Date Received: 2022-10-17
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: There was a fraudulent charge on my Barclays jetblue credit cardXXXX from cheap carribbean-on XX/XX/2022. It was on my now closed card XXXX XXXX XXXX XXXX. We tried to resolve with cheap carribbean who has no record of the transaction. We have disputed the charge 15 times and have spoken to Barclays about the dispute 5 times. They have not done anything except charge interest and late fees. This is problematic as my credit rating is suffering for a purchase I never made. As Barclays refuses to act I have no choice but to complain to you. After over 2 months they appear not to be submitting the dispute as cheap carribbean said they will refund the card if the dispute is received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Received an email on XXXX XXXX, XXXX stating I spent {$15000.00} on my wyndham rewards earner card and earned XXXX Bonus Points amd they would be reflected on my XX/XX/XXXX billing statement. I did not receive those points on my statement nor at my Wyndham Rewards account. I contacted Barclay and the agent told me to wait 1 billing cycle and it would show up on my XXXX Statement. I just received my statement and they are not on there. I called XX/XX/XXXX and the agent said I received the email stating I earned the points, but won't be given them until XX/XX/XXXX. I haven't even received anything on my statements as previously promised, so im taking everything Barclay said as a lie.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97116
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing an additional complaint because in my previous complaint XXXX XXXXXXXX XXXX responded with XXXX XXXX response and I never had any dealings with them because as explained, I was told that they were Wyndham but the financial side, never told another company. I got login information directly from Wyndham to access these accounts. I didn't learn that these were individual companies until I had problems trying to set up dates for vacation and the rep was going over the account and disclosed them. The representative who was a part of the presentation explained that the XXXX Bank was the financial part of Wyndham, which was NOT true. They opened a line of credit with this company which is NOT Wyndham and also a credit card which they told us was a Wyndham Rewards Card which was also NOT true, it was also it's own company! FCRA Affiliate Sharing Rule. clearly states 624. Affiliate sharing [ 15 U.S.C. 1681s-3 ] ( a ) Special Rule for Solicitation for Purposes of Marketing ( 1 ) Notice. Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 603 ( d ) ( 2 ) ( A ), may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless ( A ) it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons for purposes of making such solicitations to the consumer ; and ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person. I was NEVER given the opportunity to deny or decline these accounts which were apparently Wyndham affiliates that they solicited to open these accounts. Everything had Wyndham 's name on it that's why we didn't know any different. With the exception of XXXXXXXX XXXX which again we were told was Wyndham but the financial part of them. Wyndham set up the accounts and gave us login information we never had to go to either company to do anything. This is why we had no idea all these accounts had been established. The reason it shows that I was making payments is because I wasn't eligible to set up reservations until XXXX XXXX for vacation. Certain areas allowed us to set up reservations no more than XXXX in advance. This is why we had to wait until the new year because the vacation would've taken place at the end of the year. However, after learning the information of the multiple accounts not being disclosed and the way the reservations really worked, along with the problems trying to do the reservations, I ceased everything with Wyndham because they were deceitful in their dealings. I dealt directly with the agent at Wyndham with my concerns because all of my dealings were always with Wyndham. I ask that XXXXXXXX XXXX XXXX XXXX XXXX and Barclay 's account # XXXX the initial companies that provided information to the collections, provide the signed agreement that I entered with them to open these accounts. If they are not able to provide this information, I want every company connected to these accounts ( including the collection companies ) removed and permanently deleted from my credit and any other reporting or attempt to collect ceased. XXXX XXXX XXXX XXXX Barclay 's # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( they did a cease and desist but states debt valid but never proved it ) XXXX XXXX XXXX XXXX XXXX XXXX Due to my previous complaint XXXX XXXX has removed their information from my credit report. However, they are still trying to pursue payment. I have attached the Rewards Card to show that EVERYTHING said Wyndham.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 Section 602, states that I have a right to privacy. 15 USC1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19958
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Back in 2021, I was buying flight tickets ( XXXX visit to my family in New Jersey ) with Frontier Airlines ; on the Frontier website there was advertised option to apply for Credit Card with Barclays ( with {$80.00} annual fee for benefits that included flight cancellation... ). I applied for the credit card with Barclays ( Frontier ) because of that benefit of flight cancelation insurance. Unfortunately, due to sickness, I had to cancel the flight tickets for which Frontier charged cancellations fees for 4 passengers ( my XXXX kids aged XXXX and XXXX, my pregnant wife, and myself ). Later on XXXX, I tried to file the claim with Barclays but I was directed XXXX to file the claim ( Claim # : XXXX ) where I provided all available information related to medical conditions, medical history, flight cancellation, itinerary, flight tickets ect. It took several months to process the claim and after those several months of asking for the determination, I was notified on XXXX that that my claim is denied because that assumed it was preexisting condition that caused the illness that resulted in flight cancellation. I have tried to ask for further explanation and review but all I get is Undeliverable email message form my claim examiner. I have cancelled this card as of today XXXX to avoid any further fees and I asked for the refund of those cancelled tickets but it was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33860
