Date Received: 2022-10-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a old navy card and they switched to barclays and started charging minimum fees if you did not use the card as soon as I noticed the small fee I called in to cancel the card and get the fee removed. I was reassured the account was closed and the fee was removed and the next month I got another email claiming my account was passed due. I called again and again the rep stated she would credit the fee and close the account. The 3rd month rolled around I got another notification and called again. Same thing, this time more minimum charges plus now late fees. Rep assured me she would handle it once and for all. I recieved a notification from the credit bureau the card was closed due to late payment they made derogatory remarks on my credit and they are still charging the minimum fees and late payments. I called AGAIN this is 5 months now. I spoke to a supervisor that had so much background noise now they are telling me I have to jump through hoops to get this removed. My husband and I are trying to buy a house. This BARCLAYS has made my credit drop down XXXX points!!! I just want this fixed. I don't know what else to do. I even offered on the 3rd month just to pay the XXXX XXXX minimum fee and move on but the rep said it wasn't necessary it was reimbursed and closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79416
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: 2022-10-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The credit card company stated they tried to withdraw the money for a payment on 4 occasions and the bank refused to pay ( insufficient funds ). The bank claims they never contacted them. I finally mailed a cashiers check to Barclay 's Bank which they received and cashed ( copy attached ) on XXXX XXXX. To date they have not credited my account. I have complained several times but their customer service only says they " will investigate ''. My credit rating has been affected by their sloppy practices. This has been going on since XX/XX/2022. See cashed check and reconcilliation attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Barclays # XXXX ..., Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Can not get access to online account due to trouble on Barclay 's end. I have been trying to gain access for XXXX months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Credit Card Issuer Bank : Barclays Bank Delaware Credit Card Type : AAdvantage Card On XX/XX/2022, I was charged for the INTEREST CHARGE-BALANCE T, but I paid off my balance before the statement 's due day. This fee is not reasonable because I've already paid off my balance, but still get charged!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is with regards to Barclays XXXX XXXX XXXX. They took over XXXX card in XX/XX/XXXX and notified customers that the previous online account will no longer be active and the new credit card will arrive in the mail by XXXX XX/XX/XXXX. I called Barclays customer care around the XX/XX/XXXX when I had not received the card and was not able to pay my outstanding bill of {$230.00} for purchases made. The customer service agent said the address they had on file was incorrect, an error made by Barclays during the transfer of account information. As a result I was unable to pay the bill on the due date of XX/XX/XXXX. During the call i requested the agent to waive the late payment charges incurred due to Barclays error with the mailing address. I received the card and made the full payment of {$230.00} on XX/XX/XXXX. I also called customer service again to request the waiver of the late payment charges of {$32.00} as of XX/XX/XXXX. He told me it was waived. I received another bill on XX/XX/XXXX of {$67.00} and I started receiving at least XXXX calls a week asking to pay the over due bill. I called customer service again to explain that the problem and request a waiver. The agent told me that there were no charges showing on my account. I decided to close my account on XX/XX/XXXX with Barclays and deactivate my XXXX card because of this nasty experience. I left a message on the site explaining the unfair charges and my reason for leaving. I received another bill on XX/XX/XXXX with an amount of {$110.00} after my account is closed. I wil not pay this because it has been unfairly charged and is nothing but a greedy and fraudulent technique of getting customers to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After initially crediting my credit card account for {$2600.00} on XX/XX/2022, based on a dispute I filed with a merchant, Barclays charged my account on XX/XX/2022, for the same amount. I later learned ( in correspondence by Barclays on XX/XX/2022 ) that this charge was based on the merchant providing screen shots of the terms and conditions that online applicants agree to by procuring their services through their website. The merchant also claimed that all services had been provided and the order was complete. The customer information in the screen shots was blank and the merchant provided no details regarding the services that I purchased, the manner in which I procured them, or the terms of the invoice that I was actually provided. The letter of XX/XX/2022, from Barclays stated that the reason for their decision was that " We were not provided with an itemized invoice/contract and/or a second opinion. '' Yet, on XX/XX/2022, I did, in fact, provide Barclays with the actual details regarding the services that I purchased, including the invoice and terms and conditions. Barclays never addressed the content of my letter, the fact that I had no direct agreement