Date Received: 2022-08-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My XX/XX/XXXX Barclay 's XXXX XXXXXXXX XXXX XXXX Statement showed a statement balance of {$13000.00} with payment due date of XX/XX/XXXX. On XX/XX/XXXX ( 12 days before my due date ) I logged into my account and paid the full balance of {$13000.00} to zero out my balance. On XX/XX/XXXX I logged into my account to check for any charges that may have come in after XX/XX/XXXX. There were new charges with a balance of {$68.00} which I paid in full on XX/XX/XXXX ( XXXX day before my XX/XX/XXXX statement was generated ). I then called Barclays to close my account due to the ridiculous interest rates on my card. My account was closed with a XXXX balance on XX/XX/XXXX. On XX/XX/XXXX my new statement was generated and an additional {$100.00} in interest was charged despite having paid my balance in full 12 days before the due date. I contacted Barclays and was told that this was the interest on my balance from XX/XX/XXXX to XX/XX/XXXX. Barclays has a policy of granting a XXXX grace period to their credit card holders from the statement cut-off to the due date where they will not charge interest if the balance is paid in full. I was told by the Barclay 's customer service chat representative that they will not honor the traditional grace period and refund this interest charge. I have never encountered this with any other credit card in my XXXX years of utilizing credit cards. This is gouging behavior because I chose to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45701
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclaycard XXXX On XX/XX/XXXX requested Rewards redemption of {$53.00}. As of XX/XX/XXXX money is not in my checking account. Requested an investigation on XXXX. Since then I have spoken to six different people. Each one says the investigation is completed and money was sent to my bank. When I ask for a reference number for the transaction nobody can supply one. When I ask to double-check the payment instructions no one can help me. Barclaycard uses ACH to make payments. Every ACH transaction generates a source and destination Trace ID number. When I ask for these numbers nobody knows what I'm talking about. I'm being stonewalled. I believe the transfer was never made. Normally I get an e-mail confirmation of my redemption ; not on XX/XX/XXXX. Barclaycard might have had a computer glitch on XX/XX/XXXX and is covering it up. If that's the case I'm not the only victim and Barclaycard is pocketing the money of a lot of other cardholders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60525
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
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/2022, I had made a call to XXXX XXXX Customer Service # XXXX at XXXXXXXX XXXX, regarding a charge for the amount of {$380.00} made on a credit card that I never received in the mail ( replacement card ). I was aware that XXXX XXXXXXXX was switching from XXXXXXXX XXXX to Barclays sometime in mid XXXX and that every customer should expect to get a new credit card ; however, I never received my new card in the mail. I hardly use the credit card anymore that I forgot that one was supposed to be mailed to me until I got a statement from XXXX XXXX showing a charge I did not make on the new card I was supposed to get. When talking to the customer service rep she informed me there was a transaction that was conducted on Monday, XX/XX/2022, for {$380.00} at the XXXX XXXX XXXX. I informed her that I didnt make the purchase and that I have yet to receive the new card. I also informed her that I was sick due to testing positive for COVID and that I was also pregnant and that I clearly remember what I was doing on the days of XX/XX/XXXX through 2 weeks later, as my now husband and I were out of work at home sick. She states that a new card would be order and I spoke with the person that was ordering that new card. She also told me that she would help me get setup on the Barclays app since I wasnt able to be for to make a payment on items I purchase back on XX/XX/2022 ( last authorized items ), since I had no new card number or account number with Barclays. My payment of {$16.00} was late for that reason of me not having access to pay online or through app. Once, I was all setup through the app, the representative had me speak with someone else regarding the unauthorized item. That person asked me if I recognized a transaction for about {$190.00} and I told her that I did not recognize it. I asked the First lady helping me why she didnt mention the {$190.00} charge and she stated that she does not see a charge for that amount and only for the {$380.00}. I stated the dispute of the {$380.00} through the Barclays app with the help of the customer service rep and informed her there was in fact a charge of {$190.00} but not {$380.00}, so I disputed both items as I did not make them. Before hanging up, I was informed that a case would be opened and the items would be investigated. On XX/XX/2022, I received a call from Barclays ( I thought the call would be about the transactions disputed as I was told someone would call me ) and it was a representative asking if everything was okay as they noticed I havent made a payment. I explained to that gentleman everything that happened when I first called. He said that he would have to transfer me to the dispute department ; however, that person spoke for one second and then hung up. I called the customer center again and told him where I needed to be transferred. Before transferring me he spent a couple minutes explaining to me the difference between dispute department and fraud department, which I am aware what the difference is and was just telling him where I was last transferred to. After reaching the fraud department, I again explained what happened and they said that they needed to transfer me to collects department as now the items were being handled with them as I was late on payments. Once speaking to the fraud agent, she informed me that