Date Received: 2022-10-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Signed up for an XXXX XXXX credit card with Barclays Bank on XX/XX/2022 with an offer for XXXX AA miles & a {$95.00} statement credit after spending $ XXXX dollars within 90 days. I spent the money, paid the {$95.00} annual fee & got the XXXX AA miles for doing so but have not received the {$95.00} statement credit. This has all been confirmed with the bank several times. Representatives agree that I have met my requirements but they also can not seem to get the credit to happen. On XX/XX/2022 I contacted support and they opened a case to resolve this. Today XX/XX/2022 I called again and went through the issues again and the rep confirmed the case existed but there was no update. The rep, nor her supervisor, were also unable to resolve the issue after XXXX minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Your help is needed as I have been locked out of my Barclays card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, XXXX and XXXX of the invalid address on my profile and is not a correct location. XXXX has now alerted me that barclays has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for 37 min 39 sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. Barclays has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX. Despite, Barclays XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. Barclays has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. Barclays mislead me that the only address being reported to XXXX, XXXX, XXXX is XXXX XXXX XXXX, XXXX NY XXXX. Barclays has lock the profile to prevent address updates. Barclays has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached. How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 2ND : BARCLAYS HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate Barclays actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2022 an account was opened in the Barclay 's Bank. The balance amount was {$530.00}. The Business type was XXXX. The street address of the bank is XXXX XXXX XXXX XXXX, XXXX, Delaware. Zip code : XXXX. I do not recall opening an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92120
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXXBarclay 's XXXX placed with collections and did not allow me to rectify and pay erroneous balance of {$310.00}. When I contacted the collections agencies they did not have the account and could not take payment for me to bring it to resolution. XXXX told me that this XXXX account could not be rectified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95682
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
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: Over two years ago I closed a Barclays Choice Privilege Credit card ( XXXX of XXXX ). In the Spring of XXXX, I received a {$10.00} charge on that same card that has been closed. I immediately called and told the associate the I closed this account, in which she agreed and would forward the complaint. I have sent two letters to Barclays in which their response on the first letter was for me to call the number on the back of my credit card. I then sent a second letter explaining that the account was closed etc. I then called a representative and she go a supervisor on the line and they explained it would be taken care of, which it wasn't. Now, XXXX months later, I continue to get emails that my account is delinquent etc. Keep in mine, this company has ruined my credit rating which went from XXXX to XXXX in a short period of time all over a {$10.00} charge the I did not make. Finally on XX/XX/XXXX I got a letter they have closed my account for suspicious activity ( which they did not ) as I closed it over 2 years ago. They also stated that I would not be responsible for the charges during the investigation.The investigation should be simple, the account was closed 2 years ago and the charge came in a year and one half later. As of today, I continue to get emails that my account is delinquent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To Whom It May Concern : Much like many other financial institutions I have had problems making payments. Barclays during an extended period of time didn't give me access to their website to make payments. They locked me out. They didn't give me an alternative to pay. The only institution that didn't want to accept money. I believe this was done in a malignant way. Since this is a XXXX Company I had a very hard time getting through. I eventually got a hold of the CEO in XXXX and I got a response. But nothing got resolved. I spoke finally after about 10 calls to a person that opened the website to me and gave me the opportunity to make payments. By this time I was very late and delinquent because they didn't want to accept money. After having them open the website I was able to start making payments but they were reporting everything to the credit agencies as delinquent. It has hurt me in every way financially. I am now in better standing but they have not reinstated the credit card. They continue having it cancelled and therefore hurting my credit score. It has taken a tremendous amount of time from my work and therefore hurt my family financially.
