Date Received: 2022-10-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A card was applied for in my name on XXXX for Barclays XXXX I received the card in the mail. I contacted them and closed the account. All of the info matched but I did not apply for this card. I also received a notice that another card was attempted to be applied for from XXXX that a card was applied for on XX/XX/27 but was not approved because identifying information did not verify. The card from Barclays was a hard hit on my credit report. I have contacted XXXX and was told I had to send them a copy of the report from the Federal Trade Commission with my DL and SSN for the hard hit to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
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: XXXX made a purchase with the online company " lXXXX XXXX XXXX XXXX '' located in China. XXXX delivered to local post office with insufficient address merchandise returned back to merchant. XXXX consumer contacted merchant asking for a refund as the merchandise took too long to be delivered and the shipping address was entered correctly online as billing address had to be input. XXXX merchant stated they will re-ship to consumer but will need to pay shipping fee. XXXX consumer does not want merchandise and would prefer a refund. consumer does not hear back and decides to contact credit card company as this seems as it it may be a fraudulent sale. merchant does offer credit but this is after consumer had already contacted credit card company, then merchant denies credit. XXXX Barclays sends letter to consumer stating they need more information on case. The letter states that they tried contacting customer on specific dates, but customer has not voice mails or emails. The envelope is post dated XXXX. The letter states customer needs to respond within 10 calendar days or they can no longer pursue case. Customer calls Barclays and speaks to an agent they tell customer to send dispute letter with proof tickets and messages to Barclay and that the case will move forward. Customer sends letter and screen shots of all of these on XX/XX/2022. On XX/XX/2022 customer receives another letter stating credit card company will no longer help customer specifically stating '' we are outside the permitted timeframe to continue this claim through the dispute process ''. Customer makes multiple calls to Barclay, but unfortunately is treated with disrespect and unfairness Customer is hung up on multiple times and put on hold for over 45 minutes. Is also told no supervisor can help. On one occasion is told to contact the merchant. Customer had already attempted to contact the merchant. The merchant did respond stating they could not help due to the fact that the credit card company put a charge back on the sale. I have attached many documents related to this case. Even though this is not a substantial amount I do not feel a customer should have to pay for merchandise they never received. Credit card companies should protect their customers and Barclays is not working with me at all. At this point they are ignoring me completely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a XXXX XXXX XXXX XXXXXXXX currently administrated via Barclays. I have auto payment of my full statement balance set up for past several months, paid 1st of the month. On XX/XX/XXXX, my statement balance of {$4500.00} autopay was initiated, and successfully/confirmed processed by my bank on XX/XX/XXXX, first business day after XX/XX/XXXX. Barclays then processed the auto payment AGAIN, on XX/XX/XXXX ( not authorized, not imitated by me, the customer ) for another {$4500.00}. This overdrew my checking account from a different bank, to which my auto payment draws from, and, because I have overdraft protection on that checking account, it completely drained my linked savings account as wellso I was completely wiped out, financially, of all liquid funds from my primary banking institution. I contacted Barclays and they said they were investigating. That led me to speak to a supervisor, who noted that XXXX XXXX was aware and researching the issue, which was known to be widespread. I called my checking/savings account bank to put a stop payment against Barclays for XXXX charges and they noted they have been receiving calls all day from impacted customers. Researching online, Barclays appears to have done something similar in XXXX and perhaps again circa XXXX. I have had credit cards for 30 years and have never experienced anything like thisthe bank itself was who I wanted to report as having committed fraudulent activity on my account. They can say it was a technical glitch but that is not acceptable for repeat behavior by a massive banking enterprise ( or anyone! ) How many millions of dollars did they temporarily steal or rob people of access to? How many peripheral fees will customers have to incur and get stuck with as a result of another such mistake? How much time will consumers have to spend trying to talk to Barclays and their own financial institutions to recover those fees and be made whole again? Barclays should come with a warning label for potential customers to be made aware of. Occasionally we may pay ourselves twice using your money. In my case, and the case of approximately XXXX million+ customers, our Gap cards were moved from XXXXXXXX XXXX to Barclays through no choice of our own, so we got stuck with this company which seems to have issues handling money properlyand if you cant rely on a bank to do that one thing rightthey should not be permitted to operate as a bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was a customer of XXXX XXXX XXXX XXXX XXXX program, that automatically rolled over to Barclays XXXX XXXX XXXX XXXX in late XX/XX/2022. I received email notifications of this transfer, however I DID NOT RECEIVE MY NEW CARD, CARD MEMBER AGREEMENT, NOR ACCOUNT INFORMATION by the close of the new billing cycle on XX/XX/2022. I believe I was still able to access my account balance from Synchrony, and when I called Barclays, the tele-banker could inform me of my balance, however she could not accept payment via telephone, nor could I establish an account online without the full account number. As a result, no payment was made! I was assured REPEATEDLY that I would not be charged given I had not received my account information, and IN-FACT, my card was not supposed to necessarily have been received yet (! ), it was showing that the mailing window of 7-10 days had not yet been reached. When I was finally able to access my account, by late XXXX, there were, of course - LATE FEES AND INTEREST CHARGES. I contacted the bank, as there also appeared to be charges from unrecognizable vendors. By the time of my next statement ( XXXX ), no actions had been taken to resolve the original LATE FEES, nor interest charges, nor had there been any communications regarding the reversal, then re-charging of the questioned fraud I had reported. I wrote to the bank via their online messaging center, the issues were still not resolved, and I was told that because I had not made the payment by the due date ( no matter what had happened ) I would have to pay interest fees and late charges. By XXXX statement, I was fed up - I closed the account, reconciled the fraudulent charges myself, determined the balance less the late fees and interest, paid-in-full and am still waiting for the bank to reverse their charges due to THEIR ERRORS and FRAUD. Currently, my account is closed, all charges are paid - and now I am being charged interest only on ALL of the fees and interest DUE TO THEIR ERROR and inability to properly address the issues. PLEASE HELP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have never used this card or had it in my possession. I have no credit card statements or account numbers as this is a fraudulent opening of a credit card by a third party. The only information I have is from the email I received for an amount owed. Information below : Account ending in XXXX and Bank Address below : Barclays XXXX XXXX XXXX XXXX, PA XXXX or Barclays XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
