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: Barclays is not resolving my dispute and not being responsible. I am XXXX XXXX XXXX, have a XXXX score of XXXX and have never done a chargeback with Barclays. Here is what happened : I paid XXXX ( XXXX ) XXXX ( online video and animation service ) {$6200.00} between XX/XX/XXXX to XX/XX/XXXX. I paid another {$1400.00} between XX/XX/XXXX to XX/XX/XXXX. Total {$8000.00}. The merchant would not do work unless prepaid. All work was part of a Phase 1 campaign due the first week in XXXX XXXX - invoices document most detail clearly. I have a signed document from XXXX as part of a campaign rollout for a project that was to include XXXX characters, segments, XXXX wife XXXX, etc. Again, the invoices and emails, support chats and all I provided to Barclays lays it all out and is clear. XXXX and rigging animation services are expensive and also require significant time ( so I trusted the merchant and used XXXX as a layer of protection from a previous experience with a service, unrelated ). Online they claim to work with XXXX, XXXX XXXX large companies and they told me they have a studio that works with XXXX. The signed XXXX I got from them says they have 11 years of experience, 825 clients, 59 employees, and completed 3,288 projects. They are located in XXXX, allegedly. I am in Oregon. XXXX did not deliver any of the 3-D promised projects ( animated video ) or anything in time for our agreed deadlines. Bottom line, XXXX never delivered the entire Phase 1 marketing as agreed. There was some initial turnover in staff at XXXX ( they said promotions ), so I gave them the benefit of the doubt to continue as I needed the Phase1 asap and too far in to stop and find another service. Finally, after only getting two complimentary '' XXXX videos where I provided voiceover and all video at my expense, I could not wait any longer. This is an excerpt from the SIGNED Phase 1 proposal text from XXXX XXXX XXXX to me : Our phase 1 strategy will lay our foundation to build out phase 2 in a rapid and focused manner. We will never sacrifice quality in return to release something that does not meet our high standards. With that in mind, we anticipated having a rollout of phase one in the first week of XXXX. We talk to XXXX multiple times every day, so we are working hard to get this phase one done. We look forward to earning your trust, not by words but by results. Let 's light this rocket together! Here is the online chat with the COO XXXX XXXX ( my very first contact in XX/XX/XXXX ) of XXXX who signed the doc for a XXXX delivery ( given to Barclays as well ) : Visitor XXXX ( XX/XX/XXXX ) *online-chat* I can not get ahold of anyone XXXX - remember all the calls- I have paid, nothing done, now on the verge of getting fired. We have time to salvage, but need to talk asap - no one reponds to me at all. What is happening? I did not do anything wrong, just keep paying- I am reasonable, you know my XXXX- please call me asap ( XXXX ) XXXX XXXX Can I fly down tomorrow to meet you? ( XXXX ) XXXX XXXX Seems like you guys no longer care about me... we were best of friends when I started ( XXXX ) XXXX XXXX I paid all bills - immediately ( XXXX ) XXXX XXXX from my own pocket ( XXXX ) *** XXXX XXXX left the chat *** ( XXXX ) XXXX XXXX what? ( XXXX ) XXXX XXXX you just left? ( XXXX ) XXXX XXXX you told me I could trust you XXXX XXXX, here is part of the email I sent to XXXX from XX/XX/XXXX : From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Subject : proposal - please reply asap Hi XXXX XXXX I have tried repeatedly to make contact to no avail. We really have 2 options at this point. One simply refund all monies. I have lost status with my group and have vouched for you beyond your understanding based on our conversations. I am the same guy never hard to communicate with. Two Into small chance we want to work on healing our relationship and retaining me as a client quietly, I recommend we complete some baseline Annex work and eliminate half the paid order. This gives you an out. I need the XXXX and XXXX cadet content as listed below : 1. I am assigned a PM who is not new 2. You explain to me in detail what happened so we both understand and can build trust I am willing to work past if I know real truth, even if bad. 3. I have access to the creative team instead of a constant back and forth filter it would save us all time. Ultimately, nothing changed and I lost my job and salary as I was not able to deliver and a {$10000.00} bonus just for context. My main contact kept changing from XXXX, to XXXX to a new guy named XXXX. XXXX sent some 3D drafts and I was encouraged to continue. Then they all disappeared- XXXX, XXXX and XXXX along with the XXXX XXXX whom I spoke to initially as well. After several calls, I was told verbally by the project manager that all of those workers as well as the CEO ( XXXX who also talked to me at the beginning ) were gone : fired for fraud. So I was not going to get anything delivered unless new people started over. Who would reasonably continue? At this point, they assured me verbally that they would refund my money call my bank and they would handle. Apparently, that was also a lie. Barclays told me that the merchant delivered work. I assume they mean the two complimentary videos? There was not one 3-D item completed and what I paid for as Phase 1 due in XXXX never arrived. Not one thing and I can detail as shown in invoices and in emails. I lost my job over this. Now Barclays is denying a refund, claiming several things : XXXX. Barclays first sent a letter that they investigated and they say the merchant says they delivered how? I can not prove that something didnt happen The FTC states I am not required to prove innocent I simply want them to refund they did not do anything. Put my payment history, credit and the ridiculous amount of work and hoops I am doing here against their actions it is unfair. 