Date Received: 2022-08-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act Barclays Bank DE XXXX has violated my rights. 15 USC 1681 Section 602 states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX XXXX sold my card to Barclays and upon the transfer I was locked out of my card and account ( since XX/XX/2022 ). Despite working with Barclays and being assured I would not have late fees or interest accruing during the time I was unable to access the account, Barclays has continued to charge excessive interest and late fee charges, in addition to falsely reporting delinquency on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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 received a box of XXXX delivered from XXXX.Did'nt order them, so i callen XXXX to ask why i received them? I was told it was part of an order placed online and the rest of the order would be comming from the seller.It... they said was an adjustable camping cot with mattress and the total charge placed on my Barclays cc was XXXX XXXX I told XXXX i never ordered anything from them and stopped the order. I also called Barclay 's and filed a disputed fraudulent charge with them. Two months later on XX/XX/2022 i received a reversal from Barclay 's putting the charge on my credit card.The e-mail addy usedXXXX is not and never was an e-mail that i ever used.I nor my wife ever placed an order for this at XXXX Other than the XXXX we never received anything else from XXXX I brought this fraud to XXXX and Barclay 's XXXX. and stopped the transaction before it was finalized.I have tried so many times to resolve this with them that they ( WalmartXXXX XXXX XXXX will no longer take my calls! Post office says tracking # was a 1st class 16 oz or less pkg delivered which i never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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 requested a {$5000.00}. Balance transfer from my BarclayCard credit card to my checking account. On XX/XX/XXXX I received the {$5000.00} requested amount and was charged a {$250.00} transfer fee. On XX/XX/2022, XXXX reported a duplicate {$5000.00} balance transfer and charged me an additional {$250.00} transfer fee - however, this balance transfer was not requested, nor was the {$5000.00} ever received. I contacted BarclayCard on XX/XX/2022, and they admitted this was an error on their part and informed me that the {$5200.00} would be credited back. On XX/XX/2022, I received a refund for the {$250.00} erroneous transfer fee. On XX/XX/2022 I again contacted Barclay Card regarding the {$5000.00} transfer credit that was not requested, nor was it ever received. I was informed that it would be credited back to my account within 10 days. On XX/XX/2022, I had not received the credit so I once again contacted BarclayCard. I was then told that the refund was in process and that I would receive the credit by the end of the month ( XXXX ). On XX/XX/2022 I once again contacted BarclayCard as I had still not received the {$5000.00} credit to my account. I was informed that someone would call me back within 48hrs and that the credit had still not been issued. It is now XX/XX/2022 and I have not heard back from anyone from BarclayCard nor have I received a credit back to my account. This erroneous balance has been and continues to be reported on my credit report and my most recent statement shows this erroneous balance, and my minimum monthly payment required is reflective of this erroneous balance. BarclayCard has refused thus far to correct their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022, I received a notification text and email from Barclays ( JetBlue ) credit card about possible fraudulent charges. As soon as I checked and confirmed that the card was not in my possession, I called Barclay 's fraud department and informed them that I did not authorize these charges and that I do not have the card in possession. One charge was at XXXX for {$310.00}. The second charge was at XXXX XXXX for {$130.00}. They told me everything was taken care of and they'd issue a new card for me. The charge was removed from the statement. In XXXX, these charges reappeared and I received a statement. I sent all the evidence with a narrative but they can not reverse these charges because I did not report them as " stolen ''. At the time, I wasn't sure whether it was stolen or simply lost. Only after the police investigations, it was confirmed that the card was indeed stolen and used by someone else. Barclays then wanted me to send them a copy of surveillance footage to prove that it wasn't me who actually used the card. It could not be done because it was still in the invest igation process. Instead, I sent them the actual police report. The investigator even offered to give a verbal or written testimony to prove that these were fraudulent charges but Barclays did not take any further actions. Their fraud department can not do anything about it and only the managers can reverse the decision. When I asked to speak with the manager, they told me it could not be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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: I opened a CFPB complaint previously, it was closed today. The response letter I received for my complaint was for a different customer, with a different issue. ( See attached ). My issue remains unresolved. XXXX from the XXXX office