Date Received: 2024-01-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Barclays XXXX XXXX XXXX XXXX XXXX keeps lowering my credit limit for no reason. I have never missed a payment, always make more than the minimum payment and have the income to support the credit card. I can only assume that there is an issue with age and gender discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I opened up an account with this company in XXXX with my name address and social security number. I have charge offs and late fees from Barclays Bank Delaware. The dates the card was open was XX/XX/2019. I never received a bill or anything from this company. I had no idea I have a balance of {$490.00}. I have reached out to them XXXX times and I never heard anything back from them why I never got a bill or anything from the company since XXXX. I never got a email or bill from them saying the account was closed either. I want the charge off and late fees off of my account since I have no idea about this and not my fault
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: During a flight on Frontier there was a promotional offer of 0 % interest for the first 15 months of opening the account. Plus additional XXXX bonus miles. I have excellent credit and fly often so I thought it was not a bad idea to get the cars for these promotions. I got the card in XX/XX/2023. The first problem was I was not receiving statements and I had wondered about how to go about getting the bonus miles. I called into the number on the back of the card which also is hard to navigate through their auto reply system which hung up on me many times. After getting through a rep explained to me that in order to get the bonus miles I needed to pay an annual fee which I did pay her that day and I asked if everything was okay on the account otherwise and that I was getting a 0 % promotional interest rate for the next 15 months but now it would be about 13 since the card was opened a few months prior. She said yes you do have the 0 % promotion on the card and everything was good to go bc I was on auto payment. I also requested to have my statements mailed because I can not see my charges and she said she would set that up. Months later I called in because I still was not receiving statements and could not see what I was being charged. The rep which I was on the phone with for about 2 hours in XXXX told me that I was actually being charged am insane amount of interest which was over 20 % for months now and it was around {$1200.00} in total so we went back and forth about it and he said he needed to have time to review my phone calls with the previous reps in order to refund the interest being charged to be but that he would call me back on XXXX XXXX between the hours of XXXX XXXX XXXX and we would go over the details but that in the meantime he could stop the interest being charged if I could pay the card off. I paid him the {$12000.00} that day on the spot and he talked me out of closing the card because he was going to help me with getting the interest credited back to me after he listened to the previous calls so I gave him the chance to fix this. I believe his name was XXXX. I never got a call back from him but he did turn my mail statements on so that I could see they once again charged {$290.00} after I just paid all that money to pay the card off and he told me he was going to make sure my account was corrected. So now I am still getting the run around at getting this card straightened out and getting the interest back when all along I was being told it was 0 % for 15 months. Please help me get to the bottom of this. They are probably taking advantage of other consumers also. It also is very sneaky to set up a person on auto pay and to not send them statements for them to review. My amount of interest so far in XX/XX/2023 is {$1200.00} which is supposed to be {$0.00} for the first 15 months. Not to mention all the hours I have lost due to being on the phone with them to fix this and get the run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
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: A merchant called XXXX charged my credit card {$230.00} twice on XX/XX/ ( totaling {$460.00} ). I did not make the charges or receive any merchandise from the merchant. I disputed the claim. Barclays ( credit card company ) sent me XXXX two letters stating that they investigated the dispute and determined the merchant provided documentation to prove the charge. I called Barclays, but the agent was not forthcoming about merchant information. The agent did not explain what the charges were for or where the products were mailed. The agent reopened the case, but Barclays has not communicated information. I don't understand why Barclays would not explain their findings. They could have provided the merchant 's contact information but didn't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28120
