Date Received: 2022-09-25
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 XXXX deposit made on timeshare {$12000.00} XXXX XXXX canceled the purchase by registered letter / and email within the applicable time. XXXX XXXX acknowledges email XXXX XXXX they want me to agree to fees that are not part of the timeshare purchase, I never agreed because it was not part of the purchase. No Credit was given XX/XX/2021 Requested Barclays Bank Delaware dispute the charge asked for credit for a full refund. Barclays Bank Delaware never responds to my dispute claim I called several times and they gave me a case number Barclays Bank Delaware never gives any written explanation of the creditors determination Barclays Bank Delaware puts the credit card account in collections XXXX XXXX requested relevant documents in the determination of the dispute. There was a second credit card used for the same transaction we also put that in dispute which was resolved by the credit issuer in our favor for the full amount charged. A credit was issued. It was the same purchase identical letters were sent and only one card was resolved. An application for credit was given to me at the resort and Barclays Bank Delaware ( RCI card ) favored the resort. Never responded to my request for a refund. Did not respond within 30 days. They never sent a determination. Nor did they resolve it within 90 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, My card has been blocked since I opened it. They asked me to verify my identity and I faxed and mailed a copy of my license over 3 or 4 times and still nothing. At this point I just want the account closed and the company to refund me the {$95.00} annual fee I already paid since they never allowed me to use the card. Why are they allowing me to open the account only to never even let me use it?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX credit card was stolen and purchase was made at XXXX in XXXX Pennsylvania on XX/XX/2022 the stolen credit card was used at the XXXX in the amount of {$530.00}. A police report was filed with the State Police of NJ. The credit card company sent text messages to my cell phone alerting me of fraud and I replied No, to not approve the charges. The card was frozen and closed but the charge was not removed from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08724
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: 2022-09-23
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Barclays XXXX Rewards Card ~ XX/XX/22 Tried to log into the account to make a payment, wouldn't allow access, it said information 'password/log in was incorrect '. Upon checking further we saw that the phone # to text us at had been changed and a different email was added to the account. We called ( XXXX ) to correct the information ( XXXX separate times ) after all of our information was given, all security questions answered we were told it had to be passed on to another department, we were told the other dept. was not available/busy, and asked to call back in an hour. After the second time calling we decided to put the card on hold to make sure it couldn't be used. XX/XX/22 ~ Following day tried once again to correct the information on the account were told they would NOT remove the hold that we put on it that they were turning the account over to the fraud department. Fraud dept. demanded a copy of front and back of Drivers LicXXXX, Social Security card and utility bill. We refused ( have been told repeatedly NOT TO GIVE THIS INFORMATION OUT TO ANYONE by police, lawyer and News ). They refused to help at all ~ said there was fraudulant activity on the account ( which there wasn't ~ no claims were made, no activity on the card, bills have been paid on time with no problems ) Would not offer any alternative so we asked to close the account, they refused to do that ( finally did get that done with another supervisor ). Both of the cards have been shredded, account has been closed but they still refuse to let us have access to even PAY the bill. We were told that it would have to be paid by check ( which we haven't done for years ), they wouldn't send an email with the statement due in XXXX, wouldn't make our account accessible to pay via internet and couldn't get the computer system to work in order to change to a paper statement. We have had this card for years ~ never encountered anything like this before and quite frankly are shocked that we were treated like we were criminals!! The woman in the fraud department made it very clear that we did things her way ( sending copies of legal documents etc., for no reason ) or we were out of luck. There is no way to check the account to see what 'auto payments ' were set up to the account, no access to the statements, no way to pay the bill accept via mail. Mail is extremely unreliable right now. It is ridiculous when we did NOTHING to cause this!! We've lost our reward points to top it all off. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I earned enough points through my XXXX XXXX XXXX XXXX XXXX that were redeemed for XXXX {$25.00} XXXX XXXX XXXX gift cards, amounting to {$100.00} total in rewards. Their website has been broken for a full month now, which prevents customers from accessing those gift cards. Whenever the verification Securpass code comes into play, an error message pops up that prevents you from accessing the gift cards. I have reached out to their customer service three times now, and they have pushed me off every single time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
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 or around XX/XX/22 I noticed a strange charge on my XXXX XXXX credit card from a place called XXXX in the amount of {$20.00}. I promptly disputed it. Barclays, who manages the card, credited me and i thought that was the end of. I was told my card would be closed and a new one would be sent. When i got the card about 2 weeks later, it was the wrong one! Right company, wrong card number. One XX/XX/22 I had to call again and get another card, which i still haven't received. How does a company send out THE WRONG CARD?! On XX/XX/22, I received a letter stating they were agreeing with the merchant. I called Barclays and was told i would have to fax documents over, which i should not have to do because the order was fake! I have messaged the merchant, demanding my money back or at the very least, whatever i purportedly purchased. They gave me a fake order number and a fake tracking number. As of today, XX/XX/22, i haven't received my so called order. A quick 30 second search on XXXX shows XXXX is a scam. Their website has been shut down as well ( screen shot provided from date of XX/XX/22 ). This could have been easily solved by their so-called fraud team by spending just a few minutes researching online. I would like my money back immediately! I will not do business with a place that allows their customers to be scammed and stolen from! I closed my card on XX/XX/22 due to their decision to allow a fake company to steal from their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61265
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I signed up for a card with Old Navy. This was right before they changed the banks so it was starting with XXXX They are now with Barclays bank but they said that they could no longer help me. I went ahead and just paid the balance that Im disputing because it has affected my credit outrageously taking me from good credit to below average. Ive been trying to dispute this since Ive signed up because I never received my card and there was a balance on my card. So I need help to fix this error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XXXX XXXX credit card was switched over to a new company ( Barclays ), during the transition process, I never received a card/new account number. When I tried to pay the bill thru the old system, I was not allowed and told I had to use Barclays. When I contacted Barclays, they said I needed my new account number to make a payment but it could not be provided via phone. They stated they would mail the information to me. The balance was Paid in full once the account situation was worked out and I was told that the late fee 's and additional interest would be reversed due to the error. I keep receiving late fee 's and interest EVERY month since XXXX because of a balance due from the late fee that was supposed to be reversed. Every month, I call and speak with an Agent. Every month they apologize and tell me that my balance is now {$0.00}, and I will need to wait until the next billing cycle to see it reflected on my statement. Every month there is a NEW late fee and interest charge added. Now I'm being told that the late fee is valid because I paid my bill on XX/XX/22 ( It was due XX/XX/22 ), but because their system didn't actually process it until XX/XX/22 I have to pay the late fee. They have now reported the late fee 's to the 3 major credit bureau 's impacting my credit score. How am I responsible for a late fee when I paid the payment a day before the due date? How am I being punished because of Barclays processing system? I was told by one agent that something was sent to the Credit bureaus to correct my report, then told by the very next agent that I would have to dispute the error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48212
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I NOTICE HARD INQUIRY IN MY CREDIT REPORT FROM XXXX XXXX ON XX/XX/2020 WHICH I M NOT AWARE OF.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The card that I have is a rewards card with an annual fee of {$89.00}. I have had the card for 7 years and 8 months. Over time, the rewards program on the card has become uncompetitive as compared to my other credit cards or products in the market. I wanted to downgrade my product to a no-fee option, with the same company, so that I can maintain my credit history whilst getting rid of the annual fee ( which no longer adds value ). I was told there was no downgrade option and if I wanted to stop paying the annual fee I would have to close my account. Essentially they are holding me XXXX! As you know if I close the account and open a new card, my credit score will be negatively impacted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55446
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A