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was persuaded by a cashier from XXXX XXXX at XXXX XXXX on XX/XX/2022 during checkout that I was pre-approved for a Rewards Card and went on about the deals I could be getting. I initially said No, because I already assumed she is selling me a credit card, and that I opened enough credit accounts this year and I dont want to hurt my credit score. She then told me that since I was pre-approved, this wouldnt affect my credit score at all. I reiterated that back to her, and she said that this is a Rewards Card and you are pre-approved as I can see here, so dont worry about your credit score. I asked Are you sure this wouldnt affect my credit score? The cashier said Not at all. Then, a day after, all of the credit bureau informed of a credit score change and my credit score is down by XXXX points. I wish to dispute this, because this is plain false advertising, and I would like to see if I can settle this first without an attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
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: On XX/XX/2022, my husband and I met with XXXX and XXXX XXXX salespersons at XXXX XXXX XXXX, XXXX. We were taken advantage of, mistreated, lied to, coerced, and swindled by XXXX 's and XXXX XXXX 's salespeople. After 7 excruciating and exhausting hours, being physically moved to 3 different sales areas in the resort, and with 5 different salespersons that day, after we explained to every salesperson we met with that we were not in a place emotionally or financially to make a decision to purchase anything because of the loss of our 2-day old grandson just a month prior, we finally were broken down enough to agree to a purchase of the cheapest offer of the day. Regarding the contract we signed for the XXXX XXXX purchase, we were repeatedly assured that we were able to stay at XXXX XXXX anytime we wanted to for 100 years, the same as the XXXX membership ( which we said we could not afford ) would offer, but the less expensive XXXX XXXX package would allow us travel to other resorts and hotels as well. The salesman explained that the XXXX XXXX package would also include the bonuses of 1 free week staying at participating XXXX resorts as well as two free round trip airline tickets, and two resort weeks at XXXX XXXX XXXX. The XXXX XXXX salesman explained that we would receive more detailed information about our XXXX XXXX package and membership privileges within several days of purchase. On XX/XX/XXXX, I was told by a XXXX XXXX representative on the phone that we would be receiving login information to use to access the membership privileges on the XXXX XXXX website within a few days and then we would have access to the details of our package. Not until we filed a complaint with the XXXX XXXX XXXX, 3 months later, did we receive any information about how to log in to create an account and access information about our membership with XXXX XXXX XXXX XXXX In XX/XX/2022, we provided documentation to XXXX of the transaction between my wife and myself and XXXX XXXX XXXX XXXX, XXXX which was also provided to the XXXX. As noted in that documentation, the credit card company we used to pay for a portion of the vacation package determined the transaction fraudulent and refunded us the total charge of {$7700.00} paid to XXXX XXXX XXXX XXXX XXXX state they are retaining {$5000.00} of the {$12000.00}. paid by us on XX/XX/2022, as they claim this was an " initial membership participation fee '' which is non-refundable. Nowhere, in any of the paperwork we received regarding the transaction does it note that {$5000.00} of the total {$12000.00} charge is an " initial membership participation fee. '' In XXXX, we included the " XXXX XXXX Purchaser Acknowledgement '' form, the " Enrollment Application '', a " Payment Receipt XXXX '' and an " Authorized Initial Purchase Amount '' form for reference. Again, there was no mention of an " Initial Membership Participation Fee '' charge of {$5000.00} in any of that documentation. We received the " Authorized Initial Purchase Amount '' form from the XXXX credit card XXXX XXXX XXXX mail about 3 weeks after we purchased the vacation package on XX/XX/2022. This was after we notified XXXX and XXXX XXXX of our dissatisfaction of the purchase and our request for a refund. In this form " Your Rights If You Are Dissatisfied with Your Credit Card Purchases '' are noted. To exercise the right to not pay the remaining amount due on the purchase following trying in good faith to correct the problem with the merchant the following conditions must be true : 1. The purchase must have been made in your home state or within 100 miles of your current mailing address. 2. You must not yet have fully paid for the purchase. Since we purchased the vacation package while in XXXX, the purchase was not in our home state or within 100 miles of our address, and we did pay in full. We were never informed of these ridiculous conditions of our customer rights when we applied for the in-house financing ( XXXX XXXX credit card XXXX XXXX Nowhere in any of the documents provided to us by XXXX XXXX XXXX is there an explanation or description of an initial membership participation fee charge of {$12000.00} or {$5000.00}. The purchase price is noted as " enrollment cost '' on the " XXXX XXXX '' contract ( Number : XXXX ). The {$5000.00} charge on the XXXX credit card is noted as " Initial Purchase ''. The terms and conditions of the XXXX credit card were never provided to us at the time we applied for the card. We received a hard copy of the terms and conditions by mail several weeks after we applied for and paid XXXX XXXX {$5000.00} XXXX If we would have