2. I called the Barclays XXXX office. XXXX there said they would look into it. No updates. 3. Today I get a letter Despite our best efforts, we were unable to obtain a credit for you from the merchants bank, and we must now consider the matter closed. How is that even my fault? I used XXXX and Barclays for the added layer of protection isnt that part of the 25 % interest and fees this card charges. I have XXXX power in this relationship and it is so wrong. My balance with Barclays would be a credit after this refund but now I owe all this for no delivery and lost my job?? XXXX appears to be straight up scammers. No one has looked at the correspondence and contact me in detail. I offered to travel - who does this when they are at fault? I reported to Barclays as soon as I saw the issue after asking for a refund from the merchant to no avail. Their entire team at XXXX working with me vanished. Again, per my last contact, I was told they would refund the money, just call the credit card company, they will not dispute. They said that they fired all my contacts for fraud as I asked over and over where everyone is They also said they would give me 50 % off next project if I had one. No ne would trust that. Bottom line, they took my money, delivered unusable content as drafts and then their team left. They missed every deadline and simply did not deliver on promises work gave me a complimentary 2-D 60 sec video 2x that was it. 100 % theft and Barclays has a fiduciary responsibility to me to refund for fraud. I have all documentation that a reasonable person can review. Is this what thew FTC and CFPB envisioned for consumer rights? I will visit whatever local office or travel to resolve this if you need me to do so. I can not afford to be swindled out of {$8000.00}. Barclays is trying to stall me so I go away, in my opinion. I will be contacting my State senator next. Then proceed based on advice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97321
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was closed and paid in full but showing as a collections account on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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 checked my credit score and noticed my credit score went down. I looked further and found credit card was open with Barclays Bank Delaware. More than {$2000.00} was charged to the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
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 have been charged {$130.00} plus late fees and interest for a fraudulent purchase supposedly made by me on XX/XX/2022 for XXXX XXXX XXXX in XXXX, AZ. I have complained to the credit card company about this in z XXXX, XXXX, XXXX and XXXX. This has not been resolved and they continue to bill me for the fraudulent purchase plus late fees and interest. Even a simple XXXX search shows that the XXXX XXXX XXXX does not exist and others are also complaining about being charged for this non-event.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
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: 2022-09-28
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: We started our vacation from Connecticut to Florida on XX/XX/2021. On the way down we knew we would stop somewhere, so we opted to stay at the XXXX XXXX XXXX ( dog friendly ), South Carolina. We had dinner at the hotel, {$110.00} on the statement. The next morning we decided to spend one more night at the hotel. I went to the front desk to make the reservation, {$410.00} on statement. We left on XX/XX/XXXX to arrive at our hotel in XXXX, Florida. When I received my statement from XXXX XXXX XXXX XXXX, there was a new charge to XXXX XXXX XXXX for {$2300.00}, with XX/XX/XXXX as the transaction day. I called the hotel to say the charge wasnt mine, they said I had to take it up with the Credit Card Company. I asked the name of the person that stayed in the room and they gave it to me. I did not recognize the name. I called the XXXX XXXX to say the charge wasnt mine. They reversed the charges, only to reinstate them a few days later. I called to ask what happened and they told me that the hotel had my signature on file. I told them that was impossible as I was already in Florida. I did not lose the card as it is still in my posession. Barclays sent me a letter on XX/XX/2021 requesting to call after they say they tried to call us several times without leaving messages. I called and they request proof of me not being at the hotel. I called the XXXX XXXX XXXX XXXX XXXX, XXXX, to request a detailed invoice to prove I stayed there from XX/XX/XXXX to XX/XX/XXXX. They emailed me the receipt. On XX/XX/2021, I sent Barclays a letter explaining everything with the receipt from the XXXX XXXX XXXX. I was expecting to hear from them soon after that. They claim they