Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We have used the XXXX credit card acct for almost 20 years and we have recd no distributions nor any response from the company. We only have {$2500.00} in the account and have no way to access the acct nor been able to contact anyone from the company. We have been dealing with this issue for over a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21784
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My experience with Barclays which issues the XXXX XXXX XXXX card was really bad. The XXXX % ARP promotion that I initiated was not fulfilled yet the transfer was completed at the full interest rate and a 5 % fee. The reason given was that the check was used after the date specified. Barclays should have rejected the balance transfer since the check used to initiate the transfer specifically for a 0 % promotional offer and no where did it say that using the check after the specified date would automatically trigger a different interest. Barclays completed the balance transfer requested, took a {$750.00} ( 5 % ) transfer fee but started charging me 25.24 % APR on a balance of {$15000.00}. By the time I realized that Barclays was not fulfilling its obligation of 0 % APR for the initial period, I had already been charged and had paid a total of {$750.00} in on time fee and {$1400.00} in interest for a 4 month time frame on a {$15000.00} balance transfer. All this is in addition to a {$99.00} annual fee that I pay for this card. Eventually I was able to avail the offer from another bank to meet my temporary needs and pay off the balance in full. I would like all Fee and Interest refunded to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX Barcalys Bank Delaware, submitted hard inquires on my credit report. I have never done business with them. I have not applied for credit in at least a year. I also have an active fraud alert on my credit report. I spoke with them in XXXX regarding that incident and was advised that this inquiry would be removed within 30 days. Yet is was never removed. Further, when attempting to make contact with them regarding the XX/XX/XXXX inquiry, I am stuck in a phone tree and the system hangs up on me. I contacted XXXX and they advised that in order to have this inquiry removed, I need a letter from Barclays. Because I am unable to contact them, I am unable to get a letter to have these inquiries removed. Please help me get them engaged so these inquiries are removed from my credit report. Also, please notify them that I NEVER want to do business with them so they do not have my permission to EVER run my credit. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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: This is a follow up with additional abuse by Barclays related to the claim # XXXX. Today I found another charge for {$63.00} pending from XXXX on my account which I closed! They have since sent me XXXX credit cards that I HAVE NOT ACTIVATED yet somehow this charge is pending on a card ending in XXXX. I saw that this account could be locked, so I locked it. This abuse has got to stop. How are cards being activated when I am NOT activating them?! All I want is my money refunded that was fraudulently charged on my account and to be done with Barclays. I never want to deal with this company again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX I logged in to my current account I have with Barclays XXXX XXXX to review balance and payments due for my Navyist Rewards Master Card XXXX. After I did log in, I noticed there was another credit card Jet Blu Plus Card XXXX with an available balance of {$8000.00} which was opened without my knowledge and I have never requested for. After I noticed about this, I checked my bureau credit report and there is a report for this inquiry I never requested for. I also can see the personal information ( Address and phone number ) does not match with my current personal information. I moved to my new address on XXXX, XXXX and Barclays Card was still sending promotional letter to my old address. I placed a hold of my email and updated on my Barclays mobile app, my personal information to my current credit card I have with Barclays US Bank ( Navyist Rewards Master Card XXXX ). I have tried to contact Fraud for XXXX consecutive days to Barclays Bank but they do not pick up my call after I am waiting for more XXXX hours in the line to report this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29605
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: 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 paid my entire balance of {$1000.00} from by bank and had a {$0.00} balance. 10 days later they took {$1000.00} again. I contacted them on XX/XX/XXXX. I wanted the money direct deposited and he said he could only mail a check and said he did. XX/XX/XXXX I call in upset because Ive had no check. They essentially blamed me and said there was nothing they can do to solve what happened. The manager got on the phone and agreed. He finally said try to cancel the payment from my bank. I still had no funds for 14 days due to their error. I would like a {$50.00} credit on my statement for the loss interest I would have made and their failure to comply with my request to get my money back with a negative balance. Total failure by Barclays XXXX XXXX card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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 currently in a major dispute for fraudulent charges between XXXX with Barclays Bank regarding my JetBlue XXXX XXXX. Despite a detailed discussion with a representative on XX/XX/XXXX ( when the fraudulent activity was first brought to my attention ) and assurances in line with Barclays ' {$0.00} Fraud Liability protection, I was dismayed to find all of these charges were taken off and then re-added to my account, totaling {$1800.00}. Barclays ' commitment, as stated on their website, assures customers that they are not responsible for unauthorized purchases reported to you, regardless of the card 's status. This assurance is a cornerstone of my trust in their services, and its breach is a matter of grave concern. I would like to highlight the following critical points for your immediate action : Questionable Investigation : I was informed that these transactions are being challenged because someone physically used my card 's chip. However, this does not align with the presence of the dozen or so XXXX charges on my statement, which are purely electronic. This inconsistency raises serious doubts about the thoroughness of their investigation, suggesting a lack of due diligence. Location Discrepancy : I work in XXXX XXXXXXXX XXXX six days a week, making it impossible for me to be in the XXXX making purchases at XXXX or any food places during the period of these fraudulent transactions. If anybody looked at my previous statements they would see I never