me that they have no record of their own company sending any notification, email or text/phone call, letting me know the payment didn't go through. The App also reflected that a payment was made.. This is the kind of scenario that destroys trust among customers with large institutions and it needs to be looked into. I have been denied loans and come under scrutiny during credit checks because of this. This was not my fault and I should not have to bear the responsibilities of Barclays ( lack of ) actions. Best Regards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My husband and I ( both Barclay card holders ) re-financed our home in late XXXX through XXXX XXXX ( XXXX. ) In the refinance, we used equity to pay off or down XXXX loans/credit cards. We were furnished checks from our lender to mail into our credit card/loan companies. All were carefully mailed in to each of our creditors with checks made out to the specific companies ; we made sure to include most recent statements and account numbers etc. One of the largest checks, {$17000.00}, was made out to Barclays Credit for my credit card. Another was my husband 's Barclay card for {$6200.00}. All 7 of the checks were made at a United State Post Office, snail mail, on XX/XX/XXXX. All of the other payments were promptly received ( including my husband 's Barclay card payment ) within a week or two. I started getting threatening letters from Barclay saying I had not paid within 8 or 9 days after XX/XX/XXXX. I called Barclays and was treated rudely, and told I had to wait 15 days by company policy for them to reflect payments. I refused to pay more feeling that {$17000.00} was plenty on my payment for XXXX which was due XX/XX/XXXX. ( Of course by that time they were piling on late-fees etc. of {$300.00} or {$400.00} more ). Fearing that the {$17000.00} payment had been lost in the mail, I called our Mortgage company, XXXX XXXX, and received, in writing, that the Barcly Bank card check of {$17000.00} cleared on XX/XX/XXXX. During this time my husband and I both called Barclay and were rudely hung up upon when we asked to speak to a manager - twice in one night. I was so upset, my husband made the contact for me and he was hung up upon also. A week ago the same person ( XXXX? ) who hung up on us called me and admitted Barclays system had had a problem or glitch on XX/XX/XXXX or XXXX, but they should be back with us in a week. That was a week ago. Today my husband received a letter saying his credit had been limit dropped from {$7000.00} to like {$2000.00}. ( Keep in mind, his income has not changed in some 10 years ) I received a threatening letter stating I had not yet made my XXXX payment and would be sent to a credit agency. My husband and I are seniors ( husband XXXX and I nearly XXXX ) and this has been terribly stressful. I do not care to contact Barclays further given the rude treatment we've received ( although " XXXX '' last week did kindly notice that I had never once been late on a credit card payment until this XXXX " lateness. '' Last Wednesday she said I now had a case id of XXXX, and that I would hear something in one week. Tomorrow, XX/XX/XXXX, will mark exactly one month since my payment to Barclay 's was mailed in. Meanwhile in continue to get threatening letters from Barclay saying I have not made my XXXX payment, and my credit score is being damaged by their failure to put this payment on the books. I do not know where else to turn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
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: 2022-10-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I check my credit report every day and I checked my report on XX/XX/XXXX to find out XXXX XXXX and Barclays bank has added 3 inquires illegally to my credit profile from XXXX of this year that wasn't showing at all until XX/XX/XXXX these inquiries are fraudulent and are not mine I have not applied for XXXX XXXX or Barclays bank and am not currently a cardholder with these companies these inquiries should be removed immediately ... also the address they provided they say the application was made with of XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and phone number ( XXXX ) XXXX isn't my address I have never lived or resided at that address at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX at XXXX Barclays sent me an email offering a promotional 0 % APR. I accepted this the same day, well before the deadline to accept of XX/XX/XXXX. After checking over the next week, I couldn't find this offer reflected anywhere on my account. On XX/XX/XXXX, just to confirm I asked a customer service rep with Barclays AA Advantage Mastercard to check my Interest Rate and they showed it as a whopping 22.99 %. The interest rate isn't listed anywhere on the home page, so it would be easy for someone to assume the offer they opted into ( which Barclays AA Advantage Mastercard website showed I had accepted ) was valid. Offering someone 8 months of 0 % APR and instead charging them 22.99 % could cost someone a LOT of money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Today if I may, I want to speak with you about a growing concern I have. With how the creditor Barclays Bank Delaware continue to violate my rights I have under the Fair Credit Report Act. I have been continuously fighting with this creditor about errors and inaccuracies with account information provided on my credit reports that I want corrected. The creditor Barclays Bank Delaware continue to refuse to follow the guidelines provided by the Consumer Financial Protection Bureau and the CARES ACT during the Covid19 pandemic. In XXXX, the Consumer Financial Protection Bureau released a policy statement outlining the responsibility of credit reporting companies and furnishers during the Covid-19 pandemic. When Congress passed the CARES Act, it required lenders to provide struggling borrowers payment " accommodations. '' In the CFPB statement it warned lenders they must comply with the CARES Act. Which requires lenders to continue to report to the credit bureaus that consumers are current on their loans and paying as agreed " if consumers have sought relief from their lenders due to the pandemic. '' It also requires lenders to report " Accurate information '' to credit bureaus relating to the relief. However, creditors like Barclays Bank have failed miserably at abiding by the laws of the FCRA Act. I would like to bring to your attention one of my creditors, Barclays Bank Delaware, failing to conduct " reasonable investigations '' into my disputes about errors on my reports. I have two now charged off accounts with Barclays Bank Delaware. In XXXX of XXXX, I contacted the creditor asked for and received a Covid-19 payment relief