called me last XXXX to inform me XXXX ) that she would not be calling to update me any longer XXXX ) they know a credit needs to be issued, but informs me it will be issued on their remediation timeline. XXXX ) they forced me to make a minimum payment beyond what my accurate balance is in order to prevent the account from going delinquent. They refused to adjust the balance to the correct valance, or the minimum payment. XXXX ) that i would need to continue to pay any over-inflated minimum payment until they decide to resolve the matter XXXX ) they were closing the complaint because of their needed deadline, even though the matter is not resovled in any way, shape or form ... and now they have the nerve to send me the response of another customer, with his personal information of name, address, checking account details, etc. Barclays clearly has no controls in place what-so-ever. They refuse to comply with the law or handle billing disputes for duplicate balance transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My information was used without my permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been a Barclay 's credit card customer for several years in good standing. I never have balances, I always pay off my accounts in full each month. This card that was stolen was a back up card for me. It wasn't connected to a mileage program so i had it as an emergency card of sorts. I rarely ever used it. On XX/XX/2021, An electrician from The XXXX XXXX came to my home to install an electric car charger in my carport. Due to XXXX, he didn't come into my home at all. When it was payment time he said he'd process it in his truck. I was on a zoom with work, so I ran to my wallet, grabbed the first card my hand touched and it was the Barclay 's card. I gave him that card to pay for his visit. It was {$120.00}. He said he'd bring the card back and leave it on the ev charge box since I was dealing with my office. On XX/XX/XXXX, I left for XXXX for the XXXX holiday. I didn't get back to XXXX XXXX until XX/XX/XXXX or XXXX. When I got back I was removing all of my receipts, etc. from my trip out of my wallet into files when I realized I didn't have that Barclay 's card that I had given to the electrician. I saw him bring it back but I don't know if I forgot to take it from outside or if I dropped it in NY somewhere, but the card was gone. Once I noticed the card was missing I immediately called Barclay 's and reported the card stolen. Then Barclay 's informed me there were several charges made on the card during the possible missing dates. They went over a list with me and asked me if i had made each charge and each one, except for The XXXX XXXX, was not mine. It came out to about {$3100.00}. The credit card statement from Period XXXX is attached and shows these fraudulent charges. Barclay 's made my fraud claim anything but easy. Barclays initially credited me the full fraud amount back. Please see statement Period XXXX. BUT then Barclays charged me back for roughly half of the fraud charges with no warning or explanation. Please see statement Period XXXX. I called them and in Barclay 's fashion, was handed around from person to person after very long hold periods. The people in customer service barely spoke english and read general statements, they never listen to what you are saying. I was on the phone for a few hours and while no one seemed to understand how half of the fraud charges were put back on my card, one person in fraud said a police report would do the trick. I explained how in XXXX XXXX they won't give you a police report for simple theft. they have too much crime happening in XXXX country, but the person at Barclay 's said that was the only way to prove they were fraudulent charges. So with much effort, I was able to file a police report for the credit card fraud. I sent it to Barclays and nothing, I must have called every few weeks and it was a hassle each and everytime with no answers, just getting denials and people not understanding me. Finally in XXXX I reached a nice gentleman who spoke english and understood what i had been going through. he said the police report was never forwarded to the investigation group, so he said he sent them everything and I would be credited back all then interest fees and monthly minimum payments I had been making on the fraudulent amount so I wouldn't get any late payments. Well i've heard nothing and still see the fraud amount is on my card balance. I call barclays, customer service spends 30 minutes with me and then they put me on hold to pass me to fraud. The woman in fraud was useless. She said the police report isn't enough. I said how is an official police report not 'enough '. When Barclay 's said get a police report and it will be done. She kept putting me on hold to speak to some mystery person about other ways to prove my innocence. One suggestion was to go to the stores that the purchases were made and ask to see surveillance tape from the date the charge was made and if it shows someone else and not me that would clear me. This was insane. I explained to her that the credit card company is supposed to do the investigation, not me. I wasted dozens of hours with them already on this. Also, the stores listed are all over the country. I have never heard of something so asinine in my life. I then accused Barclays of fraud becasue it seems they are making it impossible