Date Received: 2022-06-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: the company or sales representative applied us for credit card that we didnt sign up for in the first place. We let that sales rep that we dont want our credit to be run nor wanted to open any credit cards offer and sales rep XXXX said that they dont need to run the credit because XXXX was in the system already and He is not applying us any credit card. Next thing we know we receive a letter in the mail from barclays stating that there was application for the wyndham rewards credit card that we dont have knowledge about it. This is a big NO NO to company applying credit without full authorization of the consumer and ruining their credit. This is violating the truth in Lending and TILA/Regulation Z compliance and This is a Fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, I am actively investigating unauthorized access of my credit report and I have observed unorganized inquiries and or attempts of credit with my information. I have already contacted the individual credit companies and initiated disputes to have each of these inquiries removed from my report. Attached are the inquires mentioned as well as active dispute cases PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT : XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, I closed my Barclays Arrival XXXX XXXX XXXX XXXX on or about XX/XX/2021. There was a balancing remaining on the account that needed to be addressed. I called Barclays and we reached an arrangment that saw credits of {$150.00} and a payment by me of {$5.00} to zero out the card. When I made the {$5.00} payment, Barclays inexplicably assessed a late fee of {$2.00}. Barclays continued to assess fees, interest, late payment penalties, and minimum charges to the account after our arrangment unbeknownst to me, and Barclays started reporting my account as delinquent. I have been denied financing at the best rates and my credit score has been ruined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX COMPLAINT AGAINST BARCLAYS XXXX XXXX XXXX XXXX MISLEADING AND FRAUDULENT ADVERTISING RE : BARCLAYS XXXX XXXX XXXX XXXX OFFERS MILES AND NO FIRST YEAR ANNUAL FEE : FRAUDULENT ADVERTISING BAIT AND SWITCHED PROMOTION FR : XXXX, XXXX XXXX XXXX, XXXX Barclays XXXX XXXX credit card offer as listed on the XXXX XXXX website https : XXXX from XX/XX/2022 to today XX/XX/2022 ( see attached ) is a complete bait and switch. On XX/XX/2022, XXXX XXXX and XXXX XXXX applied for a XXXX XXXX Credit Card offer at XXXX : XXXX the terms of the offer were XXXX bonus miles if you spent {$2000.00} within 90 days, an annual {$99.00} fee waived the first year. However, when we received the cards in the mail the terms and conditions showed we instead would receive XXXX bonus miles, a {$300.00} credit, and pay a {$99.00} annual fee charged immediately. We applied for the credit card with the intent of hopefully upgrading our seats for an XX/XX/2022 flight with XXXX XXXX. Unfortunately, we can not do that now. On XX/XX/XXXX, when we called Barclays to complain about the promotion being switched, we were told : 1. The offer changed from when we had initially applied. This is false ; the same offer has been on the XXXX XXXX website. 2 We should call XXXX XXXX. I called XXXX XXXX on XXXX and spoke with XXXX in the XXXX XXXX office who confirmed the promotion we applied for should be XXXX miles if $ XXXX spent in the first 90 days and said we would not be charged an annual fee until XXXX. However, the correction would need to be made by Barclays, not XXXX XXXX. We contacted Barclays who did open a case for both of us. We have also written to both Barclays and XXXX XXXX. As of today, we have been informed by both companies there is nothing either of them can do for us. This is just wrong. The offer below was the offer applied for and is still active on XXXX Airs website. XXXX XXXX and Barclays should either honor the advertisement we agreed to or be required to remove it. We respectfully request the XXXX miles/points be credited to the account if $ XXXX is spent within 90 days ( both accounts have already met this requirement ). We respectfully request the {$99.00} annual fee be removed as per the offer there would be {$0.00} annual fee the first year. XXXX XXXX has stated we qualify for the offer we applied for, however, Barclays says that we do not since we applied for the offer during the flight booking process. Both my husband and I both clicked the Apply Now box in the XXXX, no annual fee offer. The first credit card application was submitted at XXXX, XX/XX/2022. The flight was purchased at XXXX. And, the credit card was not even approved until XXXX, XXXX The second credit card application was submitted at XXXX, XX/XX/2022. The flight was purchased at XXXX. And, the credit card was not even approved until XXXX, XXXX For Barclays to say it was done during the booking process is absolutely false. As of today, Barclays and XXXX XXXX have refused to honor the offer we applied for. Barclays has no intention to stand behind its offer. To make it worse, the offer now has escalated to XXXX points with a {$99.00} annual fee for Barclays and XXXX XXXX to dupe the public. Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX The offer below was the offer applied for and is still active on the XXXX Airs website. THIS IS NOT THE WE OFFER RECEIVED!!! INSTEAD, WE RECEIVED A {$99.00} ANNUAL FEE AND XXXX MILES. THIS IS NOT WHAT WE SIGNED UP FOR. Apply Now {$0.00} introductory annual fee the first year, then {$990.00} EARN XXXX BONUS XXXX Apply Now {$0.00} introductory annual fee the first year, then {$990.00} Earn XXXX Bonus XXXX Earn XXXX bonus XXXX after spending {$2000.00} on purchases in the first 90 days.2 No XXXX Expiration XXXX never expire, so you can redeem them anytime.3 Apply Now {$0.00} introductory annual fee the first year, then {$990.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32937