the person who transferred from fraud department told her I wanted to make a payment, which is NOT what came out of my mouth. I told him I will not be making a payment on items I did not authorized and I have disputed. Fraud agent then told me that she needed to speak with the investigating department after I explain everything to her about the authorized items. Once she got the investigation agent on the phone the call cut out again. I had to call back again and I asked to be transferred to the fraud department to the last person I was speaking to but that didnt happen. I got a new person that I needed to explain things to again!!!! The new person informed me that the card I was supposed to receive in the mail in mid XXXX was activated as of XX/XX/XXXX, which I told her was not by me. Never once did anyone mention that since a card was activated in my name that I would need to file a identity theft report! Also, how could I of made a card purchase with a new card that I NEVER had in my hands???? She then told me that the case that was opened back in XXXX was closed due to being past the investigation date, so thats why it was never handled probably. Before, ending the call she told me that the item would be disputed and a case would be open. Also, one department stated they only saw the {$380.00} charge and another told me they only saw a {$190.00} charge, so I am very confused as to why people see different things and tell me differently. Also, one my account was unrestricted. Why, if there were fraudulent charges? Two, did they close out the card that was used or did they send me the same card number? The issue has not be resolved and I was threaten with the items being sent to collections. The account is still receiving late charges and I dont want it to affect my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Barclay 's XXXX and XXXX Credit Card. Payment is due on the XXXX of the month. I paid the card on XX/XX/XXXX and received confirmation of the payment on the XXXX. Yesterday, I received notice that payment was past due. Rechecked online account access. Payment on XX/XX/XXXX reflected. Today, I received notice that payment was made on XX/XX/XXXX and was late. This is the second time. The first time the company agent said the late fee would be refunded ; it never was.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
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, I initiated a payment through my bank to pay my XXXX XXXX card balance in full, The payment was in the amount of {$1100.00}. The electronic funds transfer was received by XXXX XXXX on XX/XX/XXXX and the money was taken from my bank account. XXXX XXXX never applied my payment and continued to withdraw my automatic payment of {$38.00} on XX/XX/XXXX, {$39.00} on XXXX XXXX and {$38.00} on XX/XX/XXXX. I did not realize additional payments were being taken out until after the payment made in XXXX as they were set up on automatic payments through XXXX XXXX 's payment site. Once I realized this I called XXXX XXXXXXXX Barclays on XX/XX/XXXX to inquire about the payments and understand why they were still showing a balance on my account when I had paid the account in full in XXXX. Barclays stated that they did not see my applied payment in XXXX and that I would have to call XXXX instead as my account had just been transferred to them and they did not have the XXXX information. I called XXXX, explained that I was trying to figure out why my payment was not applied and they gave me a similar excuse. They had transferred their records to Barclays and no longer had my account information. Synchrony advised me to call Barclays even though I'd explained that I'd spoken with Barclays and they'd insisted that I resolve the matter with Synchrony. I called Barclay 's again on XX/XX/XXXX to seek a resolution and they were still attempting to reroute me to XXXX for help. After being bounced from department to department, I finally spoke to the payment resolutions department at Barclays who opened a case on my behalf. I received a letter in the mail about a week and half later requesting I send proof of payment from my bank. I downloaded the information and mailed the proof of payment back to Barclays. XX/XX/XXXX arrived and I had not heard anything from Barclay 's regarding my case but received a call saying I had an overdue payment. I attempted to speak to someone about my case but the only information they had for me was that the claim was closed due to my proof of payment not being sufficient. On XX/XX/XXXX, a woman named XXXX called me from the resolution department and I explained all of the back and forth I had gone thru but had received no resolution and still no one could track down why my payment had not been applied and why the proof of payment I received directly from my bank was insufficient. XXXX assured me that she would research and try to resolve it. She gave me an email address to send my proof of payment to again. I sent the information only to have the email come back saying the email address was invalid. On XX/XX/XXXX, I called Barclays once again to check on the status of my claim and was advised that the XXXX payment of {$1100.00} was applied to my account but then said the payment was returned to me. The {$1100.00} payment I made was never sent back to me. I checked my bank account in addition to calling the bank directly. As of XX/XX/XXXX, Barclay 's is stating that my XXXX payment was applied but, I somehow still have {$1100.00} balance and I'm being charged excess interest on a late payment. I have been trying for nearly 2 months now to get this resolved but no one has been able to help me. I'm extremely tired of the runaround and want this resolved now.