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For my Miles & More end by XXXX, I submited additional material on XXXX and the security team said I'm approved. However a month later the Barclays told me the card is not approved. I no longer want this Miles & More credit card bceause of this unbelieveable service provide. However, recently I received the annual fee bill from Email notice. I would like to ask Barclays close this card immediately and waive all fee since the customer service declaread " it is not approved ''. I had try to call the president office relative staff many times and send response throught XXXX but I never can get touch with anyone. The due date of payment is XXXX, XXXX, which is today. I also need to ask remove the late payment notice from my credit card report since this is not my fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the XXXX that XXXX financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX and Barclays Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : under the written instructions of the consumer to whom it relates. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make XXXX consumer report containing XXXX of the following items of information XXXX other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
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: To the best of my recollection, I used a subsidiary of XXXX XXXX, Incorporated, on Monday, XX/XX/, in XXXX, Vermont, to make one reservation for one hotel room for one day at XXXX XXXX in XXXX, XXXX, XXXX. That subsidiary of XXXX XXXX, Incorporated, is called XXXX. Also, to the best of my recollection, I certainly clicked on a computer icon in which I wanted to have a guaranteed refund for my hotel room reservation because I was worried about the possibility that I would be detained at the XXXXUnited States border due to the allegedly random searches of the XXXX Border Services Agency . In fact, according to my United States passport book I certainly visited XXXX on Saturday, XX/XX/, which happens to be on the same day I participated in the physical tests required to potentially become a New Hampshire State Trooper. On Saturday, XX/XX/, members of the XXXX government purportedly detained me in XXXX based on their claim that I was being randomly searched. Since this ordeal took up a lot of my time, I do remember quite clearly that in the future I wanted to reserve a hotel room in XXXX in which I would receive a guaranteed refund for my hotel reservation when or if I would have to endure a supposedly random search at the XXXX-United States border . So, even though I don't claim that I have a perfect memory, I do remember that I definitely chose to accept the option in which I would be given a full refund if I could not get to my hotel for some reason or reasons that would not be my fault in a legal manner. Moreover, my decision to choose to get a full refund for my hotel room at XXXX XXXX is very similar to my decision to buy car insurance for the cars that I rent for personal reasons and/or when I am on a business trip. I also wish to include part of the electronic mail that I sent to the XXXX XXXX on Sunday, XX/XX/XXXX : " It was my goal to arrive in XXXX, XXXX, in the evening or at night on Monday, XX/XX/. Moreover, I was detained at the XXXX XXXX border for no legally valid reason on Monday, XX/XX/2023. The end result of this detention was that my time was wasted because the XXXX XXXX XXXX XXXX found absolutely nothing illegal while I was detained, and the XXXX XXXX XXXX XXXX claimed that I was being randomly searched. Therefore, by the time I left the XXXXUnited States border, it was around XXXXXXXX XXXX. or XXXXXXXX XXXX. to the best of my recollection. The XXXX XXXX was going through construction and/or there was ongoing construction near the XXXX XXXX on Monday, XX/XX/, and on Tuesday, XX/XX/. Furthermore, the XXXX XXXX was dimly lit which made my endeavor to find the XXXX XXXX even harder. In addition, I should mention that I'm an American citizen and that my Global Positioning System device or GPS device only works properly in the United States of America. Also, to the best of my recollection, I only had minimal access to the internet on my laptop and on my cell phones. As a result of these problems, I most likely arrived at the XXXX XXXX at around XXXXXXXX XXXX ( XXXX ) or XXXXXXXX XXXX ( XXXX ) on Tuesday, XX/XX/2023, and to the best of my recollection I made a legitimate attempt to enter the XXXX XXXX on Tuesday, XX/XX/2023, at around XXXXXXXX XXXX ( XXXX ) or XXXX XXXX ( XXXX ). However, there was no one there to open the door for me or at least no one made the attempt to do so. It is certainly not my fault that no one made the effort to allow me to have access to the XXXX XXXX at that time. To the best of my recollection, it was around XXXX XXXX ( XXXX ) or XXXX XXXX ( XXXX ) on Tuesday, XX/XX/, that I spoke with a lady who is ethnically XXXX. She claimed to be an employee of XXXX XXXX. One of the concerning observations I made while having a conversation with this lady in XXXX was that her responses to me were very scripted. In other words, after I explained the details of my ordeal concerning my objective to stay in one room at the XXXX XXXX, this female employee couldn't care less about the problems I endured ( in my opinion ). When I was speaking with this female employee, I was kind enough to offer to stay at the XXXX XXXX the next day to make up for my first attempt to stay there, but this female employee informed me that I would be charged for two days rather than one day if I made this decision. Consequently, I decided to politely escalate this matter and speak with the manager. This female employee explained to me that the manager would be ready to speak with me in about twenty to thirty minutes ( to the best of my recollection ), and I agreed to meet with the manager at this time. When I met the person who claimed to be the manager, I would argue that I had the same callous experience