to make me whole. I asked to speak to a supervisor and she told me you have to make an appointment for that. So I said make me an appt. Their 'appointment ' is a call anytime in the next 5 days in the morning. She said to be sure you have your phone on. I told her I work so if i miss the call what happens? And she said just keep the phone on. It's like speaking with robots. And I reminded her I have been a great customer with Barclays for years, no balances, etc. She stuck to her company line. So I am so frustrated and annoyed with all the hours I have wasted with that bank they leave me no choice but to make complaints about them now to force them into doing what's right and fair. i followed the rules in reporting and providing what they needed. I have never seen anything like this in my life. it's very suspicious behavior in my humble opinion. Once this is done I am cancelling all of my accounts with Barclay 's, they make you feel like a criminal as their customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
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: I was offered a credit card with Barclays XXXX XXXX 's credit card to do a balance transfer with a 0 % introductory offer. I used this offer to pay off a different credit card from XXXX XXXX. The transaction amount was for {$10000.00} with a fee of {$410.00}. The transfer was done on XX/XX/XXXX from Barclays to XXXX XXXX. Today is XX/XX/XXXX, and XXXX XXXX has still not received the transfer. I have called and emailed Barclay 's several times about this issue. They keep telling me that the payment was sent, but has not been cashed. XXXX XXXX has not received the payment to cash the check. On my statement from Barclay 's it says that they sent the check to XXXX. I do not have an account with XXXX. I have asked Barclays to provide proof that they payment was sent. They refused. I have asked for a picture of the canceled check. They refused. I have asked them to confirm what address the check was sent to. They don't know. They have offered no help any time I have contacted them. They are now asking me for payment. I have asked Barclays to just cancel the check at this point, and close my account. They are refusing to do both. I really need some help for what to do. The balance transfer never happened. What proof do you need from me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84045
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: 2022-08-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: The hardships I have faced financially due to covid 19, have only been MULTIPLIED and the emotional mental destruction caused by Barclays continual harassment, caused me to miss a deadline for saving my company from losing its physical commercial space, which has only caused loss of income and near demise of my small company. Barclays Bank of Delaware is a prime example of large corporations bullying and destroying the one man shops and businesses trying to make a new life and add to their community. I call these bully banks and I find it disgusting how they treated me in my state of emergency. XX/XX/2020- I need to double check dates/ I am still recovering from a XXXX I had shortly after this incident. And my memories of this event and others are accurate and sharp, but I get my numbers and dates mixed up due to my XXXX XXXX. Triggered in part by Barclays harassment. I was waiting for a call from uber help line to fix my account while I was trying ti get to a meeting with the landlord of my commercial space, as he was threatening to evict my shop from his building during Covid-19 which was illegal in itself and I answered a unknown number assuming it was Uber- it was a woman from Barclays and harassing me about my account and demanding when my payment would be made. And why I couldnt pay her now. I explained the urgency to get off the line so I can get Downtown to save my company from losing its space. And she wouldnt let me off. She continues to talk and harass me until it triggered my XXXX XXXX and caused me to have a XXXX XXXX and I finally got off the phone after telling her how unfair and disgusting it is that they lied about not paying your bill for 2 months wouldnt be a problem yet they still report your account to credit beureu as delinquent which continues to destroy credit scores. This is exactly part of the reason I can not restore my credit. But not only that- their harassment that day especially- I did not make it to the Dow town meeting on time. Why? Because they ensured I would be late by not letting me use my phone to call uber and get out on time. And then as Im about to get a ride. The XXXX calls me three times, and barges in on my apartment. Bc that Barclays had called XXXX on me and made them come harass me and delay me from saving my company from losing my commercial space. Without any help or anything, I didnt make it to save my space. I was forced to move out in 36 hours. And since then I have had numerous losses and wasted expenses I can not pay for, I have a destroyed credit score because of them, and I can not get a business loan. I only got one ppp loan and it was not enough to do anything to save my situation. I since then have lost over XXXX in lost income. And the mental emotional damages have nearly cost my life. Its unfair. Its disgusting. And its really destroyed my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A