Date Received: 2022-08-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Re : Barclays XXXX XXXX, Acct # ending XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Payment made, check cashed, funds not credited to the above referenced account. To Whom It May Concern ; On XX/XX/XXXX, check # XXXX in the amount of {$14000.00}, was deposited and cashed by Barclays, into the XXXX XXXX clearing account for the above credit card account. This was a third party check, that was written from a title companys escrow account ( Performance Title and Escrow ). When this check was sent by the title company, it was also sent in with the appropriate remittance paperwork for payments made with a physical check. On XX/XX/XXXX, I reviewed my Barclays account and noticed that the funds from this check, were not yet credited to the account. I called customer service and inquired and was advised by the customer service representative, that they had not received any such payment, and that it might be in a lock box holding area, waiting to be distributed to the appropriate account. The customer service representative then advised that this check had cleared the Barclays checking account. When I requested an email address from the representative, to send the documentation, reflecting the check had been cashed, he said there was No need for that and that this is not uncommon for funds to not be credited to an account from a third party check, when a checked is deposited. I was very surprised that money was received, checks were cashed, and then not allocated to the appropriate account, and relayed as much to the representative. The gentleman gave me a Barclays case ID # XXXX and was advised that it could take up to 2 billing cycles to correct this issue, I advised that this was not acceptable. Barclays is in receipt of the payment, cashed the check, and is in retention of the funds. When I requested a supervisor, I was advised that there were no supervisors that could assist. On XX/XX/XXXX, the money still had not been allocated to my account. I again called customer service to follow up and received the same information, but I requested an email address to send the documentation, reflecting the cleared check, and what account it was deposited to. I was given a case number completely different than what I received the week before, along with an email address to which I could send the documentation. The representative could not find the case number that I received the week before. The representative, while sympathetic to my plight, said it can take up to two billing cycles for this issue to be corrected. This representative gave XXXX XXXX a new case number of XXXXXXXX XXXX and an email address ( XXXX ) to send the appropriate documentation to, which he immediately sent. This representative advised that it could take up to two billing cycles for this to be resolved. I advised again that this was not acceptable and is in violation of federal law. I also advised that my credit and credit score were being affected, as well as my debt-to-income ratio. On XX/XX/2022, I again called customer service, and received the same responses as above. When I relayed that if this was happening to myself, it is probably happening to many others, and we all know what that means, and this was a violation of the law, it was met with callousness, and I was told that I would receive the interest credited back to the account when the money was found and credited to the account. Once more, I advised of the inappropriate actions of Barclays, and the violations of specific laws of the CFPB and XXXX, and demanded that the money be credited to the account immediately. Again, I was told the same thing, that it may take up to 2 billing cycles for remedy. The representative also relayed that I did not have to make a payment. I advised him that I would make a payment, because I received a statement ( XX/XX/2022 statement date ) requiring myself to make a payment. When I received the XX/XX/XXXX statement, and I was still being charged interest. Additionally, there is a minimum payment due, even though, after the funds are allocated, Again, I made a payment, as listed on the monthly statement. I would now actually have a higher credit balance than the month before. I have maintained a perfect payment history with this account, and have continued to make payments on this account, even though funds have been received and not allocated properly such account, throughout this seemingly endless issue. XX/XX/2022- XXXX XXXX ( myself writing this ) called and spoke with XXXX representatives, and have gotten nowhere with this process, other than " Barclays is working on it ''. At the last transfer, I was transferred to " Customer Care '' representative, and was on hold for over an hour, with no resolve. The foregoing actions are against the law, and in violation of XXXX, FTC, and CFPB guidelines and procedures. The balance on my clients account is being inaccurately reported to the credit bureaus, and is negatively affecting my credit score, debt-to-income ratio and is affecting my ability to obtain credit. This is in direct violation of the law. Let me be clear, this is not a dispute. Retaining payments from a consumer, who has a credit account with Barclays, and not allocating the funds appropriately and timely, is in violation of federal law, and subsequent reporting inaccurate information to the credit bureaus, knowingly or not, is in direct violation of XXXX, and there can be severe consequences for doing so. There is no reason this issue can not be resolved amicably and immediately. I have advised Barclays numerous times to remedy this issue and credit this account appropriately. If you would like to discuss the matter, you can reach out by email ( XXXX or by my cell phone ( XXXX ). I expect that this issue will be rectified within the next 5 business days, which will obviate the need for any and all further action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34209
