Date Received: 2022-06-17
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/XXXX, a fraudulent purchase was made on my account through XXXX for {$640.00}. In my monthly statement activity review I recognized it and quickly reached out to the vendor who cancelled the transaction. I then reached out to Barclay 's and notified them of the transaction, supplied them with documentation and was told I would have the information investigated. I called monthly for updates and was told continuously they would begin the investigation. 6 months went by and I was confused by no correspondence. I was again told an investigation would occur. I told them it is unfair that this continued with no resolve while I paid interest charges on a purchase I did not make. They removed the charge in XXXX along with the interest only to add them all back. I only realized this due to my normal minimum payment of double digits $ $ jumping to $ $ XXXX This company has continued to give me the run around and will impact my credit in the process. I am frustrated that this is still something I must contend with after over a year. Please help. They will not resolve and have added another late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My name is XXXX XXXX and I own a Barclays Master Credit Card number ending in XXXX. On XX/XX/XXXX, I received an SMS alert on my number XXXX to approve a transaction from XXXX. I accidentally approved it. After approval, I logged into the mobile app and noticed that this was a fraudulent transaction. Also, there was a transaction from the XXXX store at the same time. I immediately noticed that I wasnt in possession of the card. I called customer service on XX/XX/XXXX and informed them that all of these transactions were fraudulent. I asked the customer service agent to cancel all of them, including ones from XXXX and XXXX stores, while these transactions still were in a pending state. Subsequently, the customer service agent promised me that all of these transactions will be reversed. Then they closed my card and issued me a new one. Today, I noticed that the XXXX transaction for {$350.00} was posted to my account. I called customer service about this issue. They responded that they have no record of my card reported as being stolen. They refused to reverse the XXXX transaction or put it on hold until the issue can be resolved. I would like to have the XXXX transaction for {$350.00} be immediately reversed and the amount credited back to me because it was unauthorized and fraudulent. I informed the Barclays team immediately that it was fraudulent. I can not afford to pay this amount and I am afraid that if I don't pay this then my credit will be severely impacted.
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: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am XXXX XXXX and have just had a XXXX XXXX XXXX Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. XXXX XXXXXXXX : All accounts, beginning with : XXXX, XXXX, XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: THIS COMPLAINT HAS NOT BEEN PREVIOUSLY SUBMITTED NOR ADDRESSED, AND IT WILL BE RESUBMITTED OVER AND OVER AND OVER AGAIN UNTIL IT HAS BEEN ADDRESSED. SIMPLE AS THAT. A copy of this complaint is also being MAILED directly to XXXX XXXX XXXX XXXX, Dispute Advisor at Barclaycard, at XXXX XXXX XXXX, in XXXX, DE XXXX. The fact of the matter is, Barclays have aided and abetted merchants in perpetrating consumer FRAUD in violation of applicable Banking laws and regulations. More specifically, Barclays continues to permit merchants to accept its credit card for purchases without requiring the merchant to issue refunds for the returned purchase to the original method of payment used at the time of purchase, and it also continues to permit merchants to accept the credit card and then issue refunds toward different method of payments other than the original Barclays credit card that the the consumer used at the time of the purchase. As a direct result of this improper, unfair and deceptive trade practice by Barclays, I have sustained financial losses and other compensable damages and have filed an appropriate civil lawsuit against Barclays to recover damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
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: Dear CFPB : I am an XXXX however I need your kind attention and help in this matter : The airline company cancelled my flight and the travel agency and the BarclaysXXXX XXXX is refusing to refund charges and fees for those cancelled flights. ( 1 ) On XX/XX/XXXX, I purchased an airline ticket through the website XXXX, owned by XXXX ( See : XXXX ) ; ( 2 ) On XX/XX/XXXX, I made a change to my flight and the travel agent XXXX aka XXXX charges me an additional fee of USD {$1300.00} and USD {$130.00} ( See : Screenshot XXXX XXXX, and XXXX ) ; ( 3 ) On XX/XX/XXXX, I was suddenly informed by XXXX aka XXXX that the airline has cancelled my flight and they can either find a new flight or give me a full refund. The travel agency only gave 12 days deadline to respond ( See : XXXX ) ( 4 ) From XX/XX/XXXX onwards, I disparately called the travel agent everyday more than once to get a new flight by calling their number ( XXXX ) XXXX ; ( 5 ) My last call was made on XX/XX/XXXX and lasted about 23 minutes ( see : XXXX ) ; ( 5 ) On XX/XX/XXXX, I informed them over the phone and via email that because they can not provide an alternative flight, I want a full refund under the terms of the airline