Date Received: 2022-09-02
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: Over {$200.00} was taken from bank account to pay my monthly payment which I have provided proof of payment to all three credit reporting agencys an the reporting agency Barclay. I have been communicating since XX/XX/2022 two conversations with the President of Barclays. I sent multiple emails to every tear of the company. During Covid I got a deferral I did what I was told made my payments. On a recorded line they said my payment was accounted for someone had to back log an manually account my payment since the system processed the other payment in the next billing cycle therefore it was not applied an the system counted it as missed when it was payed within the 30 day bill cycle! This action has caused harm to my credit therefore Im unable to apply for loans / financing for my businesses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My husband and I took a flight on XXXX XXXX and we were given a promotional brochure for a BarclaysXXXX XXXXXXXX XXXX credit card ( see attached ). The brochure clearly states that the introductory fee is {$0.00} for the first year and then {$99.00}. We opened an account in XXXX using the promo code on the back of the brochure. When we received our first month 's bill we were charged {$99.00}. I called ( XXXX ) to dispute this charge and spent several hours on the phone with them. They insisted that the card was not free even though I had the documentation to prove it. I spoke to several customer service reps and managers after the initial call ( 4 - 5 different reps from XXXX - XXXX ) and they claim that they could not waive the fee that they charged me. In XXXX, a XXXX opened up a case to investigate this. I sent them all of my documentation and still have not gotten the {$99.00} returned to me. This is clearly false advertising. We have researched this and it seems to be a common problem with other consumers. Barclays is not honoring their offer. This is false advertising and they should stop handing out these brochures on XXXX XXXX flights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was notified on XX/XX/XXXX of a Barclays Bank Credit Card opened in my name with all my information and that it was opened in the state of Ohio ( I have never been to Ohio ) and charges made online with it. It says it has a limit of {$950.00} and there have been {$240.00} of charges made on it so far. All THREE credit bureaus have refused to help me. They say my disputes are closed due to the information they found was accurate. A physical card was mailed to my home. I have called actual credit card 4 times since XX/XX/XXXX. They have told me 4 times that the account is closed. IT is NOT closed. charges keep coming in and the credit reports show it is open. I NEVER OPENED THIS. I have since put a freeze on my credit reports. I am begging for help. NO ONE IS HELPING ME. This was fraud!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX, I noticed 3 fraudulent charges on my account : for merchant XXXX on XX/XX/XXXX, in the amounts of XXXX and XXXX, and for merchant XXXX XXXX, on XX/XX/XXXX, for XXXX. I called many times trying to flag these fraudulent charges. When I first started calling it was impossible to get through at all -- there was a message just saying something like, " we are very busy during this transition from XXXX to Barclay 's, and just can't talk to you right now. '' Then I made many more calls. After getting disconnected many times, and getting transferred all over the world, I got charge from XXXX XXXX taken off, but not the others. But please note that they never gave me any provisional credit while there investigations were underway. Over the rest of the summer I made numerous calls, got disconnected and transferred countless times, was told the complaint had been investigated numerous times, and was never issued a provisional credit. At no time did they ever send me an email acknowledging any of this, not even when I filled out the fraud form on their websited ( screencap attached ). Finally, around XX/XX/XXXX, they removed the remaining fraudulent charges. Then, after I called again, got disconnected, transferred, etc., they removed the late charges they had spuriously charged to my account. But AT THE SAME TIME, they reported my account as delinquent to one or more credit bureaus. I just called and spent hours trying to get them to do something about this. The answer was, you guessed it, no dice, we are doing nothing. This is the worst credit card I have ever used, in 27 years of using credit cards. It's both XXXX and Barclay 's that are at fault, though Barclay 's had the temerity to tell me that it was all XXXX 's fault. The only other time I had similar trouble in getting fraud prosecuted was when I was living in XXXX XXXX around XXXX, using the debit card for a XXXX bank. So the fraud protection this card offers seems to be comparable to the standards of the developing world around the turn of the century.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a pamphlet on an XXXX XXXX flight offering an opportunity to sign up for a Barclays mastercard. The information in the pamphlet explicitly offered XXXX miles and the waiving of the {$99.00} annual fee for the first year after opening an account using a promotional code XXXX included in the pamphlet and making a purchase. I applied, included the promotional code ( XXXX ) and was accepted. The Barclays mastercard credit card account was opened on XX/XX/2022. I made required purchases. I received the miles promised but was charged {$99.00} for the first year. I called numerous times but they refused to honor the {$0.00} intro annual fee for the first year as advertised in their pamphlet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy on all accounts. 15 USC 1681 Section 604 A Section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose or reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays XXXX XXXX XXXX card - card was opened by someone other than myself. Purchases were made. Called numerous times to dispute. On hold for over an hour. Charges were considered fraudulent. Asked to have account closed as it was not open by me. Never received in writing that the account was closed which I asked for numerous times. Recently, just got a letter saying I enrolled in paperless billing. This account was supposed to be closed as of XXXX ( do not have exact date that I called. Also called in XXXX twice and account was never closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
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 have a XXXX XXXX XXXX with Barclays Bank and they reported that I have a XXXX late payment for the month of XXXX, XXXX on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in XXXX. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by Barclays on XX/XX/XXXX. Barclays has yet to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a Jet Blue Mastercard credit card from Barclays Bank, which I never requested or accepted. I did not activate it. I now am receiving daily bills from Barclays Bank for charges that I didn't make. I called the bank, but the representative would not speak with me unless I gave my name, date of birth, and last four numbers of my social security number. I do not want to give the bank that personal information.
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: 2022-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A