Date Received: 2022-07-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: In XX/XX/2009 I opened an XXXX XXXX card. This card was closed by their bank for non-useage several years ago. They sold my information to a new bank and this bank ( Barklays ) opened a new card in my name without my authorization. This has negatively impacted mine and my husband 's credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did n ot grant you authorization to review my credit report. The Fair Credit Reporting Act req uires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. I f you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a call from Barclays Bank and I have a credit card through them through XXXX. They had my name and wanted to help get my payment posted because it was over due. To pay the bill they needed to verify my identity with the last 4 digits of my social. I entered that in and then the automated system gave my statement balance and wanted to set up payment. At this point I became suspicious and hung up but they had my voice on the call and they had my last 4 of ssn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55447
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Date : XX/XX/2022 Send To : Barclays Fraudulent Unit Attention : Barclays Fraud Unit Office Location : XXXX XXXX XXXX, XXXX, DE XXXX From : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX CA XXXX Phone Number : XXXX, XXXX Case Number : XXXX Fraud Case : XXXX, XXXX XXXX XXXX Case XXXX XXXX Fraudulent Credit Card use of Stolen Card Total Pages Including Cover : XXXX Urgent + Reply ASAP + Please Comment Please Review + For Your Information Comments : I am writing regarding my XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I applied for while in the air from XXXX, AZ to XXXX, XXXX on XXXX XXXX XXXX XXXX XXXX XX/XX/2022. This card was being promoted by XXXX XXXX to passengers onboard XXXX flights. Enclosed in the following documents you will find evidence that the card in question was approved and set up by Barclays while I was traveling with my husband XXXX XXXX from XXXX, AZ on Tuesday, XX/XX/2022 XXXX XXXXXXXX. The card was then mailed to my home at XXXX XXXX XXXX, XXXX, CA XXXX. On XX/XX/2022 while I am in XXXX, I received an email notification that the card application had been approved, activated and the pin changed. I immediately contacted the number on the email, having the help of the hotel concierge to place the call from the lobby, as it was difficult to call by cell from our location in XXXX to USA with weak cell service and the hold times in trying to get through to Barclays. I informed the employee at Barclays ( XXXX ) of the stolen card, explained that I was traveling in XXXX and it was not me using the card. My son-law, who lives next door to us in XXXX, CA contacted us the same evening and told us the mail boxes on our street were broken into and the mail stolen. He replaced the broken lock. My daughter in law witnessed the thief running away with the mail, as did a neighbor who both were alerted by their barking dogs of the theft in progress. The police were called, and they recommended filing a federal fraud case for stolen mail. The case is : USPS Fraud Case : XXXX. The federal department agent recommended filing a fraudulent credit use case, and the number is : XXXX Fraud Verification Code : XXXX for reporting fraudulent credit card usage of XXXX XXXX ending in XXXX and XXXX. On Saturday, XX/XX/2022 I received an email from Barclays that my account statement was ready and that I owed in excess of {$620.00}. I immediately contacted Barclays Agent XXXX, then XXXX and two other agents who assured me that the account was blocked. I requested that they cancel the account and close it. I was told that a fraud investigator had determined it was me that had the card in hand in XXXX, CA and had made the charge ( s ) as a chip was used and that can not be copied. I agree that SOMEONE had the card in hand, which was stolen form my mailbox and were able to activate and use it without my approval or knowledge. Mail theft is a federal crime. Your company accusing me of using it myself while traveling out of the country verifiable by XXXX XXXX receipts and other documents. To me this entire episode amounts to elder abuse. I have suffered health issues including XXXX XXXX XXXX and XXXX XXXX dealing with this issue. I trust you will change your conclusions upon receipt of these supporting documents proving I was in XXXX XXXX during the fraudulent use of my card in where your report says it was used in XXXX XXXX XXXX XXXX, Transaction Date XX/XX/2022 ( which happens to be my birthday ). I was in XXXX not XXXX. Please resolve this case immediately. Sincerely, XXXX XXXX XXXX : Account ending in XXXX -which was closed and instead of cancelled upon request on XX/XX/2022 upon receiving email from Barclays indicating card had been activated while I was traveling in XXXX XXXX changed to Acct ending in XXXX. I received a letter saying that the fraud investigation was completed and it was determined I did not owe the said about and was not responsible for charges on XX/XX/2022. Since then my phone is being called 2-3 times a day requesting I pay-re collections. I called Barclays twice. One person said I owed XXXX. One said I was required to pay as I was responsible. This is harassment and elder abuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