which was stated in their email. They cancelled the whole reservation immediately the same day ( see : XXXX, XXXX, XXXX, and XXXX ) ; ( 6 ) I received the only response on XX/XX/XXXX for the first time stating that they will issue a full refund ( see : XXXX ) ; ( 7 ) On XX/XX/XXXX because I had received no response or refund from XXXX aka XXXX, I filed credit card dispute for the amounts of USD {$1300.00} and USD {$130.00} with the issuing bank at BarclaysUS.com ; ( 8 ) BarclayUS.com issued a temporary refund and informed me via a letter that they will investigate the dispute and let me know if they need anymore information. I stated : " I made a reservation and travel changes with the XXXX. The flight was later cancelled by the airline and the travel agency has failed to re-issue the tickets after waiting 7+ days. Please, note I have contacted the travel agent at least 6 times without any resolution. " ; ( 9 ) However, today I noticed my XX/XX/XXXX statement and found out that the disputed transactions have been added back into my bill ( see : CreditCardStatement ) ; ( 10 ) I immediately called their number at ( XXXX ) XXXX and spoke with the bank for about 37 minutes ( see : Screenshot XXXX XXXX- please note that the timestamp is XXXX because I am currently in XXXX which is 12 hours ahead of the USA for business and family trip ) ; ( 11 ) The agent of the bank, XXXX XXXX, from the dispute department stated that the case has been closed and the amount has been re-charged without notifying me or giving a chance to respond. ( 12 ) The bank told me that I can not reopen the case unless I write to them or fax them. When I asked for a manager, she was unable to find anyone. Then when I mentioned that I am out of the country, she gave me an incorrect fax number to send my request to reopen the case. The false fax number was ( XXXX ) XXXX. I asked XXXX XXXX multiple times and verified the number because it was a odd combination of numbers. Therefore, it is clear from the bank 's actions that they are unwilling to provide any assistance whatsoever even when I asked them that if I should file a complaint with the Consumer Bureau or not. The bank refused to help. ( 13 ) I need your immediate help to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75088
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Hi! Since I travel overseas a lot for my own safety I requested to have the paper statement sent to my address indicated on the card application which is also my residence/business address. I have called the Barclays USA twice. On the first approach I was told that despite my credit cards #, the card can not be located and that is the " glitch ''. When I was transferred to the supervisor I was then told that the credit card # is not enough and it has to be accompanies with variety of other info in order to pull out the info on the card. When I asked why since the each individual card has a distinct phone number and that alone should be sufficient to locate a customer I was then subsequently and without warning disconnected. On the second approach I again verified all the info on the account and I was informed that the account can not be located. When transferred to the account supervisor I was told that the CSR will not help me but he can help me get an online access so I can do it ... ... .myself. Mind you all I am asking for is to receive a paper statement, only.. I believe that this situation is also racially motivated as the manner of behavior of the CSRs listed fits standard racial stereotypes which are neither professional or respectful to the degree where the customer service function is not provided and the lack of thereof is blamed on the customer. So in other words can the Barclays USA be kind enough to send me a paper statement since its online system is not functioning due to " glitch. '' I also hope that this situation will help Barclays USA to institute a basic elements of customer care which would require a minimal customer service standards which need to be met : i.e. please respect the customers that give you business. Or perhaps since the bank has received a XXXX XXXX bailouts it now thinks that the institution is run for the benefits of its employees ( shareholders were already screwed so they don't matter ) and not customers. I hope this also helps the bank to rethink its US side corporate structure that allows this pathology to persist. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Barclays Mastercard credit card has now charged me erroneous interest XXXX months in a row. I have pasted my previous complaint against them below for context, and the same issue has now repeated itself this month. Barclays has charged me interest even though I have autopay setup to pay my entire statement balance XXXX days before the due date. This happened on my XX/XX/2022 statement where I was erroneously charged {$38.00} of interest ( see my prior complaint below ). This has now happened for a second time on my XX/XX/2022 statement where I was erroneously charged {$53.00} of interest. I had autopay setup to pay my entire statement balance before the due date, so there is no reason I should be charged interest. Barclays said they would fix this issue but they did not. I would like a refund of this erroneous {$53.00} in interest, as well as compensation for my time spent dealing with this issue twice now. If I do not receive compensation from BarclayXXXX, I will be pursuing a lawsuit in small claims court and