Date Received: 2022-10-01
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX and again on XX/XX/XXXX, I asked Barclays to close my credit card account ( XXXX XXXX ). Note that I had previously paid my account in full and there was no outstanding balance at this time. My instructions were submitted to Barclays using their own proprietary email system. Screen shots attached. During XX/XX/XXXX, having failed to close my account as I requested, Barclays billed me a {$99.00} annual fee. I contacted them again on XX/XX/XXXX and told them that they had ignored my XXXX previous attempts to close my account and again ( yet again ) asked them to close my account. Today I received a letter from them dated XX/XX/XXXX stating that my account had been closed, but the {$99.00} fee is still in dispute status and asking me to pay this amount. I believe that Barclays deliberately make it as difficult as possible to close an account with them, so that they can continue to charge an annual fee. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I paid my consumer credit card bill in full on the date due. They sent me a statement with a balance for interest. When I called them I was advised even though payment was received on the due date my payment didn't post until the following day. I questioned this and they waived the interest charges, but in my mind this deceptive business practices as if I would not have known to check further and question it I would have been responsible for interest I technically did not know. How many people are getting stuck this way? Shameful this company operates this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
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/XXXX we purchased a service for pest control. But the company XXXX failed to contain the pest. We contacted XXXX several times over a three months period To have this issue resolved. But the company failed to show up in our house and complete the job. In addition to that XXXX also placed Unauthorized charge on XX/XX/XXXX. Before the first payment expired. We called XXXX And told them we did not recognize the transactions and we demanded A refund. XXXX was unwilling to refund the money or complete the job. As a result we disputed both transactions with Barclays. Also Barclays refused to credit the account and concluded that the merchant did not violate their agreement. While the fact is they have violated the agreement and also committed a fraud. Then we filed a complaint with the XXXX XXXX XXXX XXXX. After that XXXX refunded both the transaction back to the card. On the other hand Barclays refused to return the Money back to the original payment method or to send us a check. Then we filed a complaint with consumer financial protection bureau CFPB Against Barclays and demanded they return the money back to us. But instead of sending the money back to the original method of payment or sending a check to the address we provided they only responded with a letter That explains they have refunded the money. On the ground we have not received Our Money like they claimed on the letter. In XX/XX/XXXX I made Barclays aware Of the interest rate that They will incur Because of holding my money from most important life situations that I was facing. And by holding my dearly needed Money from use Barclays agreed to pay the interest rate of 9,900,000 %. Now I will like to collect all of my money with the interest rate Accumulated since the date of the closure of the account. Which is XX/XX/XXXX. If I do not receive my money within a reasonable time frame the consequences will be further more costly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was called by my bank indicating my credit score dropped drastically. Barclays Bank charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. One customer service person said I owed {$89.00} since last XXXX. The supervisor said it was due XX/XX/XXXX. I was never notified instead they reported me late. They would not reverse the charge unless I closed the account. They need to remove any late dings to my report at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received several 0 % promotional APR emails from XXXX XXXX Barclay Card ( screenshots attached ). On XX/XX/XXXX, I contacted Barclay to activate this offer and request a new card be mailed to me with expedited speed. When I did not receive the card within the expedited time frame, I contacted them again on XX/XX/XXXX and found at they had not annotated the requested expedited time frame in my notes and had to generate a new request. There was also a third call required before I finally received my card but I do not remember the dates and details of this call ( I do know it occurred prior to XX/XX/XXXX ). While trying to resolve this matter, I found out that they did not even have records of all conversations I had with representatives. Although I did receive my card, I furnish this explanation as an example that they inadequately annotated my calls. During my numerous calls to Barclay, I also confirmed that the 0 % promotional APR had been applied and was told it had been. Having confirmed that this promotional period was applied, I made a {$3100.00} charge on XX/XX/XXXX. There was also a " fast card fee '' - the fee for activating the promotional offer charged to my account on XX/XX/XXXX. When I logged into my account to begin prompt payments on this amount, I was only presented with the option to pay the minimum balance or the entire statement balance. I contacted Barclay about this on XX/XX/XXXX and was told that I am not currently being charged interest on {$3100.00} but they had no record of a promotional offer applied to my account. They were unable to give me a timeframe of how long I would not be charged interest on this amount or let me know the required date by which it would need to be paid in full. I asked to speak to a supervisor about this and was told it was not possible ( really? no supervisor on duty? ). A complaint was filed asking for a supervisor to call me and help me resolve the matter further. However, I am a doctor and not able to receive calls during most business hours. Furthermore, my phone screens calls from unknown numbers. I asked if I could be provided with a contact number ( or other contact info ) in case I missed the call and was denied. I am concerned regarding a number of outcomes : my interaction with Barclay has demonstrated that they do not adequately annotate their calls and I have concern that they may not have noted their verbal confirmation of my promotional offer. I am also concerned I will not be able to get in touch with a supervisor to resolve this issue. I am further concerned that I will be charged interest due to inaccurate application of the promotional offer on my account, inaccuracy in reporting information to me about the status of this offer, and/or their inability to tell me when the balance must be paid under my promotional terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95746