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, my account was charged {$730.00} by XXXX XXXX. I reported this charge as fraudulent on XX/XX/2022 and my phone records prove this call. I called XX/XX/2022, to confirm why this charge was not suspended and discovered that I had been incorrectly charged late fees and missed payment fees. Barclay had failed to mark this charge as fraud. This XXXX charge should be suspended, and these late fees and missed payment fees should be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: My wife and I received XXXX XXXX credit cards ( with Barclays bank ) that we didn't apply for. Many years ago we had an XXXX XXXX credit card through XXXX XXXX but it was closed a long time ago ( many years ). My wife called Barclays and they informed her that XXXX sent Barclays our information. We did not receive any notifications from XXXX that our personal information ( tied to a closed account ) was transferred to another bank, nor did we approve it. The credit card account was opened without our consent or knowledge. I called XXXX bank to inquire why our personal information ( names, XXXX, address, ... ) was shared with another bank and the account was opened without our knowledge, the banks employees I spoke with ( XXXX with customer service and XXXX with the fraud department ) couldn't provide an answer and were not able to help. The phone call with XXXX took place on XX/XX/2022 at XXXX XXXX until XXXX XXXX when it got disconnected by XXXX. Not only these banks opened an unsolicited account, they went as far as collecting our updated personal information ( such as my changed first name and new home address ). What XXXX and/or Barclays did is fraudulent and needs to be addressed accordingly by the authorities to stop this from happening again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have a balance on a Barclay XXXX XXXX with a high interest rate. I opened a new credit card with a different bank so I could transfer the balance from my Barclay card on to the new card and take advantage of 0 % interest on balance transfers. On Friday, XX/XX/XXXX, I contacted Barclay expressing my wish to close the account and have my balance transferred to the new card. The representative from XXXX immediately began reading from a script about how they ( Barclay ) has 0 % interested on balance transfers and how I'd be charged a 5 % balance transfer fee. I was confused, since I wasn't transferring money TO Barclay, I was transferring AWAY from Barclay. It was the new credit card that would be giving me the 0 % interest and charging the fee. In hindsight of course, I realize I probably should've initiated the transfer through the new credit cardbut this was the first time I'd done this and not ONCE did the representative offer this suggestion to me. I explained again, very clearly, that I was looking to close my account and have the transfer moved over to the new card. Again, he began reading from a script. I interrupted and explained it to him a third time. He put me on hold for awhile, then came back and said he understood and was going to start the transfer process. I confirmed that he understood what I wanted to do. He said yes. He asked for the new credit card number and gave me a balance transfer confirmation number. He said to expect the transfer to happen in 7 days. On Monday, XX/XX/XXXX, someone from Barclay 's fraud division called saying they due to the balance transfer request, they'd flagged my account. She said she was calling to confirm I initiated the transfer. I thought this was strange, seeing as I was essentially paying off my balance on the Barclay card, but assured the caller I had initiated the transfer. She told me they were lifting the fraud alert. On Wednesday, XX/XX/XXXX, I discovered the balance transfer process had been done incorrectly, despite me explaining at least four times to the Barclay representative. They sent a check to the new credit card company, not for my existing balance, but on top of. This caused my balance with Barclay to double, and a large credit on the new credit card ( because there was no balance to pay off ). On top of that, they charged a 5 % balance transfer fee on an incorrect transfer. I contacted the other bank to let them know of the error, because I can not deal with this company any longer. They told me they aren't sure there is much they can do. So now I am in the middle. It is on me to spend hours away from family and my job to try to fix an error I did not create. This credit card company has been a nightmare to deal with from the beginning, but this is the last straw. They have put fraud alerts on my account or suspended it for no reason, been hard to communicate with, and continually make it as difficult as possible to be a customer. I finally reporting them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotional email on XX/XX/XXXX indicating a promotional financing offer on all new purchases made between XX/XX/XXXX and XX/XX/XXXX. I made several purchases that cleared on XX/XX/XXXX, but did not receive the 7 month promotional financing. I reached out via Barclays chat customer support line on XX/XX/XXXX after noticing interest was being charged to my account. The CS representative was unable to offer any APR reductions or offer the correct special financing period as initially indicated in the email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95348