making additional complaints to other banking regulators. Previous complaint : I have a Barclays Mastercard credit card. I have had this card for years and have always had auto-pay set up to pay my entire balance 5 days before my due date. This ensures that I do not pay interest, because my entire balance is paid XXXX days in advance. However, inexplicably, my XX/XX/2022 statement showed {$38.00} in interest charges. It showed a previous statement balance from XX/XX/2022 of {$3000.00}, but it only showed my automatic payment as {$2900.00}. Thus, I was charged interest because Barclay 's automatic payment system failed to pay the entire statement balance. This has never happened before, and I don't understand why it happened this month. Barclays never called me to let me know of this error. Had I not checked my statement, I would have paid {$38.00} in erroneous interest charges due to a failure of Barclay 's automatic payment system. On XX/XX/2022, I called Barclays. They agreed that their automatic payment system had made a mistake, and they waived these interest charges. However, they couldn't explain why this mistake was made. They said it was a " computer glitch '' that happened sometimes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Our son stole our credit card and charged a bunch of unauthorized charges on it. XXXX, XXXX, XXXX and XXXX, XXXX station charges from XX/XX/XXXX and XXXX are all not authorized.
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: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: My Barclays Bank XXXX silver XXXX showed fraudulent activity. I reported this online. The company closed out the card, although this was not clear on the website. When the card was declined, I called customer service and was told that replacement cards for myself and the authorized user would be sent and that they would be sent be XXXX XXXX This was complicated by the fact that I am at my summer residence. I thought that we had resolved everything. 2 days later XXXX card arrived with my name ( no authorized user card ). I called and was told that the cards were shipped separately because that was the only way it could be done and the second card would arrive the next day. They also said that the cards would each have a different number so it was ok that I had activated my card. At the time, I didnt realize that both cards would be activated. I asked if the fact that the card had not been received but was activated would be a problem and I was told no. I changed all of my autopay accounts. The next day the second card did not arrive and my card was declined. I called again and the agent said she didnt know why this card was also canceled. I requested again that new cards be sent. 2 days later, a card came for the authorized user, but not for me. I again called, again was told card would come the next day. No card came. I called again and was told there was a glitch in the system. The problem was finally escalated to someone in security who agreed to send both cards together. They finally arrived, 10 days after this all started. The numbers on both cards were the same. It took XXXX phone calls to get the cards with extended periods of time on hold. Somewhere along the line, I was told I would be given a {$100.00} credit for my inconvenience. While this is not representative of the time and annoyance, it was a nice gesture. However, it has not appeared. What has appeared on my account was a charge for expedited delivery of my cards after I was told there would be no charge. This was removed, but required 45 minutes on hold. I was given misinformation on every phone call and what should have been a simple, although regrettable, transaction became a nightmare. I would truly like an explanation for all of this as well as credit for all of the time and inconvenience to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX I wish to register a strong complaint against Barclays Bank. They are fully aware that my Barclaycard has been used fraudulently but will not correct my statement. -Brief Explanation- I have a Barclays Barclaycard credit card. On XX/XX/XXXX, they notified me that they had detected that it had been used fraudulently. I checked my statement and identified ten seperate fraudulent transactions the first on XX/XX/XXXX. I loged into my account on XX/XX/XXXX, and filled out their 'fraud report ' but in spite of many attempts it refused to SEND. So, I went to their on line 'chat ' portal and explained about the ten fraudulent charges totaling more than {$550.00}. Their reaction was " sorry we can't help, you must call '' I explained that I am quite deaf and do not initiate calls, I wasted an hour with them, all to no effect, before giving up. So, on XX/XX/XXXX, I went to their send us a 'secure message ' portal and typed in the full details of the fraudulent usage. Their reaction was " sorry we can't help you must call '' Over a number of subsequent secure messages i explaind that I am deaf and that their 'fraud form ' refused to SEND. It made no difference their mindless reply... send 'fraud report ' or call us! So, on XX/XX/XXXX, I sent letters to both the listed headquarters of Barclays fully detailing the fraudulent charges. They have not responded. The fraudulent charges have not been removed from my statement! They have now filed adverse reports with the credit tracking agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32043
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A