as I had with the female employee. The manager is a XXXX XXXX with dark hair ( to the best of my recollection ), and he started an argument with me while expounding that I would never get my money back under any circumstances. '' The amount that I was charged using XXXX was {$76.00} for this hotel reservation at XXXX XXXX ( which is an amount in American dollars ). Based on my knowledge of the law, I am legally entitled under both the laws of the United States of America and XXXX to receive a full refund in the amount of {$76.00} immediately because that amount of money was stolen from me by XXXX XXXX XXXX XXXX XXXX, Incorporated, and/or Barclays, XXXX XXXX To the best of my recollection, on Friday, XX/XX/2023, I made a reservation with a company called XXXX XXXX XXXX. In addition, the company 's internet website is located here : XXXX XXXX XXXX. Once again, I made a reservation with XXXX XXXX, Incorporated, and I specifically made that reservation using XXXX XXXX, Incorporated 's subsidiary, XXXX. It was actually on Monday, XX/XX/, that I received a phone call from a lady who claims that she is called XXXX, and she also claims that she works for XXXX XXXX XXXX in XXXX XXXX, California. I am able to provide the United States government with evidence that my cellular phone received a phone call from a lady who claims she is XXXX when I was at XXXX XXXX International Airport on Monday, XX/XX/. The lady who claims she is XXXX informed me at about XXXXXXXX XXXX ( Eastern Standard Time ) that she has decided as a representative of XXXX XXXX XXXX to cancel my reservation. I informed this lady who claims that she is XXXX that she had no right to simply cancel my reservation for one automobile. I told this lady who claims she is XXXX that a lot of flights from XXXX to other cities were cancelled or delayed because of the weather that day in the XXXX United States. I also explained to her that if she is going to cancel my reservation, I am entitled to a full refund. That refund is in the amount of {$330.00}. I am ready to provide evidence to the United States government that XXXX sent me electronic mail on Monday, XX/XX/, at XXXXXXXX XXXX. ( Eastern Standard Time ) in which the following message was conveyed to me : " We regret the inconvenience this has caused you and would be happy to reimburse your reservation. '' I am able to conclude that XXXX XXXX XXXX, XXXX XXXX, Incorporated, and/or Barclays, XXXX XXXX legally owes me {$330.00} for the XXXX XXXX XXXX reservation that a lady named XXXX chose to cancel on me. My legal argument which is based on the evidence is that I am owed a total of {$410.00} for the amount of money that was stolen from me considering that {$76.00} plus {$330.00} is equal to {$410.00}. I am also willing to begin a process of litigation against XXXX XXXX, Airport XXXX Rental, XXXX XXXX, Incorporated, and/or Barclays, XXXX XXXX for my legal rights and on behalf of others in the form of a class-action lawsuit. Therefore, I, as well as others, deserve justice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12110
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Every time ( at least XXXX instances ) that I try to log into my Barclays XXXX XXXX XXXX account on-line over the last 3 months, I have had to waste XXXX minutes re-setting my password just to access my on-line credit card account AT ALL!!! I know I am typing the correct password EACH time since I save it onto a master XXXX spreadsheet. This is BLATANT, UNETHICAL, and FRAUDULENT retalliation for my filing a small claims court lawsuit about 7 months ago against Barclays, on which they paid my FULL demand to settle out of court. XXXX XXXX XX/XX/24
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hi, I had my AAdvantage Aviator credit card ( ending in XXXX ) for a year and I was charged an annual fee of {$99.00} on XX/XX/XXXX. Since I wasn't using the card or XXXX XXXX as much as I thought, I decided to close the card to avoid the annual fee. I called customer service at ( XXXX ) XXXX on XX/XX/XXXX at XXXX to close the account in a call that lasted 9 minutes. However, my account was not closed and {$99.00} was taken from my bank account on XX/XX/XXXX. I noticed this and called the same customer service number on XX/XX/XXXX at XXXX in a call that lasted 5 minutes. I was assured the annual fee would be returned and to be patient. I called in on XX/XX/XXXX to check again and I was told I did not cancel my card until XX/XX/XXXX, which was more than 60 days after the annual fee was charged on XX/XX/XXXX. The customer service representative told me they have no record of my call on XX/XX/XXXX. I have a record of that call on my phone ( screenshot attached ) and there would have been no other reason for me to call customer service except to close the card. Thank you
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: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ' card that we used for years at retailer, specifically XXXX grocery stores. Presumably, there is funds to be used for my now XXXX child. I am unable to get any information on the balance of this account. The phone number only verbally redirects to websites. The website isn't useful. Online support takes over a month. Online searches indicate this company may be a scam, and that seems consistent with my experience so far. Taking money and not paying out or disclosing details seems to be a fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A