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
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: 0n XX/XX/XXXX I purchased airfare in the amount of {$870.00} from XXXX XXXX. I paid my credit card bill in full and the airfare was on that bill. On XX/XX/XXXX, XXXX cancelled my flight. XXXX elected to only credit the outgoing flight which was {$320.00}, on XX/XX/XXXX. They told me they would " issue a credit '' and were not clear that it was only outgoing. I contacted XXXX multiple times asking how I was going to use a return flight when they didn't get me to my destination. Realizing XXXX will be a hassle, I went through the fraudulent purchase process with Barclays and they issued a credit of {$540.00} on XX/XX/XXXX, case # XXXX. ( The difference between {$870.00} and the partial credit XXXX provided. ) On XX/XX/XXXX, XXXX issued the remaining credit. Barclays hit my credit card with {$870.00} in charges ( confirmed in attached letter dated XX/XX/XXXX ) saying I had to return the credit they issued to me. ( Their credit was {$540.00} ) I've contacted Barclays 3 times. Every person I spoke to ( XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX @ XXXX XXXX ) said I am owed a credit of {$320.00}. The 3 people listed above said they can not issue the credit the " back-office '' department or the " Higher department '' has to issue the credit. They said these departments do not have incoming telephones/telephone numbers and I must wait 1-5 days for them to call me. ( which is why I waited until XX/XX/XXXX and subsequently XX/XX/XXXX to call them back. ) XXXX said he would alert/ escalate and tell hem it is past the time frame. No one has returned my call. Yesterday, XXXX told me to wait another 1-5 days and I advised I would be taking my complaint to you if they did not return my call on XX/XX/XXXX, as I've already waited their 1-5 days, twice. They are looking for me to pay an additional {$320.00} they did not credit to me. Essentially, this is fraud and basic math that a credit card company should have properly automated. Every call is at least 30 minutes for the person to research, confirm I'm owed the credit and then tell me I have to wait 1-5 days for resolution, I've done the same thing to resolve this 3 times because they won't let me talk to the " back office/ higher office. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19606
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I went online to pay my Barclaycard US bill on the day it was due. I have paperless billing. On the home page when I logged in on my personal computer, I saw a " posted transaction '' of {$29.00} for a late payment fee. When I tried to dispute the charge using the online option with the transaction, I received a pop up message that the charge was not eligible to be disputed using the form and to call. Since I was not late I immediately called the company and was told that they automatically post the fee on payment due dates and that it is automatically removed when a payment is paid on time. They also said that it was in my agreement and that the only way to avoid it was to pay before the due date. I checked my previous transaction history and saw XXXX additional {$29.00} late fee transactions on XX/XX/22 and XX/XX/22 in addition to the XX/XX/XXXX charge. The transaction states " on statement as LATE PAYMENT FEE ''. My due date is the XXXX of each month and my payment was made on time for both of those dates which the representative verbally validated. When I asked for them to show me where to see where the charges were removed or credited back, I was told that it's done automatically and doesn't show on the transactions or statements. The problem is that neither the fee nor the removal shows on my statement in spite of the fact that the transaction says it shows on the statement as a late payment fee. It also doesn't show as an additional transaction. I told the representative that if I was charged then I should also be able to see where I was credited and asked where I could find that information online or on the statement. They basically told me the system wasn't set up that way and that the late fee transactions, both charge and credit, wouldn't show up on the statements or online if a payment had been made on time, and that if it wasn't on the statement then I didn't need to worry and that it had been removed. They confirmed a late charge is charged and I have that documentation in the transaction but no way to confirm the charge was removed. Additionally, if they state that a transaction is on a statement in writing but verbally say it won't show if my payment is made on time, then I have no way to validate the removal of the charge. I can't believe it is legal to charge and credit my account without the charge and credit showing on my statement or the credit not showing as a transaction on my online account. How are they allowed to state a transaction will show on a statement and then not do it? When I asked for documentation of late charge removal for the three dates, they said it would take 7-10 business days to be sent to me. I shouldn't have to request documentation of a charge removal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A