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Weve had a Barclays choice privileges card since XXXX. We spent the required amount to receive our points. We are not getting any points in spite of spending and paying off monthly balance. We have spent hours on the phone trying to get our points with no success. Weve been passed from person to person without results. Weve been cheated out of XXXX XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I am XXXX XXXX, consumer as the term is defined under the Equal Credit Opportunity Act and Fair Debt Collection Practices Act. I am filing this complaint for credit discrimination as aggrieved applicant against Barclays Bank Delaware ( " Barclays '' ) for deprivation of right to credit as creditor in accordance with the Truth in Lending Act. I am submitting this complaint without any third party. I extended my consumer credit as an asset to Barclays via good and valuable consideration of completed application form in exchange for consumer product XXXX XXXX XXXX offer accepted for open-end credit for consumer purposes only. I have been negative impacted unfairly in my personal family and household affairs as I could not obtain the credit device as financial aid to acquire consumer goods and services, due to adverse action letter dated XX/XX/ 2022, referenced as Application # XXXX allegedly due to few accounts or insufficient number of credit cards and based on unverifiable and uncertified rumors in bad faith 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and I as consumer request good faith reconsideration. 15 U.S. Code 1691b - Promulgation of regulations by the Bureau ( b ) Exempt transactions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i was at Old Navy XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY ) around XXXX and the cashier mislead me and applied for a credit card. what happened : when i was paying for items i was buying the cashier ( XXXX ) asked me if i would like to get 20 % off in the next three weeks. i said yes. he showed me a flyer i saw the 20 % ( did not hand it to me or gave me enough time to read the flyer in its entirety ). he did not mention it was a credit card. he continued to tell me i can get the discount at Old Navy, XXXX and XXXX XXXX and i would need to enter my SSN. I did, and i was asked to enter again. asked for my ID, and i gave it to him. it took longer than i thought, i asked him is there a problem, he said no. i again asked him if i have to pay extra to get this 20 % off- he said no. however he said the process didnt work and i will receive a letter in the mail. cashier XXXX never mentioned he was applying for a credit card for me or running credit. i had no idea, i was mislead to apply for a credit card i never wanted, until i told my husband about this few mins after. we both went into the store immediately, spoke to a manager ( XXXX ) about what happened. she said she cant reverse what happened and i would need to call Barclays. we explained to her this was wrong and XXXX is taking advantage of vulnerable/less knowledgeable customers just like me. she understood, told us she will investigate this incident. I moved to XXXX in XXXX and relatively new in the country. however i was advised by my husband to say no, whenever a store rep/cashier asks me if i wanted to apply for credit card ( because we have enough credit cards ) for example same day few hours earlier, i was at XXXX 's and the cashier asked me if i want to apply for a credit card to earn points and i said no. Old Navy employee never mentioned the word credit card or credit. i believe this is simply fraudulent and wonder if this is Old Navy 's usual practice. I called Barclays and managed to withdraw the application. i then contacted Old Navy several times to tell them to remove the credit inquiry they made without my consent. they said they dont have a relevant department for such complains and nothing i can do at this point. I would like to report this to CFPB and get the un authorized credit inquiry from credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
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 XX/XX/XXXX multiple fraudulent transactions were charged to my Barclay credit card in the amount of {$1000.00} from XXXX XXXX XXXX and again on XX/XX/XXXX multiple fraud charges from XXXX XXXX XXXX of {$990.00}. I disputed these charges last year and all but these two charges were returned to me possibly due to an oversight because of the same dollar amount on the same day. In XXXX XXXX XXXX, I contacted Barclay to let them know these had not been refunded, they apologized for the oversight and told me in two weeks they would be credited. It is now almost 6 months later and Barclay has been giving me a run around, I have spoken to the fraud department, I have spoken with multiple managers, I have waited the " two billing periods '' for the refund and no resolution. Every rep has acknowledged the oversight and most recently when I last called again on XX/XX/XXXX the rep stated she has no estimated time on when this may be resolved which is absurd. For over a year now, this oversight and lack of action on Barclays behalf has negatively affected my credit score, my debt to income, and the amount being charged in interest is very high on money that is due to be refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1. In accordance with the fair credit reporting act XXXX BARCLAYS BANK DELAWARE, has violated my rights. 2. 15 usc 1681 section 602 states I have the right to privacy. 3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions. 4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: accounts on autopay. dont know why it has a late payment .... account is paid up in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX recently switched from XXXX XXXX to Barclays. Since the switch it has been impossible to login online to access my account and make a payment. The URL is broken and continually says " We're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' If you click the link they provide, it takes you to another page that says the exact same thing. While you can make a payment over the phone, and I understand technical difficulties online, it has been this way for over a month, in the least. If you offer online payments, customers should actually be able to utilize that feature/function.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
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: XXXX This is the case number of my complaint that was closed, the company did resolve the issue but then turned around and charged me again with out an explanation, I am fixing to get a lawyer if this wont get resolved! Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair credit Reporting act : XXXX acct XXXX, has violated my rights 15 USC 1681 Section 602 States, I have the right to privacy. 15 USC 1681 Section 604 a Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A