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 purchased a XXXX XXXX ( operated by XXXX ), at a XXXX XXXX ( operated by XXXX ) for XXXX on XX/XX/2022. The card was activated properly at XXXX. However, the card itself was defective, and I could not access the funds on the card at all, or check its balance online, no matter what I tried. I tried getting a refund from XXXX, but they confirmed the card was activated properly and told me to get in touch with the card servicer directly. I entered a dialogue with XXXX the card servicer, but after much back and forth they flat-out refused to refund the card or issue a replacement, saying they did not sell cards at XXXX, an outright lie. Barclays was much more helpful, and issued a provisional credit and started an investigation after I opened a dispute. However, their initial investigation only dealt with XXXX XXXX who correctly provided documentation that the card was activated properly and that they do not issue refunds on gift cards under any circumstances. The Barclays representatives I spoke to understood that the problem was more complicated than this, and accepted new documentation from me on XX/XX/2022, a couple of days after their initial finding came in the mail. Unfortunately, Barclays posted the transaction to my account again after their initial finding, even though I provided their requested documentation and the representative told me explicitly the information I provided was enough to win the case. It has been more than two months since I provided more documentation, and the charge is still on my card, accumulating interest. The representatives don't have me any additional information whenever I call, besides a verbal confirmation that all my documents are in order and they don't need anything else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I received an e-mail from XXXX Bank telling me that my checking account was overdrawn by {$3900.00}. When I checked my account statement, it told me that Barclays had made two {$4700.00} debits for my XXXX credit card payment. I checked my Barclays account to confirm that I had scheduled only one payment. I called Barclays to ask what had happened and the customer service rep said that there had been a computer problem, they were looking into it, but that there was nothing they could do to return the money to XXXX. The second payment to Barclays was not authorized. XXXX tried to stop the payment and I have to call XXXX to find out if they could do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17011
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclays stole {$5100.00} from my checking account using ACH! Barclays autopay withdrew {$5100.00} on XXXX and again on XXXX, double the amount I owe. I called XXXX at XXXX and they tell me it is aware of the problem but can't tell me when I'll get my money back or when this problem will be fixed!!! Now my checking account is about to bounce! XXXX say there is NOTHING THEY CAN DO!!!! XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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 XXXX I OVER-PAID my Old Navy Credit Card account my {$58.00}. I contacted the company asking to receive a refund for the overpayment. They helped me and mailed me XXXX separate checks of {$29.00} each that I received in the next few weeks. So in XXXX my balance was XXXX dollars. Then the company refunded me {$58.00}. The next time I checked my account balance it stated that I OWED {$58.00}. I contacted the company immediately to point out the issue. I explained the situation and they immediately acknowledged that it was a mistake on their part. They assured me it would be resolved and my balance would be cleared to zero as it should be. They told me it would take a billing cycle to resolve. When I checked back in XXXX to confirm my balance was at XXXX, not only was it NOT at XXXX, they had charged me a LATE FEE. So now, they were saying I owed {$89.00}. I've contacted the company over XXXX times since then, waiting on hold each time. I've asked to speak to a supervisor numerous times and no one can ever put in me in touch with XXXX. Again I reached out in early XXXX. I finally got in touch with a supervisor who assured me this issue would be handled. And that again, I would have to wait to see the resolution on my account for a few weeks. It is now XX/XX/XXXX, my bill is due TOMORROW and I have again been charged fees and now owe a total of {$140.00}, ALL DUE TO A MISTAKE ON THEIR PART. I spent XXXX minutes on the phone today trying to resolve the issue again. Quite frankly, this is unexceptable and I want this issue resolved. I spoke with a woman named XXXX # XXXX who assured me that I supervisor would call me back, because after XXXX minutes no one was responding to her. The company recently switched over to Barclays for their credit card and since then, it has been an absolute nightmare. I feel horrible for the decent people who are just trying to do their job, but no one seems to have the authority to resolve this issue. And those who have said they are supervisors have not resolved this issue like they assured me they would. Now I am concerned that because of the late fees, this will be reported negatively on my credit.
Company Response:
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was out of town in an area with poor cell phone reception from XX/XX/XXXX to XX/XX/XXXX. I received a text on XX/XX/XXXX about a fraudulent charge for {$700.00} made on XX/XX/XXXX from Barclays, which I invalidated by texting back. I received the text a day later as I had no cell coverage on XX/XX/XXXX. I noticed a {$550.00} charge that was applied at XXXX XXXX in XXXX XXXX, and a chargeback of - {$550.00}. I informed Barclays that my card was stolen, promptly. However, the {$550.00} charge was applied again on XX/XX/XXXX. I did not receive a decision letter, until I asked for one to be sent in XXXX when I noticed the charge. I appealed the dispute. They claimed that since chip was used and the purchase was verbally confirmed my request was denied. I never came in possession of this card and was not notified that a card was sent. The individual who stole the card managed to activate the card and use it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A