with the merchant ( they were a passthrough for the company that I did have an agreement with ), or the faulty documentation provided by the merchant. I attempted to address this in a reassertion of the claim to Barclays, but again, the dispute department failed to acknowledge my documentation or review the faulty documentation provided by the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After the 5th largest hurricane to hit the U.S. happened, I attempted to pay my XXXX card on line, but we didn't have power and it was dark. Stupidly, I continued. In error, I made a {$200.00} payment to my Old Navy MasterCard, currently serviced by Barclay 's Bank. The funds were sent via ACH to Barclays, received XXXX XXXX, and posted XXXX XXXX. It is important to note that there is no balance on this card, and hadn't been for some time. I called Barclays Bank on XX/XX/XXXX and XXXX, but was told I had to wait until the payment posted. Fair enough. I called today, the 6th, and confirmed my account now reflected a credit balance equal to my payment. I spoke to a representative and a supervisor to ask for my money back. I have now been told I can not even begin the refund process until XX/XX/XXXX, which will then take days to process, and then up to ten days mailing time. This is their priced to allow the payment " to clear. '' I explained it was an electronic payment, there is no clearing, and that they have the funds. I further explained my bank advised me that they can not recall the payment and referred me to Barclays Bank for a refund of this payment. I further advised that due to the hurricane, we really couldn't wait for our funds because cash had been used due to many merchants ' systems being unavailable after Ian. Having my money back might be the difference between out family eating next week or not - but even this did not move them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33603
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
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 problem is with the XXXX XXXX AAdvantage card administered by Barclays. I got a call from the credit card company on XX/XX/XXXX that questioned a charge from XX/XX/XXXX on our account ending in XXXX. We said it was improper charge. As a result they suggested we close that account and were told that we would be issued a new card that we would receive in 7 to 10 days. To date, we have NOT received that card. I went into my account online and found that there had been charges to the NEW ACCOUNT that APPARENTLY ending in XXXX. Again, I have not received a new card OR ACTIVATED IT but there were charges anyway. Among the charges was ANOTHER FRAUDULENT CHARGE BUT TO THE NEW CARD ( XXXX ). I HAVEN'T RECEIVED OR ACTIVATED THE XXXX CARD. HOW CAN THEY ACCEPT CHARGES TO THE NEW NUMBER WHEN IT HAS NOT BEEN RECEIVED OR ACTIVATED? The suspect charges had slightly different names but were for the same amount of {$120.00}. Clearly, both were from the same company in CA. I called Customer Service to dispute the latest charge of {$120.00}. She closed the XXXX card ending in XXXX that I had not even received let alone activated! However, in discussing the problem with Customer Service, I accidently found out that, upon closing the second card ( XXXX ) ANOTHER CARD WAS TAKEN OUT AND ACTIVATED ending in XXXX!!! WHAT KIND OF SECURITY IS THAT???? When I complained and asked to talk to a supervisor I was cut off. I went back into the website and IMMEDIATELY cancelled my account. THIS IS GROSS NEGLIGENCE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
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: Back in XX/XX/2022 my husband 's credit card was lost/stolen. I reported the fraudulent charges on the account. They started an investigation and I was credited for all these charges on the account. 3 months later in XX/XX/2022 the transactions re-posted on the account. I contacted them and they stated I needed additional documentation to support the fraud claim. I sent the Police Report, Fraud Affidavit form, Timestamps from my husbands job ( some transaction took place at hours my husband was at work ), Store/Merchant receipts ( went to some of the closer merchants and requested receipts ) and etc. I sent out these documents in XXXX ( via fax and mail ). I was told that the fraud case was denied because there were transactions months apart. I found out that a transaction made in the month of XX/XX/2022 ( which I didn't report as fraud was added to the fraud claim ). I told them to confirm and go back to the recording where I called to report the card as lost or stolen. They were able to verify that I didn't state this charge as fraud and took it off of the fraud claim. In XXXX I sent additional documents and never received a letter stating the status of the claim. I have only received calls from Customer Service stating that my account is past due and I have to make a payment. How I'm I going to pay for charges I didn't do? There is a total of 20 transactions ( highlighted in red in attachment provided ) for a total of roughly {$7000.00} dollars + interest charges and later fees. After several months and requesting a supervisor/manager call back today I was contacted by a Manager and was told this. It's a disgrace. They are still denying the fraud on the account and want for me to go to all the merchants and get a letter from them stating that my husband wasn't the one that made the charges. This is something that has been going out for months and still no resolution. I have already contacted a lawyer and want to proceed with legal actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A