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclay XXXX XXXX is charging for purchases that i did not make or agree too. They have also contacted the Credit Reporting Companies and Lowered my Credit Rating, which is very Injurious to my Financial Ability
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: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I requested that my account be closed on XX/XX/31. I was shock to discover today that my account is still open. Now I am being told that in order to close the account I need the last XXXX numbers of the credit card. I destroyed the card on XX/XX/31 immediately after getting off the phone with XXXX because I assumed that my account would be closed, so I don't have that information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My JetBlue credit card issued a refund of {$23000.00} on XX/XX/XXXX. The check was valid for 90 days. I was in XXXX from the end of XXXX to XX/XX/XXXX so by the time I got back and discovered the check it was past the 90 days. The next day I called the credit card company and notified them and was told that they would reissue the check. On XX/XX/XXXX I called the CC company again to find out the status if the reissued check. I was given a complaint code XXXX. The following day I recieved a copy of the check issued on XX/XX/XXXX. I don't know why they sent it since I never disputed that the check was recieved. The issue is that I by the time I got the check it was invalid so I would not even attempt to cash it. I am hoping that you can get JetBlue to reissue my check. Also I have closed my account with them. I have given up on trying to access my account on line. I want my bill MAILED to me as I understand that I have a final payment for them of over {$1.00} XXXX, but not as much as they owe me. I don't intend to pay this bill until I get my refund, and I'm not expecting to pay any late fees due to them holding up my refund because that would just be totally unfair. Thank you for your time and assistance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: This is the timeline of the botched transaction from my XXXX XXXX to Barclays. during this time, my credit score dropped from the high XXXX to the low XXXX. XXXX - Begin hearing about XXXX transitioning from XXXX to Barclays. XX/XX/XXXX - Last automatic payment of full balance to XXXX XXXX Was Notified they were switching over to Barclays. XXXX - Notified that a new Barclays credit card was getting mailed out. This card was never received Called Barclays and requested a new card be sent out. Barclays refuses to use my last name of XXXX and insists on using my maiden name of XXXX unless I send a copy of my marriage certificate. Gap had been using my last name of XXXX since I got married in XXXX. I told Barclays to close my account. XXXX - I never received any new Barclays card. They insisted they had mailed two out. Begin to see negative impacts on my credit score, but never received any statements from Barclays and was never given any information on how to pay online. I again asked them to close my account and requested they mail out a paper statement. Called Barclays again and asked them to mail out my final statement. Still no final bill sent. Call Barclays again ( for the third time ) to ask for the final bill. I told the XXXX I would be mailing a check in to pay the amount in full, minus late fees and interest charges. XXXX - I finally received the final bill. XX/XX/XXXX - Mail check # XXXX for the full amount, minus interest and late fees. XX/XX/XXXX - Check for {$2300.00} is cashed by Barclays. XXXX - Call Barclays and talked to a customer service rep who let me know that they did receive the check and my account had a {$0.00} balance. I thought everything was revolved. XX/XX/XXXX - Credit monitoring shows Barclays has marked the account as more than 60 days delinquent. Call Barclays again, asking to confirm payment, and close the issue, and fix the credit reporting issue. They claim they cant find the payment, despite my bank showing the check was cashed by Barclays on XX/XX/XXXX. Still calling me by my maiden name of XXXX. XXXX is investigating this, but says it wont be resolved for 30-45 days. XXXX ID # XXXX At this point, it has been almost 4 months of trouble and this has ruined my credit score. Another 30-45 days of this is unacceptable. My account has been pain in full. I would just like this issue to be closed and my credit score restored.
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: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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 am lodging this complaint against Barclay 's Bank of Delaware, XXXX XXXX, XXXX, XXXX, and company CEO XXXX XXXX XXXX XXXX On XX/XX/2022 a charge of {$90.00} was made to my Juniper Credit Card by a merchant under the name of XXXX, a bowling alley/lounge in XXXX XXXX XXXXXXXX XXXX NY. I have never done business with this merchant, and I was not in the New York area when the charge was incurred. I reported the charge as fraudulent and asked to have it removed. I received a letter from Barclay 's dated XX/XX/2022 indicating that the charge would be investigated and removed within two billing cycles if found to be fraudulent. After two billing cycles had passed, I contacted Barclay 's again by phone and asked why the charge had not been removed. They responded by claiming that the charge was based on a card imprint, proving in their view that it was legitimate. My card had not been out of my possession, and any imprint would have had to have been made using a counterfeit card. I made this point to them, but they still refused to remove the charge, insisting that it was valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A