Date Received: 2022-08-20
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have a very high balanced credit card with Barclay, have had it for many years!! They decided all of a sudden to start upping my interest rate for the past SEVERAL months!! I called them, they don't care, closed the account and continue making payments and they continue upping the rate every month. How is this even legal?!?!?!? I make timely payments every month and have for years and years!! I have closed it, how long are they allowed to continue raising the interest rate on a closed account!! Also with no notification and I would like to see the paper I signed saying this was a variable rate, it hasn't changed for years!! I don't remember signing anything like that, have also asked them to produce that twice and nothing. People are having a hard enough time today without these companies trying to take advantage!! Will never use them again and will not recommend. I have another card that just switched over to them I believe, need to close that one also!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a letter in the mail today informing me that I was not approved for a XXXX XXXX XXXX XXXX XXXX applied for in my name on XX/XX/2022. I did not apply for this card or any other in recent history. XXXX shows the information submitted to the company as being an old phone number ( not current ), my first and last name, and my address. My credit score dropped XXXX points for the hard inquiry due to its chronological proximity to a pull done for a credit card I opened two months ago. I did not apply for this card ; XXXX does not allow you to dispute inquiries, so that's a problem in and of itself. The issue with Barclays is that I don't know how this bank got my information in an application and THEN failed to perform adequate checking to make sure the information belonged to the applicant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29201
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays Bank continues to report to the credit bureaus as an account that was charged off. I've tried disputing it on the credit bureaus and my dispute actually messed things up work. I filed and was XXXX in XXXX XXXX XXXX years ago, as of XXXX Barclays decided to list my account as a charge off and report a serious delinquency and recent late payment on XX/XX/22. It dropped my XXXX score over XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My partner XXXX XXXX was trying to use the link I have in my account that when applying and gets approved, the person who referred him will earn XXXX advantage miles, however the issue here is when he was trying to use the link he was getting an error message and was unable to use the link. Therefore, he went ahead and applied using the Barclays portal and got approved account # XXXX. I called customer service to report this inconvenience many times that day. Today XXXX I spoke to XXXX, she seemed a bit confused which led me to report this using the CFPB to avoid any misunderstandings and run around. She said a case was created # XXXX. I want to make sure the bonus points will be placed into my advantage account ( XXXX ). It really wasn't our fault that the link Barclays said to use didn't work accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
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: In XX/XX/2022, Barclays permitted someone to access my online account and change my password and mailing address without notifying me. Fraudulent charges were made in Ohio in the amount of {$1300.00} on XX/XX/2022. I notified Barclays and after several months of trying to resolve this, they advised me that chip technology was used, and that I am responsible for the charges. I have not been in Ohio since the early XXXX and the card has remained in my possession. I have witnesses that will sign an affidavit that I was in XXXX XXXX, MO on XX/XX/XXXX. The only way the chip technology could have been used in OH is if Barclays issued a credit card to the imposter they allowed to access my account. To date, I have been unable to resolve this situation. I want my accounts closed with Barclays ; the charges removed ; and any negative reports to the credit bureaus expunged. I have notified the XXXX and the Office of the Attorney General in XXXX. I have a complete record of all of my correspondence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX Barclays calls to report suspicious activity and have me confirm fraudulent and non-fraudulent activity XX/XX/XXXX I call Barclays 5 times to confirm them to charge me for verified transaction of {$540.00} from XXXX XX/XX/XXXX Barclays add back into transaction history a fraudulent charge of {$190.00} made on XXXX at XXXX XXXX XXXX XXXX XXXXpresent I file police report due to the ongoing fraud activity with my identify and credit card info being stolen I call XXXX XXXX XXXX who confirms purchase made online, picked up in a store over an hour away from me on XXXX. XXXX XXXX XXXX also confirms what was purchased as XXXX XXXX XXXX XXXX. XXXX will not release video to me, IP address of purchase and confirms that they provided all my identity information to Barclays. Barclays confirms that XXXX was able to verify my information all of which was stolen and states that I made the purchase. Then the charge is removed by Barclays XX/XX/XXXX. XX/XX/XXXX Barclays adds back in the XXXX XXXX XXXX charge XX/XX/XXXX I call Barclays who says they have the right to change their investigation decision and XXXX verified my stolen identity XXXX can not confirm that I picked up the shoes at the XXXX XXXXXXXX XXXX XXXXXXXX on XXXX. I am not the person in the video.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
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: My Credit Card was transferred from XXXX XXXX XXXXXXXX XXXX to Barclays bank XXXX in XX/XX/XXXX. I received a past due notice from Barclays Bank in XX/XX/XXXX. I have not used the old XXXX XXXX account since summer of XXXX and I never used or activated the Barclaycard. There was a charge from XXXX on the XXXX card in XX/XX/XXXX, but I did not make this charge or purchase anything from XXXX. I called Barclays beginning of XX/XX/XXXX and I was told they would start an investigation. But I did not receive any communication from them only a bill with late fees. I called again in late XXXX and they told me they reversed the charge from XXXX and I think the interest and one late fee. I called again the first of XXXX because the charges and late fees were not reversed and I was told to wait until after the billing cycle and they would be removed, but I got another bill showing additional fees but the charge was reversed and standard purchase for XXXX was added?!!. I called them again today XX/XX/XXXX and was told I owe them {$74.00} ( unknown to me why ), so I went ahead and paid the crooks but I don't think that it is right, they are crooks to took my money when I didn't owe them anything I never even activated the card they are charging me interest and late fees on and possibly using to make purchases. What a way to make money, fake charges, they make their customers pay late fees and interest on fraudulent charges. I want this resolved and I want my money back with interest. And I don't want any late notices on my credit report so I want a new three part credit report showing I did not make late payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