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I tried to close my account by sending my chopped up card back, but Barclay 's kept putting the {$99.00} on my bill. When I called, the operator said that they ignored my returned card because I didn't handle the refusal in " the proper way ''. Also, that I was paying for the past year. I was astounded because I have all original sign-up for the card, and it clearly states, the annual fee is paid at the beginning of the membership year. Furthermore, the notice of new fee was sent in XXXX. My membership fee according to my sign-up was to be XXXX. The operator was very rude. I waited until another bill was received. Again, another {$40.00} in fees. I called again. This time I got a very nice operator. However her accent made her difficult to understand. She told me my account was closed. I asked to speak to a supervisor and someone who might be easier for me to understand because I have a hearing problem. I was put on a XXXX minute hold. No help was available. I continue to get bills. I had an XXXX credit score that is now down t0 XXXX because of a delinquent account from Barclays. I continue to get bills. Amusing detail : Apparently, Barclays has taken over accounts for XXXX and XXXX XXXX and has sent me credit cards for these accounts. I'll probably send them back as I never want to do business with this company again!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94510
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: 2022-06-13
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/22 I locked my Barclays View Mastercard card and received a confirmation email. On XX/XX/22 I was charged {$200.00} bXXXX XXXX XXXX. I called to ask why this charge had gone through since my card was locked and they said that the card was showing as locked in their system but that it hadnt actually gone through. They closed my account and issued me a new card, and opened an investigation. On XX/XX/22 they issued a letter stating there was an investigation. On XX/XX/22 a letter was issued stating the fraud investigation had been completed and we have determined that you are not responsible for the reported fraudulent activity. Then a letter was issued XX/XX/22 stating that the investigation was completed and the charge was valid. I was not provided with a written explanation or any relevant documentation. I called their fraud line on XX/XX/22 to reopen the dispute and they told me I would have to fax or mail in proof that the charge was fraudulent. ( My card was locked, the charge should not have gone through. ) They refused to escalate my issue and said a manger would call me in XXXX business days. The person I spoke to on the phone also admitted that this is happening to many customers, they are being issued letters saying their dispute is settled and then later being charged for the amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
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 detailed recounting of the events that have transpired over the course of the last 9 months, and a reporting of the serious malpractice by the Barclays fraud department. PRECURSOR : I signed up for the BarclaysUS card back in late XXXX because they had a special promotion with XXXX where you didnt have to pay interest for a full 12 months. I purchased a XXXX and payed it off over the next year. Thats the only transaction I ever made with the card, and the account was unused from late XXXX until XXXX of XXXX. I kept it open because apparently thats better for your credit score. On XX/XX/XXXX two withdrawals were made at a XXXX XXXX XXXX in XXXX, Colorado. One withdrawal for {$300.00}, and a second one a few minutes later for {$500.00}. These withdrawals were not made by me, and I didnt find out about them until a month later when I received a notice from my credit score app letting me know that my score had dropped due to a late payment. Upon finding out, I immediately reported the fraud to the fraud support team, they credited my account, and an investigation ensued. In XXXX I received a letter stating that the investigation had closed and NOT been resolved in my favor, with the reasons being unclear. I called to get more details on the case and investigation, which they couldnt provide. They advised me to submit a formal statement of fraud along with a police report if I wanted to dispute their decision. I did some of my own investigating and was able to pry the zip code of the ATM in question from one representative ( after multiple told me that either no info existed or that they were not allowed to give me that info ). Theres only one XXXXXXXX XXXX in that zip code, which I called and they were able to confirm that they had record of the withdrawal in question. They also confirmed that they had security footage of the ATM, but that they were only able to disclose it to the police or other official party such as Barclays. With all this info I filed a police report, and nothing was done. They didnt care enough to do anything. Nonetheless, a report was filed. MAIN INCIDENT : With the police report and info about definitive security cam footage, I sent BarclaysUS a formal statement of fraud in XXXX. After faxing this I called to make sure they received it, to which they said they had and that my account would be flagged for review by a supervisor to look into it again. This never happened. I called in about two weeks later and they said they had no record of me sending anything in, but once I gave them the exact date that I had sent it in they were indeed able to locate it. In early XX/XX/XXXX I received a letter stating that the case had been closed in my favor, and that the money would be returned to my account. I was initially quite relieved, but a week or so later, the money had not been returned and I was still being charged late fees. I called in to see why, and they said that the letter was sent in error, and that the case had actually been closed not in my favor ( again ). When I asked if my additional documents had been reviewed, they said they had not received any documents. I had to again point to the exact date for them to locate it. They reopened the case again, saying that they would again flag the documents for review by a supervisor. This cycle repeated, with them closing the case due to not being able to find my documents. Each time the case was closed I called and they told me they had received no documents. Each time I gave them the date and they were able to find them, and they said they would flag the documents once again. Theyve now reopened my case about 5 or 6 times from XXXX until XXXX, each time somehow still being oblivious to the documents, and closing it. They still, after 7 months of investigation, have not reviewed my documents or