accommodation. I know your first question is whether I was given any documentation? However, my creditors never gave any documentation about approvals for the Covid-19 relief program. I was always told it would be noted internally and the information " Pays as Agreed '' would be submitted monthly to the credit bureaus. To prove that point, I called and spoke to one of XXXX 's representatives XXXX XXXX. I called Barclays Bank ; it was my intent to request a letter verifying the XXXX relief program I was in. I spoke with rep " XXXX, '' He confirmed with his supervisor Barclays do not send out confirmation letters. He and his supervisor stated it was an internally noted thing due to the XXXX crisis that they enrolled consumers in the program. He further stated the notation is in their system. The rep stated that the program was only for three months. However, this is not accurate either according to Barclays records, my credit reports, and the guidelines of the CARES Act. Per the review of my XXXX, XXXX, and XXXX credit reports, they all have the same payment information records for Barclays Bank Delaware. My last payment was " XX/XX/XXXX. '' However, from XXXX to XX/XX/XXXX, payment information was submitted to the credit bureaus " Pays as Agreed. '' My point is, regardless of whether Barclays is stating the relief program I was enrolled in was 3, 6 or 12 months. Bottom line is I was enrolled in one of their Covid-19 relief programs for accommodations. My dispute with this creditor has been that I was approved for one of theirrelief programs, I never missed a payment prior to my enrollment, and I asked the creditor to investigate, verify the accommodation and submit accurate information back to the bureaus. If my last payment was XXXX of XXXX, the question becomes who paid or deferred payments for the months XXXX through XXXX? To date, the creditors and the credit bureaus have failed to provide any adequate " reasonable investigation '' into my disputes. Challenges were last sent via electronic disputes to Barclays Bank on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX. To-date, there has been no response to my verification challenges from the credit bureaus or Barclays. Per the rights given to me under the FCRA Act, if information can not be verified it must be deleted. Another issue I am having with the creditor is their failure to mark my credit accounts appropriately. For example, under the Reinvestigation section of my credit reports, it states, " This item was updated from our processing of your dispute in XX/XX/XXXX '' However, per the conversation between Barclay rep and I XX/XX/XXXX, at that time you can hear me ask the rep when my last dispute was received? Per the rep XXXX, my last dispute was received by Barclay in XX/XX/XXXX. I have submitted several disputes since then in XXXX. To date Barclays Bank has ever acknowledged my disputes or sent any written responses. Barclays Bank 'Delaware has continued to violate my right under the Fair Credit Reporting Act? For failing to update records, failure to follow guidelines for settling disputes, furnishing, and reporting inaccurate information, failure to furnish accurate information, failing to follow proper investigation procedures, Creditors giving credit reporting agencies inaccurate financial information and withholding notices about their investigations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
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: I've had my JetBlue credit card with Barclays for 7 years and not used it in the last few years why I canceled my credit card in order to save USD XXXX annual fee. Barclays then persuaded me to keep the card because of the benefits Jet Blue would offer. Upon reactivation, my auto payment feature has been somehow disabled, resulting in my USD XXXX annual fee not being paid. Since my monthly statement did not reach me either despite paperless statement ( got also disabled ), this amount was overdue. At no time did I know that this amount was overdue. This resulted in a significant drop in my credits score. I have reported this to Barclays and also to XXXX which then reached out to Barclays. Despite all this information, my credit score has not been adjusted accordingly yet. For a XXXX who is struggling to build a credit score, this is hard to accept. I disputed on the XXXX website again, send this complaint here and won't give up before I am not treated the right way here. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To Whom It Concerns : Barclays Bank is fraudulently trying to charge me for an apparent XXXX XXXX subscription that I neither requested nor authorized. The charge was put through on a previously closed card number ( which I reported lost/stolen ). Barclays themselves wrote me a letter ( twice ) acknowledging the fraud/error, and said they would be crediting my account. They have since backtracked on this agreement without providing me any further information though I have called them multiple times. I therefore closed the account after paying all valid charges. But they have decided to report me delinquent and are attempting to collect the fraudulent charge and fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
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 was scammed by a scam outfit that claimed to be from XXXX and would help me fix my PC that had been compromised. They told me that my bank account had been hacked for XXXX and I would need to have them fix it by using XXXX worth of gift cards to void out the transaction. Reading this now, I shake my head, but they had me under so much duress, I could not think clearly. I went to XXXX to get the gift cards. I tried first with a XXXX XXXX XXXX XXXX. Denied. Then tried with XXXX XXXX XXXX XXXX and they went through. I gave the scammers the numbers.I went home still on the phone with them and my wife had just returned fro. Work. She knew right away it was a scam and hung up on them. We immediately called Barclays to report the incident. The woman told us that the charges did not go through and had a fraud alert on them. She cancelled the transactions and issued us a new card. She told us we were all set. We were so relieved. This occurred in XX/XX/XXXX. On XX/XX/XXXX we were informed by Barclays the charges had been reinstated because I clearly was the purchaser. The XXXX web site talks about gift card scams and that their employees are trained to identify. Evidently not the employee that watched me get these cards. Now that I am learned about this scam, no credit card company should allow large purchases of gift cards or multiple, as mine was. I feel that they both should.be held culpable and let them eat their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A