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: 1. Redelivery of stolen and lost XXXX Rewards Visa Credit Card for Acct XXXX in XXXX XXXXXXXX XXXX MasterCard Credit Card for Acct XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 2. Waive late fee applied XX/XX/XXXX and correct credit report if any changes made because otherwise there are no negative comments on credit report. Such activities support the concerted activities to support not having the log in information to access the online account and requiring speech to be directed to customer service agents in the presence of scammers to retrieve such information at their own convenience, reward theft of relevant mail, and reward involvement of security professionals that harass civilians/ general public in order to achieve such circumstances. Concerted activities are oriented to deter final payment of full refund of all monies owed, fair investigation of such criminal activities, and apology for such criminal activities. 3. Continuous theft of mail prior to delivery by United States Post Office that would include general correspondence, or delay of such mail, especially in the instances of replacement cards. Other activities include theft of later distributed lost mail after removed and seen in USPS box, prior to reentering storage area where such documents are to be kept and stored. Continued activities to create false belief that such illegal activities are of a legitimate business with approval of government law enforcement and city deputies, aside from creating false impression that individual 's recordkeeping must be flawless until next time such activities occur to create raid like shattering of files and removal of relevant receipts to deter recreation or organization of recordkeeping, use of software or online websites for account management, or to continue to receive such activities in reward for presenting work product that someone else with ties to an accountant or auditor, or a representative of the bank itself in some other capacity, can then take credit for maintaining or supervising. All intended false beliefs, including discussions with police engaging in anything other than just receiving reports, i.e. actually responding, also appear as ludicrous as that a well established accounting or auditing firm would regularly manage such activities, including destruction, vandalism and burglary, not theft, as right of entry was never granted through someone with the right to authorize such activities, given that the police were acting as criminal accomplices. When receipts of every transaction were stored, as they continue to be stored, the false pretense was that the BANK or the MERCHANT needed such documentation for their own audit or reconciliation. Other false beliefs created are that neighborhood security groups were acting legally, if they indeed acted, when they broke into houses and stole such documents for their own benefit and not in further resolution for the discrepancies benefitting the BANK and/ or MERCHANT that would be discovered. 4. Continuous reversals of store credit and transferring amounts bank and forth to other financial institutions that were experiencing recurrence of list item no. 1, as stated above, in order to confuse everyone and create confusion or loss of memory, when unsuccessful, misuse of any speaker in a security alarm system with an emergency evacuation feature/ public announcement system was misused to deter XXXX XXXX XXXX XXXX 5. Non responsive to several communications presenting again and again relevant evidence of transactions whose credits were applied and then reversed. Issue occurred multiple times in connection with thefts of hard copies of such correspondence, aside from use of software content filters on different machines to deter locating relevant information, such relevant information was also blocked in public, unlike in other instances where same mechanism was used with the intent to embarrass one for searching for such correspondence in electronic form through mail servers. 6. Debt was carried over to this institution after matter was initially presented to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in its entirety, and such institution did not request such information after it was provided reasonable time to obtain that information from XXXX XXXX or XXXX XXXX to fully refund any monies paid after it was established that over {$420.00} was due back in refunds alone on the XXXX XXXX XXXX XXXX XXXX 7. Make clear, with repeated adequate assurances, that all past communications will be located to reflect the full record of such communications as all were identified, and reports provided on XX/XX/XXXX, addressed order no. XXXX, that was also provided in the past, was not made available due to the criminal activities mentioned, within the letter dated XX/XX/XXXX addressed to XXXX XXXX. All communications made via phone through customer service also communicating such correspondence aside from requesting an update should also receive acknowledgement for the record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a JetBlue barclays card XX/XX/2022. The advertised promotion was for XXXX points after spending {$1000.00} in the first 90 days, approved. I received a confirmation call of approval the next day, XX/XX/2022 at XXXXXXXX XXXX. After receiving my card, I swapped the cost of my flight of {$800.00} to my new Barclays card. I also confirmed with the JetBlue associate ( I have the screenshot of the conversation ) that the XXXX points was still the promotion. About two weeks later, I logged into my Barclays account only to discover that they applied a {$250.00} statement credit. Confused, I called Barclays. I was told that my promotion was a {$250.00} statement credit and XXXX points after {$1000.00} in 90 days. I argued with them for several hours over the next few days, stating that wasn't was I signed up for. I reached out to JetBlue for help, and they said it was out of their hands. I called up each company one last time and was told it would be escalated. That was a month ago. I have a confirmation number from this supposed escalation, but haven't heard anything since. I've called Barclays again, and they continue to dismiss me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX, PA, a law firm in XXXX XXXX, North Carolina, wrote a check from an escrow fund containing my money on XX/XX/XXXX. The check for {$8500.00} was sent to Barclays at the address shown on their website. This check was to pay down debt on a XXXX XXXX XXXX as part of a real estate closing. Barclays deposited the check on XX/XX/XXXX at a bank in XXXX, Maryland. XXXX has a copy of the canceled check. Yet Barclays has not applied the payment to my account and continues to charge me interest on the balance. In a three-way call today, an attorney from XXXX and I were told by a Barclays customer service representative that a case has been created ( # XXXX ) and Barclays is investigating. Apparently, they have no idea where the money is or why it hasn't been applied. I was told it will be another 30-60 days before the case is resolved. The Barclays representative says this is " a known problem. '' I don't know if he meant my lost money in particular, or if they have several cases where deposited money has vanished. Either way, this is unacceptable. We asked if we could contact the Investigations Department directly and were told no. My attorney was very upset and suggested that I file a complaint with Consumer Protection, so this is it. I want my {$8500.00} -- which I know for a fact is in Barclays ' possession -- to be applied to my credit card account without delay, without any more vague promises for eventual resolution. I want the finance charges for this period to be rebated or forgiven.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A