have been in the XXXX and use my card sparingly. Barclays should have picked up on these fraudulent transactions sooner then a 10 day period. There are charges from XXXX of {$500.00} and {$200.00}. Why would I do that? I didn't!!!! Authorized Transactions : The XXXX XXXX charge on XX/XX/XXXX ( {$9.00} ) and the XXXX XXXX on XX/XX/XXXX ( {$4.00} ) were the only transactions made by me. Disputed Amount : The remaining balance of {$1800.00} represents fraudulent activity, and under their zero liability policy, I should not be held responsible. Additional Evidence : I have already sent in my XXXX Account statements, and work schedule to corroborate that I couldn't of been in the XXXX during any of these purchases. Post-Compromise Charges : All purchases after receiving the new card on XX/XX/XXXX are legitimate and fully paid. The current situation not only contradicts Barclays ' stated policy but also reflects poorly on the rigor of the investigation into these fraudulent charges. I have spent atleast 5 hours on the phone disputing these transactions. I urge them to re-examine the evidence, considering my regular work location and the nature of the charges ( physical vs. electronic ), to correct this error. Thank you for your prompt attention to this urgent matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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 disputed a charge for a XXXX XXXX XXXX XXXXr purchased on XX/XX/XXXX with Barclays Credit Card. After noticing that the icemaker was not functioning properly, I contacted XXXX, XXXX and Barclays ( Barclays Case # XXXX ) to report that the product was defective. After several visits to repair the icemaker, it remains defective ( see timeline below ). I received a letter from Barclays Billing Disputes Department on XX/XX/XXXX ( letter dated XX/XX/XXXX ). Barclays informed me in that letter that the disputed transaction in the amount of {$1200.00} has been reapplied to my account, stating that the merchant has not violated the terms and conditions of the sales agreement. HOWEVER, THAT WAS NOT THE BASIS OF MY DISPUTE. At the latest repair visit on XX/XX/XXXX, the service technician confirmed that neither the original icemaker nor the replacement icemaker was configured for my refrigerator/freezer. He told me that manufacturer practice was to exchange the appliance after 3 repair attempts but that they havent been honoring this practice because it is less expensive to keep sending him out repeatedly to repair. During that visit, the service technician ordered what he believes to be the correct icemaker for my appliance. The icemaker is on back order for several months ( audio of the entire conversation available upon your request ). Please see the timeline of events below with documentation attached. XX/XX/XXXX : XXXX delivered the XXXX Refrigerator/Freezer. The installation technician told me that I must flush 3 gallons through the water dispenser before the water is potable. In addition, he told me to wait up to 4 days for the XXXX to start fully functioning. There was no time to see if the icemaker was working until XXXX XXXX hour return policy expired. XX/XX/XXXX : After finding that the icemaker was not working after 4 days, I contacted the manufacturer for repair. The manufacturer told me that I must contact XXXX for service. XXXX provided me with a phone number for repair. I reached out to that number to schedule a repair. XX/XX/XXXX : XXXX sent a service technician to repair Icemaker ( Work Order # XXXX ). The service technician was unable to repair the icemaker and ordered a new Icemaker to install. XX/XX/XXXX : I purchased XXXX XXXX XXXX ( Order Number XXXX ). XX/XX/XXXX : XXXX informed me that parts for repair were shipped for Work Order # XXXX. XX/XX/XXXX : XXXX sent the same service technician but he was unable to repair. XX/XX/XXXX : XXXX sent the service technician for repair ( Work Order XXXX ) but he was unable to repair. XX/XX/XXXX : I received a letter from Barclays ( dated XX/XX/XXXX ) stating that The merchant has not violated the terms and conditions of the sales agreement, reversing the temporary credit. XX/XX/XXXX : In response I sent a fax to Barclays outlining my position with the same documentation as I am providing here. XX/XX/XXXX : XXXX sent the service technician to repair. the service technician confirmed that neither the original icemaker nor the replacement icemaker was configured for my refrigerator/freezer. He told me that manufacturer practice was to exchange the appliance after XXXX repair attempts but that they havent been honoring this practice because it is less expensive to keep sending him out repeatedly to repair. During that visit, the service technician ordered what he believes to be the correct icemaker for my appliance. The icemaker is on back order for several months ( audio of the entire conversation available upon your request ). XX/XX/XXXX : In a final attempt to discuss Barclays decision, I called Barclays and spoke with a dispute department agent XXXX. She refused to identify herself and hung up after XXXX minutes of discussion and on-hold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98144
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I filed a dispute on XX/XX/XXXX For {$3500.00} original date of purchase XX/XX/XXXX2023 XXXX XXXX XXXX XXXX I spent two hours on the phone yesterday to find out that the dispute is final and closed. I inquire where was the other {$810.00} that I paid on the account. I was informed that I had to pay interest. How is it possible for me to pay interest and all the money was credited back to my account? I did receive {$520.00} on XX/XX/XXXX because I asked Barclays to mail me a check. Ive made a total of {$1300.00} in payments on the account. This unfair and unethical practices by this company The owe me XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: {$75.00} was scheduled autopay to be taken from my XXXX 's XXXX XXXX credit card on XX/XX/XXXX. I was charged a late fee I called them on XXXX XXXX XXXX on XX/XX/XXXX. They could see the auto-ay was set up. They could not explain why it did no go through. They waived the fee but refused to give me an email that this was not reported to the credit bureaus. They also said they " are pretty sure '' the next payment will go through. I also have an XXXX XXXX XXXX XXXX XXXX and was hit with a late payment for the same thing -- they did not recognize autopay and hit me with a late fee. I am currently typing this to you as I called them at XXXX XXXX EST sharp and have been on hold for 30+ minutes without a rep even picking up. My mom has a XXXX XXXX XXXX as well and had the same thing done. Something is up and I bet they just got a ton of late fees to them that were never supposed to be charged to us. Completely unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59602
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A