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: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On or around XX/XX/2021 I entered into a repayment agreement with Barclay 's US for my JetBlue Mastercard outstanding balance. The repayment agreement included a fixed payment of {$70.00} per month at a 5.9 % interest rate until the principle balance was paid. I agreed to the rate and payment terms and established 'autopay ' with Barclays XXXX On or around XX/XX/2021 I contacted Barclays US because of credit misreporting - I discovered that Barclay 's was reporting this account as charged off and in collection status/unpaid. After two weeks of back and forth with Barclay 's, they submitted an updated report to the credit bureaus showing that this was an installment loan and payments were up to date. There were no missed payments and I was current on the installment loan as agreed. On XX/XX/XXXX, I contacted Barclay 's after discovering that the payment for this credit card was not automatically drafting from my checking account. I was told that due to a 'system upgrade ' all auto-payment information was lost and needed to be set up again. I never received notice of any system upgrades, that I needed to reestablish autopay, or that I had missed any payments. I was told that my information would be referred to a supervisor who would contact me. On XX/XX/XXXX I was contacted by a supervisor. This supervisor told me that while there was a system upgrade, my payments hadn't been drafting because Barclay 's 'AUTOPAY ' is really a setup of 12 'SCHEDULED TRANSFERS, ' and it is up to the consumer to re-schedule 12 payments each year. Further, I was told that I was now ineligible for the hardship repayment loan I had agreed to, and I lost the low interest rate due to my non-payment of the loan as agreed. I have been charged late fees and this account has once again been reported as delinquent to the credit bureaus. I believe this is a violation of the fair debt collection practices act as well as a violation of the fair credit reporting act, and a violation of the unfair, deceptive and abusive acts and practices act. This creditor establishes a hardship repayment loan for a term of 60 months at a low interest rate, then schedules 12 payments, and expects the consumer to notice and/or reschedule payments after 12 months. Once the consumer misses a payment because they thought their loan was set up for automatic payments, they default on the installment loan, lose the promotional interest rate, incur fees, and are negatively reported to the credit bureaus for an unpaid loan balance. Further, each creditor that I have established a repayment agreement like this with has established autopay and I have not missed any payments since establishing the agreements because in all other cases auto payments from a checking account have been REQUIRED as part of the loan repayment agreement. This creditor is using a bait and switch tactic whereby they KNOW the consumer will default because they make the consumer THINK their repayment agreement payments are drafting from their account indefinitely until the loan is repaid, however this is not the case with this creditor. I further received no notice of ANYTHING to do with late or missed payments. I have requested the creditor reinstate my installment agreement and defer any missed payments to the end of the loan term. The creditor has refused to do so. I am prepared to file a legal complaint and sue this creditor in court for damages as a result of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01545
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Problem with customer service
Subissue:
Consumer Complaint: In accordance with the fair reporting credit act these following creditors jetblue/barclays, XXXX XXXX and XXXX XXXX has violated my rights under 15usc 1681 section 602 states that i have rights to privacy, 15usc 1681 section 604A section 2 also states a consumer reporting agency can't furnish an account without my written instructions.Under 15usc 1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose i'm hoping you can look into this matter. thank you
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, a customer representative from JetBlue Credit Card XXXX XXXX Barclays ) called to ask me if I had made seven purchases of a portable stereo CD player from XXXX. I stated no so the rep. said not to worry because the fraudulent transactions would be reversed and I would not be charged. I received a letter from Barclays dated XX/XX/2022 that stated I am not responsible for the fraudulent activity. I later received letters from Barclays dated XX/XX/2022 and XX/XX/2022 stating that I am now responsible for the charges of {$1300.00}. I disputed the outcome and still have not been credited for the fraudulent purchases. I spoke to a representative that stated the tracking number associated with the seven portable stereos shows delivery to my address. I later went directly to the post office to get details on the usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This tracking number does show delivery to my address, however, the weight of the package was only XXXX ounces and postage was {$3.00}. Obviously, the weight and cost does not equate to shipping one portable stereo let alone seven. I do recall receiving an empty envelope with no return address and a delivery confirmation number in early XXXX. I thought the empty letter was odd but did not keep it since there was nothing suspicious going on at that time. This is shown in the submitted documentation along with the police report that I filed. For some reason, Barclays is still insisting that the tracking number is proof of my receiving the seven portable stereos. I asked a customer service rep. from Barclays to let me speak to a manager and was told none are available and that I would receive a call within a couple of days. It's been several weeks since that call and I still have not heard from a manager at Barclays while I keep getting credit card statements showing interest and penalties accruing on the fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01826
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX XXXX XXXX, I made a payment on my Barclays credit card. The amount was for {$750.00} which was the total balance as I pay off my credit cards each and every month. After making the payment online and on time. I received a notification from XXXXXXXX XXXX which stated that the account was sold to them and that I owed them {$750.00}. I told them that I had already paid the account and that it was made out to Barclays bank as they were the current owner of the time that payment was made. I was then sent back forth between Barclays Bank and XXXXXXXX XXXX in regards to the payment. XXXX stated that they never received the payment and that if I didn't make a payment they would report me late. Because my credit is impeccable I didn't want to chance it. So I made an additional payment to XXXXXXXX XXXX in the amount of {$750.00}. I then filed a complaint and was told that an investigation would be started to resolve it. I ever provided both Banks with copies of the initial payment that was sent to Barclays back in XXXXXXXX XXXX XXXX. It is now XXXX and I'm still out {$750.00} as a result of there inept ability. I contacted Barclays Bank just last week and spoke to a Supervisor for over an hour trying to resolve it. The supervisor conveyed to me that it would be resolved in under 24 hours after speaking to her. Several days later I received an email stating that the account was sold by Barclays Bank and that will not investigate any further. This is XXXX! I called Barclays Bank back was told too Bad I need to contact XXXX XXXX since they are now handling the account. When I called XXXXXXXX XXXX back they said it's matter with Barclays. In other words, I've been given the complete runaround and I'm at my wits end. I tried taking civil action against Barclays Bank. However, they don't even have an agent for service in regards to small claims matter. I really need your assistance. Thank you in advance XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A