Date Received: 2022-10-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclays Bank, without prior notice, closed my XXXX credit card. They say they closed my account because of inactivity ( See attached letter ). The decrease in the amount of credit available to me will cause a decrease in my credit score. Also the loss of the credit line, which I've had for many years, will also cause a decrease in my credit score. As a result of this precipitous action, Barclays Bank is negatively affecting my credit rating and ability to get credit in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: the dispute is with barclays bank / jetblue mastercard wants to bill us twice for a trip i took with my husband. There was an error on the original bookingh it never went thru and i never recieved confirmation email or authorized payment. I booked the same day the trip we wanted and recieved confirmation and payment was made on arrival at the hotel we were staying in we were informed that there were two reservations for rooms with another confirmation number. I then checked jetblue and they had booked 4 plane tickets and two hotel rooms to my name. As it was impossible for my husband and i to use up 4 seats on the plane and two hotel rooms when there are only two of us. I asked jetblue for proof that we had used up 4 seats and 2 hotel rooms and the only thing they sent us was proof of the 2 seats and 1 hotel room we used which i paid for.This has been going on back and forth since XXXX and i refuse to pay for a reservation that i did not authorize or use because of a computer error there system error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2022, I got notified by my XXXX XXXX card that my XXXX XXXX had dropped significantly due to a late payment. After further investigation, I found that my GAP card was the issue. I called the number on the back of my card and it routed me to Barclay ( with whom I had never had any interaction ). Barclay had trouble finding my account because my GAP card number had changed - without my knowledge. A representative from Barclay told me that they had mailed me several notices that they were now the administrator of GAP credit cards. I explained to them that I had elected to have all of my GAP correspondence be electronic as I travel 90 % of the time for work ( GAP also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. Barclay stated that they only notified card holders via regular mail. When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my GAP account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to Barclay, even though I had no knowledge of the change. If GAP wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. I paid the account in full, and closed the account. I am formally requesting that the late payment report from GAP/BARCLAY to alXXXX XXXX credit agencies be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX replaced their old credit card servicer with Barclays Bank. I received my new card in XX/XX/XXXX. I hadn't received a XXXX bill for several months prior to that. I received my first XXXX Barclays statements at the beginning of XX/XX/XXXX ( period XXXX ) At that time I called and requested the fees and interest be removed because I hadn't received a statement in several months. I was told the amount would be {$350.00} which I promptly paid on XX/XX/XXXX. I received my next statement and it still had the original balance ( with fees and interest ) and new fees and interest. My payment had not been credited. I spoke with the credit card company again ( Barclays ) and explained that I had paid and not only shouldn't there be a balance but also should not have fees and interest because it was paid. I then submitted another payment on XX/XX/XXXX through my bank XXXX for the amount of {$350.00} ( the original charges minus fees and interest since I shouldn't have any ) .I now have a balance which quite frankly I'm not sure what component are fees and interest ( which I shouldn't have any because 1. I didn't receive a statement for several months when they were in transition and 2. I paid immediately the first bill I received when the new bank told over XXXX credit card. I Now have a balance {$490.00} which again, I'm not sure how they got this balance especially since I paid twice I should have a credit. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33432
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Getting double charged on interest XXXX XXXX bought over GAP CREDIT CARD my previous balance on XXXX Gap Credit Card ACCOUNT & my current charges which stands for ( PB past charges or PIOR BALANCE ) on my old Gap Credit Card Account interest then XXXX Bank combine the interests with the current interest XXXX XXXX XXXX XXXX ) of XXXX interest charges consider the current use of GAP CREDIT CARD! on my credit card! I am getting charged double interest : 1. ) PU Stands for current purchase 2. ) PB stands for previous balance from my XXXX GAP CREDIT CARD merge credit card when XXXX Bank bought this card company over XXXX getting double interest charge!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of fraud pursuant to 15 usc 1601 and 15 usc 1692. I have been misrepresented in matters stemming to damages from XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX ; XXXX, Michigan XXXX they have placed an unauthorized inquiry on my XXXX credit report I would like them to contact the bureau to have it removed effectively immediately and cease communications on behalf because they do not have permission nor have they ever and as for Barclays Bank Delaware the same federal law is applicable as well as the instructions to remove the inquiry with the credit bureau and cease communications on my behalf their mailing address is XXXX XXXX XXXX XXXX, DE XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi, These company 's are showing late payments on my account that should not be there. I've called them several times and they have refused to update the information. I am in the process of buying a home and I can not have this on my account for another second. Please see the information below and have them update it. BARCLAYS BANK DELAWARE XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX Late Payment XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My XXXX XXXX has a fraud transaction and I called them 5 times try to report the fraud. Every time the staff were saying previous staff didn't mark it correctly and they will remark it as fraud. But it's been 5 months and no investigation going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98155
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
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 I notified my credit card that I had unrecognized charges on my account and filed a dispute. On XX/XX/2022 they notified me by mail that one of the charges was valid and that the provisional credit they'd issued to me had been reversed. The charge was in the amount {$610.00} for transaction XXXX which was charged on XX/XX/2022. I did not make this purchase but am being charged the full amount plus interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2022, my credit limit was changed to {$1200.00} ; however, before this change my credit limit was {$1500.00}. On XX/XX/2022, my current balance was {$1300.00} and I made a {$100.00} payment. Then, I made a {$310.00} payment on XX/XX/2022. On XX/XX/2022, my available credit was at {$500.00}. Abruptly, the current balance changed to {$990.00} and my available credit went to {$200.00}. On XX/XX/2022, I called to get some clarity about this and was told my credit limit was reduced to {$1200.00}. Since, my credit limit dropped to {$1200.00} and my credit limit was at {$1200.00} at the time. I was over my credit limit. The {$310.00} that I sent went towards the XXXX. Barclays representative said I was over my credit limit. The reason I was over my credit limit is because Barclays dropped my credit limit under my credit limit even though Barclays knew the new credit limit would put me over the credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53511
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A