Date Received: 2022-06-28
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: There were multiple fraudulent charges on my Barclays credit card on XX/XX/XXXX & XXXX. Barclays flagged these charges and contacted me. I went through the charges with a Barclays representative and two of the fraudulent charges I noted were from a merchant called XXXX XXXX XXXX. There were two charges from this merchant - one on XX/XX/XXXX for {$30.00} and one on XX/XX/XXXX for {$30.00}. Barclays closed my account and issued a new card. Initially only one of the fraudulent XXXX XXXX XXXX charges was removed. So I called back and asked for the other charge to also be removed. The representative I spoke with assured me that it would be removed. However, instead of removing the remaining fraudulent charge, Barclays added back the second fraudulent charge. Barclays also sent me a letter stating that I had personally confirmed the validity of both charges. I called back multiple times attempting to get the two charges removed. Eventually, I was given two {$30.00} credits to compensate for the fraud charges, but Barclays never actually removed them or deemed them fraudulent. The following week another {$30.00} XXXX XXXX XXXX charge was posted to my account and back-dated to XX/XX/XXXX. So at this point, I had three fraudulent charges posted on my account. After calling Barclays, they issued another {$30.00} credit, but again wouldn't remove the fraudulent charge. Now this week, Barclays posted a fourth fraudulent {$30.00} XXXX XXXX XXXX charge, also back-dated to XX/XX/XXXX. At this point, I have no choice but to close the card. However, it is clear to me that Barclays has a relationship with the fraudulent XXXX XXXX XXXX merchant. They repeatedly refuse to remove these fraudulent charges and keep adding a new one every week. I don't understand how they can be so brazen about defrauding their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have two credit cards with Barclays. Yesterday, my accounts were charged two " XXXX XXXX Fee '' : one was {$15.00} and the other one was {$29.00}, which I did not request. I have contacted the company to cancel the transaction or waive the fee, but the company refused it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My XXXX XXXX credit card was recently transferred from XXXX to Barclays. I received the new credit cards ( one for me and one for my husband, who is an authorized user ) in the mail a few weeks ago. The mailer says to contact Barclays to activate the cards after XX/XX/XXXX. When I called Barclays on XX/XX/XXXX they won't activate my cards and they are telling me to contact XXXX, where my account shows as closed. Barclays may have therefore is not permitting me to access my credit, but they have not provided me with an adverse action letter if they took adverse action to restrict my credit card account. The letter with the cards indicates that I have a credit line and should be able to use it. It would be a violation of Regulation B for a creditor to take adverse action without providing an adverse action letter. Additionally, it seems unfair and deceptive to send a credit card and tell the person to activate the account, but then not permit the person to activate or use the account with no path to be able to use the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80209
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XX/XX/XXXX, I looked at my Barclay 's UPromise Mastercard bill online and saw a charge for {$2200.00} from XX/XX/XXXX, from a XXXX XXXX XXXX in XXXXXXXX XXXX. I have never made a charge exceeding {$100.00} at a convenience store, so I knew the charge was fraudulent. I called Barclay 's immediately to cancel my credit card and dispute the charge. Barclay 's credited my account with the full {$2200.00} initially. However, the {$2200.00} charge reappeared on my credit card statement in XXXX. I called Barclay 's again to ask why this charge reappeared on my statement. The representative said they would need a written letter from me disputing the charge. On or about XX/XX/XXXX, I mailed a letter to Barclay 's again disputing the fraudulent charge. I explained that we had been in XXXXXXXX XXXX and to the convenience mart in question on the weekend before XX/XX/XXXX. We purchased only a small amount of gas at the store because our car gas thank was almost on empty, and the gas price at the store was more expensive than other stores. The purchase was for no more than {$20.00}. The gas pump worked slowly, and the store clerk came out to check on us. I believe we had to go inside to pay for the gas because the pump would not take the card, but I am uncertain. In any event, we paid for the gas and left the station. We certainly never purchased {$2200.00} worth of merchandise. In fact, the store was so small and run down, I think a {$2200.00} purchase would have bought all the merchandise in the store. ( I have attached a photo of the convenience store, so you may see its size and general condition, which supports my statement that there was not much in the store to purchase. ) I received a letter from Barclay 's on or about XX/XX/XXXX, stating that our charge of fraud had been denied due to a " pattern of purchase, '' which was unbelievable given the amount of the alleged purchase made in a very small convenience store. I reviewed our credit card statements for the XXXX period preceding the XX/XX/XXXX, charge, and I found that we had not made a purchase from a gas station or convenience store for more than {$80.00}, and those purchases were for gas. I am submitting a copy of my account analysis from the past XXXX months for the " everyday spending '' category, which is the category in which purchases at convenience stores and gas places appear. Note that all of my purchases are much lower than the {$2200.00} purchase. In fact, most months, my charges on this credit card are under {$1000.00}. I wrote Barclay 's a second letter, dated XX/XX/XXXX, requesting copies of any and all evidence they used to support their denial of my claim of fraud along with copies of receipts evidencing the purchase and copies of any signed receipts for the purchase. I also requested copies of any statements made by the store owner and/or store clerk regarding the charge. Barclay 's has failed to acknowledge its receipt of my letter, and it has failed to provide any evidence supporting their faulty conclusion that the XX/XX/XXXX purchase in the amount of {$2200.00} was not a fraudulent purchase. I am currently accruing interest charges on this {$2200.00} purchase I did not make. I believe Barclay 's made this decision to deny my fraud claim without merit or evidence to support its decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
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 have contacted barclays bank more than 7 separate times to dispute fraudulent charges. Each time I spoke with XXXX, the charges were recognized as fraudulent, and each spokesperson said the charges would be taken care. Six months later, I am still receiving calls and emails demanding payment on these fraudulent charges, and now my credit score is negatively effected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93901
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/2022 I sent out a letter asking for them to send me my form 1099-c that they should have sent to me when when they filled the account as a canceled debt/ Charge off to My address. i have not heard back from them at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. They are : XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported : XXXX. XXXX, XXXX BARCLAYS BANK DELAWARE Reported : XXXX XXXX, XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
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 lost my wallet and had multiple transactions on my XXXX card that I did not make. I called XXXX as soon as I realized this and I was assured all transactions would be looked into. I had the need to call XXXX extra times as that didn't happen. Now I am seeing all charges re-posted and customer service does not know why. I received no communication about this as well.
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: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
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 am the victim of at least {$39000.00} in unauthorized credit card charges allowed by Barclays against my XXXX XXXX bank account since XXXX - see attached list detailing unauthorized credit card charges. The list was provided by XXXX XXXX. XXXX XXXX says that these {$39000.00} in charges were electronic payments authorized '' by Barclays against my account ; yet XXXX XXXX can not tell me who at Barclays authorized these charges, and to whom payments were made. This is rather alarming, given the fact that I never used my Barclays credit card, or authorized anyone else to use it. I had a certified letter sent on my behalf to Barclays on XX/XX/XXXX ( copy attached ), asking them to explain how {$39000.00} in Barclays credit card charges - every one from a different credit card number ( some 59 in all ) - could be found to be authorized? And if so, to whom said payments were made? Interesting enough, Barclays also confirmed that no one else has a Barclays credit card with my name on it ; yet they can not explain how the charges were made against my account. All they will say is that the charges were " authorized '' (? ). On XX/XX/XXXX, I received a letter from Barclays ( copy attached ) noting that if I feel that fraud was involved, that I write to their fraud team at Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX- which is surprisingly where my first letter was sent. This seems to be extremely non-responsive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A