Date Received: 2024-03-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: 1. I've been trying to close the card for over a month, but they refuse to close it. I did this via phone first. Later found it was still open, so I submitted a request online to close it. They responded with other info and said they wouldn't close it unless I confirmed. I sent another message to confirm, then they sent another message asking if I wanted to close it, .... 2. I've been trying to close it because I never received the miles I was promised when I signed up for the card. They claim they put the miles into another account, and I've spent hours trying to get them into my account and finally given up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I Saw this on my XXXX XXXX app a couple of weeks ago. There is a balance of {$860.00} on my credit from Barclay Bank of Delaware. I called them and they said that this is a charge card that was opened in XX/XX/2023. I told them that it's not mine. They told me that they would note this on their end. They advised me to file a dispute with the XXXX credit bureaus. I did this. Now I just received correspondence in the mail stating that this appears to be legit. I'm still stating that this charge card, balance, whatever is not mine. I also wanted to note : I've never received a bill, credit card, nothing. As I stated, I saw it on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
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 made XXXX purchases for security cameras from XXXX : XX/XX/24 for {$430.00} XX/XX/24 for {$430.00} I returned these cameras because they were obviously used. Initially XXXX was not issuing a credit, despite my attempts to resolve the issue with them. Next I disputed these transactions with my credit card company ( Barclays ). XXXX issued a credit for the XX/XX/24 purchase on XX/XX/24. They did not issue a credit for the XX/XX/24 purchase. On XX/XX/24 I received an email from XXXX stating they would tell Barclays to resolve the chargeback for the XX/XX/24 purchase in my favor. Instead Barclays decided that case in XXXXXXXX XXXX favor, and refused to issue the credit. XXXX will not issue a credit, because they honored the chargeback, and told Barclays to resolve it in my favor. Instead Barclays decided it in XXXXXXXX XXXX favor. So I am not getting the credit, in spite of XXXX agreeing I am entitled to XXXX. I have spent hours on the phone with Barclays to get them to issue the credit on the chargeback. The representative had me on a XXXX way call with XXXX, asking XXXX to issue a credit. XXXX told her they honored the chargeback, so they will not issue a credit. The credit has to come from Barclays. I have asked multiple times to speak with a supervisor. That request was denied. They claim they will have a supervisor call me back. They either don't call, or they aren't there when I answer the phone ( on the XXXX phone call I received from them ). As I am writing this I am on hold with Barclays to get this resolved. FINALLY I got a supervisor. She has promised me the credit. With the run around and incompetence I have endured, I am not confident that I will get the credit. This has been promised to me multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have Frontier Airlines and a JetBlue credit card through the credit company Barclays. Both cards have raised rates without claiming they are linked to the prime rate. The current prime rate sits at 5.5 % and the cards are charging 29.99 %, in excess of New York State usury laws ( PL XXXX ) of 25 % How can a company get away with charging 24.49 % over the prime rate? Add to this the fact that they add fees and this puts the actual amount charged over 30 %. which violated Delaware State Law How can the federal government allow interest rates like this across state lines? And the Frontier card recalculated the way their bonus program works, causing me to lose my flight benefits. The interest rates these companies are allowed to charge are simply to high and the pressure to pay these exorbitant rates creates a condition of compulsory service against my will with threats of legal coercion, thereby violating U.S. Code Title 18, Section 1584, Part I, Chapter 77. When I called to lower the interest rate and negotiate, they just said it was tied to the prime rate and there was nothing they could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11772
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I submitted XXXX separate payments via check to my Barclay Old Navy Card and Barclay MasterCard in XX/XX/2022. Those checks were IMMEDIATELY cashed by Barclay, but never deposited. I have been fighting with them tirelessly and sending copies of the cashed checks for 16 months as proof that these payments were made, meanwhile still paying on both of these cards. Nearly 16 months and they just did not care that the checks were cashed and never applied. I have spent hundreds of hours on the phone with their customer service and typing out messages and I have gotten absolutely nowhere. After nearly XXXX months of waiting, the payments were applied but incorrectly. Barclay applied BOTH payments to my Old Navy Account, despite them both being labeled with account numbers and account names. So again, I resolved to contact Barclay to fix the issue, apply the payments correctly, and refund me all interest that has been collected on the XXXX account since the day they received payment. They have talked me in circles and refuse to fix this mess. They will not apply the payment correctly and they will not refund me the interest that we have paid. We are an active-duty military family with SCRA protection on our accounts ( that they have also failed to apply to the XXXX account ), and this has been the most frustrating experience I have ever had. PLEASE if you can help them apply the payment correctly ( from the Old Navy account TO the XXXX account ) and also refund the interest and overpayments on the XXXX account, I would appreciate it greatly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
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: In XX/XX/2023 I received a call from Barclays indicating suspicious activity in my credit card account ending XXXX. I confirmed I did not make the transaction and agreed to have a new credit card issued. Barclays issued a new credit card ending XXXX and a provisional credit to my account for the disputed amount of {$71.00} while the activity was investigated. In XX/XX/2023, the disputed amount of {$71.00} was placed back to my account. I contacted Barclays who indicated that the investigation was concluded and I will receive a letter. No information regarding the investigation was provided bythe customer service representative. Barclays letter dated XX/XX/2023 reads as follows : We have completed our investigation and have determined the activity is valid based on documentation provided by the merchant. As these transactions are valid the provisional credit has been reversed and the amount owned has been placed back on your account. Unfortunately, Barclays failed to include copies of the documents provided by the merchant, therefore I do not have any evidence of this investigation. I do have a name, address, purchased item, or phone number of this merchant or whoever committed fraudulent activity. I have been sending numerous letters to Barclays requesting copies of the documents XXXX provided. As of this date, I havent receive the requested information from Barclays. Just the same response. I look forward to your reply and a resolution to have Barclays remove the fraudulent credit card charges from my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a credit card in XXXX of 2023. I was promised a physical card in the mail but I still have yet to receive a card. I have no access to use this credit and have not made any purchases except the initial purchase made when I applied for it at Old Navy. I had called them previously to ask on status and it seems that they blew me off on getting me the card but have no problem calling me about interest payments, which is unfathomable considering I cant even use the XXXX card anyway. What is going on here?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: The USPS, XXXX XXXX and Barclays Bank are reputable companies and hold some responsibility to prevent this scam! - I have the original letter w/Barclays letterhead but was unable to submit @ this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2024-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2023 I file Fraud Claim. After speaking with the Fraud Dept. I realized the charge was valid and remitted payment for the charge, Barclay 's agreed to credit all late fees and interest charged as a result which would bring my account current. After several calls over the next two months to clear the interest and late fees charged, I called to inform Barclay 's I would not be using their card during XXXX because of the lack of customer service in relation to the interest and late fee. I was told that the charges would be cleared and in appreciation of my patience a offer of interest rate of 3.99 % for all charges through XXXX. After paying the full balance of purchase made. I continued to be charged a minimum interest which when not compounds a late fee. Over and Over this occurred. What I tried to explain is that the information on my bill states : " you can avoid interest paying interest if you pay your purchases subject to interest in full by the due date. ' This is standard, However, there appears to be a glitch in Barclays system where interest continues to accrue after the due date ( and a minimum interest charge as well ). Therefore, charges mount up continuously. I have taken 10 hours of my time and filed an official claim with Barclay 's to no avail. Now I wonder how many other people just pay and do not notice the excessive charges. I would to know that will be investigated. So that no one else is experiencing the difficultty I have endured.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have called multiple times regarding unauthorized inquiry from XXXX. I have not applied for credit and did not authorize this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2024-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A