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I'VE BEEN A VICTIM OF IDENTITY THEFT NONE OF THESE INQUIRIES BELONG TO ME AND THIS IS RUNING MY LIFE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card was used by someone to make 4 unauthorized cash advances in a city about XXXX miles from where I live. The transactions were made XX/XX/XXXX ( 2 transactions ) and XX/XX/XXXX ( 2 transactions ). I called the credit card company on XX/XX/XXXX to report the fraudulent cash advances. They cancelled the fraudulent card and reissued a new card. I was told they would investigate. They were not charging interest so I thought they were investigating the claim. By XX/XX/XXXX, I had not heard anything and I called the company back on XX/XX/XXXX. They did not have any update on the investigation and I had to explain the entire story again. This time they gave me a reference number and told me they would investigate and I would hear something within 1-2 billing cycles. To date, I have not heard from the company and they are charging interest on the cash advances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed my Wyndham Rewards Visa Signature Card last month on or about XXXX XX/XX/2022, due to issues with Barclays Questionable Business Practices XXXX I received an email from Barclays on XXXX XX/XX/2022 @ XXXX, stating that I had missed a payment. I sent Check # XXXX to Barclays on XXXX XX/XX/2022, I paid the Statement Balance of {$7600.00}. On XXXX XX/XX/2022, I called Barclays and asked if they had received my check, their response, No. I discussed my options and was advised that I could make a payment over the phone. I told them that I would do that ONLY if they didn't cash my check that I had sent. I was advised that they would not cash the check and they waived the interest charge and the late fee. I paid {$8100.00} over the phone on XXXX XX/XX/2022. After this conversation & payment, I called my Credit Union ( XXXX ) and placed a Stop Payment on Check # XXXX. On XXXX XX/XX/2022, Barclays Cashed the Check # XXXX, in their System. I called Barclays numerous times and talked to numerous people about this check. It is obvious that their Customer Service and Finance Dept. do not communicate at all! I was actually informed that I would receive a check for {$7600.00}. I was forced to check with XXXX on a daily basis and talked to numerous Supervisors to verify that the Stop Payment was in place and that Barclays had not received the {$7600.00} from my account. Every time I called Barclays the computer generated voice/menu would tell me that I had a Credit on my account in the amount of {$7600.00}. So I was very angry and tried to get a Supervisor on the line, never happened. I was hung up on numerous times. When I actually talked to someone, they stated that I had a credit on my account and that they would send me a check. I advised, that check ( # XXXX ) was NOT to be cashed. This went on for a few weeks, trying to talk with a Supervisor. I gave up trying to get a Supervisor. I continued to verify that the money never left my XXXX account. When I was satisfied that no money had been sent to Barclays, I stopped calling them. I never received a check for {$7600.00}. Yesterday, XXXX XXXX, I received a Statement from Barclays, requiring me to pay a Returned Payment Fee dated/posted XXXX XX/XX/2022. The actual Transaction Date is listed as XXXX XX/XX/2022, " Payment Stopped ''. For weeks I was in contact with Barclays and I was told that I had a Credit of {$7600.00}, no one ever checked my account ( Finance Dept ), to include Supervisors to verify this. I called them yesterday, and got the run around about this for at least 20-30 minutes. I insisted on speaking with a Supervisor or I was going to make a Formal Complaint. I finally got a Supervisor on the phone. According to " XXXX XXXX ( Supervisor ), she was unable to waive this fee. I told her that I was going to make this Complaint, not only did this Company lie to me, now they continue to Harass me for money that I do not owe. I paid the bill on XXXX XX/XX/2022, they Cashed a check, # XXXX, that they stated they would not, on XX/XX/2022. There is no justification for them to charge me {$29.00} for RETURNED PAYMENT FEE since that check was never paid, it was voided by my " Stop Payment '' that I initiated on XXXX XX/XX/2022 with XXXX XXXX XXXX XXXX. I paid what I owed and more. I have waited for Barclays to call me today, XXXX XX/XX/2022, with a resolution for this issue. They have not. I will not waste any more of my time and summit myself to increased anxiety and anger by calling them again. I called XXXX today, they validated the fact that once I initiated the Stop Payment on Check # XXXX, it was invalid and could not be cashed. So, this Company is using their finance system to create Fees that they charge their Customers and Former Customers. I am XXXX XXXX year Military, XXXX Veteran, and I get treated like this. I'm sure there are many more that have paid erroneous Fees that were generated by their Finance System. I only hope that this complaint shines a light on Barclays Fraudulent Business Practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
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: 2022-08-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and in NY. I received a call this morning on XXXX from someone claiming that I had an XXXX XXXX Account and that they would file a judgment against me in XXXX XXXX, as well as contact my employer. I am self-employed. I have never had an XXXX XXXX Account. Just in case I misremembered something, I confirmed this info with Barclays Bank that owns XXXX XXXX debt. These scammers have my first and last name and my full social security number! Please advise. The number that I received the call from was XXXX. I was told to dial XXXX to follow up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My statement closed on XX/XX/2022. Barclays stated that my rewards of {$41.00} were redeemed and sent to my XXXX XXXX XXXX personal checking account. As of today, XX/XX/2022 no funds have been received and Barclays has refused to interact with me regarding this and are completely disregarding my concerns. They are illegally holding my rewards and are refusing to provide proof that my rewards were sent to my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A