looked into the security footage. To me this seems like a massive violation of my previous trust in this company with my finances. It also seems like serious malpractice in my opinion. MORE INCIDENTS : In between all of this there have been numerous other problems. For one, I have not been able to speak to a supervisor or manager, despite asking on at least 15 separate phone calls. Apparently there isnt ever one available, and the only way to talk to one is by scheduling a callback. The problem is I started requesting them months ago and Ive never gotten one. At first I was told manager callbacks happen within a few hours ( a complete and utter lie which I was told many times ). Lately theyve been saying manager callbacks happen within 10 business days. I work from home, and have my phone on ring always. I also check my missed calls. Nothing. The fraud support team is also for some reason the only department at Barclays that seems to not care at all about this issue. All the other departments Ive been on the phone with regarding this issue have been have been very empathetic and helpful. Even though theres nothing they can really do since its not their department theyve filed complaints for me and tried to come up with alternate solutions. Quite a few of them expressed shock upon hearing my situation and my dealings with the fraud department. In complete contrast, the fraud team could not care less, repeats scripts, consistently lie, and essentially stonewall me until I give up for the day. At this point I tell them Im upset because 6 months later my documents or footage havent been looked into because of an apparent error with their file system, they say theres nothing to do other than flag it for review by a supervisor again. Then I tell them that theyve already done that many times and it doesnt seem to be working, and they say theres nothing else to be done. Their reply to all of my qualms is mmmm, Im sorry Mr. XXXX, there is nothing I can do for you. Over and over until I give up and accept the review by a supervisor option. UPDATE XX/XX/XXXX : Today I finally got a supervisor call back. He was very deceptive. At first he told me that the specialty team ( the people in charge of actually investigating ) had reviewed the documents in XXXX and still ruled not in my favor. I told him I didnt think that was the case since I had recently spoken to multiple people saying they hadnt been reviewed. After a lot of pushing he admitted that he didnt actually know, he was just assuming. He finally went to look at the documents himself and couldnt find them. He then changed tone and told me that my documents actually hadnt been reviewed because they hadnt been faxed to the right department ( it was faxed to collections, apparently ). The specialty team cant see those documents. The thing is, I faxed the documents to the number that a fraud support representative gave me. So they gave me the wrong number. I also dont understand how after 5 months and dozens of reps looking at those documents ( but struggling to locate them at first ), no one mentioned that. Ive had them re-flag the files so many times. There have been so many problems locating them. This should have been noticed a long time ago. Just goes to show how little anyone in that department cares. CONCLUSION : That about wraps it up. Because of this incident my credit score is down over 200 points from 790 to about 580. This is my first ever negative mark. I've re-faxed the documents to the new fax number and am still awaiting an update. This whole situation has been unbelievable. They've denied my case so many times without actually reviewing my documents. The reason they haven't reviewed the documents is because of an error on their end that went unnoticed for 6 months despite constant calling. They have continually lied straight to my face on most calls just to get me off the phone. This kind of thing shouldn't be allowed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX Barclays Billing Disputes XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On XXXX XXXX at XXXX EST, I called Barclays and canceled XXXX Barclays CC ending XXXX XXXX. I told the representative that I did NOT want another Barclays Credit Card. The only charge that the card was used for was my Wyndham Maintenance Fees, and those had been taken off of autopay, so I no longer needed the card. In XXXX, I received notice that a new card ending in XXXX had been issued, and that Wyndham was putting charges on it. I disputed this by writing a letter to Barclays on XX/XX/2022. On XX/XX/2022, I received stating that a new card has been issued ending in XXXX. I did not apply or authorize the last XXXX cards ending in XXXX or XXXX. I did not authorize any payments to be made to either of these cards. By copy the complaint filed online to the Consumer Finance Protection Bureau and letter to Barclays. I am formally stating that Wyndham and Barclays are performing fraudulent finance practices. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
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 XX/XX/XXXX I have a XXXX charge from XXXX that I don't recognize. I immediately called it in as Fraud, and was promised a provincial credit and was never given that. On XX/XX/XXXX I got a letter that charge was indeed fraud but I still haven't received any credit and was charged since late fees and interest. Today XX/XX/XXXX when I inquired why the charge is still there I was told that this was never called in as fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I paid off a Barclays credit card. It was applied to the incorrect account. I now have a negative balance and the card that was supposed to be paid off still has a balance. I called Barclays and was told that the only way to correct this was for them to send me a check. I have waited over 3 weeks. In the mean time, they are charging me interest on the card that was to be paid off and holding the {$1500.00} dollars. According to customer service, the check was never sent. Today I have been on hold for XXXX minutes only to be told that the system is " down ''. I asked to be sent to a supervisor and I'm still waiting. This is fraud. They are holding {$1500.00} and charging interest on the other account. I can not talk to anyone who can help. Please help me fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A