called, but there are too many scam calls to pay attention to unknown numbers. And there were still no messages. Both my ex-wife and I, have tried a few times to call Barclays to resolve the issue, sometimes spending hours at a time on the phone repeating SSN, phone number, date of birth more than 100 times only to be hung up on, put on hold indefinitely, switched from the fraud department to the dispute department, and vise versa several times, told that supervisors were too busy to help us, but never getting a straight answer as to what was happening with the issue. When I called to ask what happened to the case with the evidence, the person on the phone tells me that they did get the letter and the receipt but nobody has looked at it yet. I feel that Barclays is dragging their feet in the hope that I will just give up. I cant believe a big company such as Barclays can not recognize theyre in the wrong in a timely fashion. They have cost me money in interest charges and caused damage to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Noticed a hard inquiry first from a XXXXXXXX XXXX, and within one month, another hard inquiry from XXXX XXXX XXXX, and just yesterday, another hard inquiry from Barclays bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Barclays recently canceled my Frontier Credit Card. They have given me three different reasons for doing so. When I first called them to inquire about it I was told that I didn't pay the annual fee. I told them that I never received any notice that I owed an annual fee and they just apologized and told me to apply again. I called again and was told that my card was closed due to inactivity. Something that I also received zero notice of. Then I received a letter saying that my card was closed due to a recent delinquency on my credit report with XXXX. I have zero delinquencies. So I am concerned that this has adversely affected my credit. I was also recently turned down for an XXXX Credit Card. I am not trying to find out what is going on here. So, I feel I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80232
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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'm XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: A XX/XX/2022 letterhead from XXXX, XXXX of the President at Barclays attempts to address CFPB complaint XXXX by dodging all complaints and counts, which were legitimate and well grounded. Most important in the letter is statements about an account ownership letter being accepted as [ acceptable account owership proof ] which XXXX Bank drafted, I submitted on XX/XX/XXXX and resubmitted on the XXXX to XXXX from my email address. Today, XX/XX/2022 not even one email reply back has been received back. CFPB complaint XXXX response, indicated only a .jpg image was received for verification of the account. This is false and records printed reveal via email and in the complaint the verification letter is included in a .pdf format. Here, also, the compensatory damages request was declined. I am now seeking {$15000.00} in compensatory damages because of my claims and allegations which are fully supported and here, appear to be scurried and drifted off as baseless. This is simply not the case. It will be shown, a wide spread matter, and an alarming matter of banking neglect has caused harm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36526
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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 or about XX/XX/XXXX, I notified Barclays that there was fraud activity on my credit card. The complaint was taken in, the items disputed were itemized, and I received a new credit card account number. Despite Barclays taking in this fraud complaint the only action Barclays completed was sending me a new card. The items in dispute remained on my statements and the account that was stolen remained open. On or about XX/XX/XXXX, I notified Barclays that the fraud activity complaint was not resolved. I was told by XXXX # XXXX that no fraud complaint was ever received and that I would need to put a new fraud claim in. I proceeded to spend the next XXXX hours working with Barclays to again put in the items disputed. I was told this would take XXXX to 2 months to resolve. After the call I received a letter from Barclays stating that they closed the account impacted by fraud ( the action that was supposed to take place after the XX/XX/XXXX call ). On or about XX/XX/XXXX, I notified Barclays that they removed 4 of the 5 fraud items but the 5th item was not removed from the account. I was told by XXXX XXXX XXXX XXXX said the agents don't have ID # s ) that the fraud review was still open and no action has been taken. I pointed out that 4 of the 5 items had been removed. The Agent could not explain why the 5th item remained on the account. The Agent said she would put me back into the fraud system for review. I asked to speak with a manager and was told I would be put in the Manager callback queue for a call that may occur in 1 to 5 business days. It appears to me that Barclays is deceptive in its dispute process. I am being negatively impacted as Barclays continues to report me as not making payments, when the only items outstanding relate to the fraud that was reported to Barclays over 5 months ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A