received the terms and conditions and been aware of the restrictions regarding being able to dispute charges only if charges were made in our home state or within 100 miles of our home address, we would certainly have not used that card for any part of the purchase. We believe this is part of the fraudulent, deceitful, and unethical business practices of XXXX XXXX XXXX XXXX We have been swindled out of {$5000.00} by XXXX XXXX XXXX and XXXX XXXX We have received no service or goods for the {$5000.00} charge on the XXXX credit card. XXXX XXXX and XXXX XXXX XXXX consider this case closed. We do not consider this case closed because the contract has been cancelled by XXXX or XXXX XXXX XXXX We will consider this case closed whenthe {$5000.00} charge ( and late fees ) on the XXXX credit card are removed. Moreover, when we received notification by letter in XX/XX/2022 that XXXX was investigating our complaint ( Case # XXXX ) regarding the transaction and charges, we contacted XXXX by XXXX. The representative we spoke with assured that the case was closed and the {$5000.00} initial charge as well as the late fees would all be reversed and our account with XXXX would be closed. We were shocked when we received a bill in XXXX for the {$5000.00} plus interest and late fees. XXXX XXXX XXXX XXXX XXXX provided a response to our complaint and disputed our accusation of fraudulent business practices. The XXXX provided documentation to us that XXXX XXXX did not respond to the complaint for fraudulent business practices. We have received no goods or services for the {$5000.00} charge on the XXXX credit card statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a payment months ago to payoff my gap card and then after received a bill for {$1.00}. I contacted the company and said my acct was paid in full and they said they would correct it and waive the fee. I trusted that they would do so but nope I get another bill next month and now they charged another {$1.00} for me not paying the {$1.00}. So I called again furious for something that shouldve been rectified already and wasnt. The representative assured me this would be corrected and I told her I was very upset and to close my account. The rep assured me and promised it was a mistake and lowered my interest for me to keep the card. So I said thats fine. One month past again and I get another bill again and nothing was fixed yet again and I called again and they were supposed to waive all these fees and close the account. I got the letter that the account was closed and now a couple weeks later I get another bill with more fees because the initial {$1.00} was never taken care of like they promised! Im on the phone w them yet again and waiting for a manager and on hold forever! Id like this taken care of and fixed like ur was supposed to be months ago. Honestly its about principal now this is absolutely ridiculous and I dont understand how this company gets away with this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Complaint BARCLAYS XXXX XXXX : BARCLAYS claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. I put BARCLAYS on notice. I gave BARCLAYS an OPPORTUNITY TO CURE. I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXX XXXX XXXX ' Trust, aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. BARCLAYS never gave, or offered, due interest to the XXXX XXXX, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). SECTION 2 : BARCLAYS has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. BARCLAYS admit that I am the original creditor and source of the credit being utilized. XXXX. BARCLAYS leave account # XXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 3. BARCLAYS reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). XXXX. BARCLAYS pay for all fees and fines associated with this matter. XXXX. BARCLAYS pays me {>= $1,000,000} in damages. XXXX. BARCLAYS is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My deceased ex wife had a Barclays card. Before her death, I was none the wiser. At the time of her death, the card appears on my credit report. I have pleaded with all 3 credit bureaus, Barclays, etc for 3 years to have this removed. No such luck. My credit went from above XXXX, to sub XXXX because of this. The banks treat me like a 3rd class citizen. For the record : I do not have a credit card, a loan other than my mortgage, or any other loans. Nobody will move on this case. I have tried everything. Recent Letter to Barclays : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Please Refer to Account : ( last four ) # Case # Barclays : ( XXXX ) XXXX Att : My name : Deceased Ex Wife : My credit report shows I am wrongfully on a Barclays credit card. Prior and after my divorce, my credit score was above XXXX. After the death of XXXX XXXX XXXX, my credit score sunk to sub XXXX. This is not my card. It belongs to a deceased ex-wife. For the record, not my card. I have been working on being removed for three years. I have had multiple promises from Barclays that I would be removed, none of my requests have been granted. For sure this is still on XXXX. My credit has been ruined from your card on my credit report. I have wasted hours, days, months, and now years arguing with person after person with Barclays. All to no avail. The Pain, suffering, and emotions distress that Barclays has caused me can not be described. I am requesting and demanding the removal of this card from my credit report. The 3 major credit bureaus have been contacted, and I have time after time been sent to Barclays. 1 : it was not on my credit score until the death of my ex-wife. 2 : It was not on my score when she was still living. - While we were married, divorced, or she was alive, I was not on this card. After her death, I am not responsible? 3 : I have never been sent a statement for this card. If I am on a card, or the card has a balance, how can I know without a bill or statement? Barclays did not seem interested in my credit report or the card being assigned to me until the time of her death. CC : FTC, the OCC, and the CFPB Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50014
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A