Date Received: 2022-06-09
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: On or about XX/XX/2013, I entered into a cardmember agreement for a Barclays Black Card credit card account with Barclays under an open end consumer credit plan. I later converted the credit card into a Barclays Titanium credit card. The credit limit was set at {$16000.00}. Barclays has engaged in improper and unfair and deceptive business trade practices. Specifically, it permits a merchant to accept its credit card for purchases without requiring the merchant to issue the credit for returned purchase to the original method of payment used at the time of purchase, and permits a merchant to accept the credit card and then issue a credit towards a different method of payment other than the original Barclays credit that the the consumer used at the time of the purchase. This improper, unfair and deceptive business practice by Barclays has exposed me to financial losses. For example, if the entire Barclay credit line on my existing cardit card of {$16000.00} was used to make a purchase, and that purchase was later returned to the merchant, Barclays business practice would be to allow that merchant to issue a credit for that returned purchase towards an entirely different method of payment other than the original Barclays credit card used for that purchase, and Barclays do NOT require ANY merchant to credit purchases back to the original Barclays credit card used for the transaction. In other words, the {$16000.00} could be placed on a gift card, or cash could be given, or the merchant could put the amount on an entirely different credit card with another unrelated Bank and no credit for the purchase would ever be placed back on the Barclays credit card by the mechant. This is risky business because it not only exposes the bank to loss but it also exposes me, as a consumer, to financial loss. This also could be used to circumvent the cash advance feature on the Barclay credit card. For example, a purchase for {$16000.00} could be made ( in lieu of a cash advance ), and that the purchase returned to the merchant, and instead of issuing a credit back to the original Barclays credit card used for that transaction, the merchant is free to give cash back or place the entire amount on a gift card, and under Barclays ' business practice this would be acceptable. Such was the case with purchases that were made with the use of my Barclays credit card with two different merchants. For example, one merchant charged a purchase of {$32.00} towards my Barclays credit card, the merchandise was returned, and instead of issuing the credit back to the Barclays credit card that was used for that transaction, Barclays permitted the merchant to issue a gift card for the return instead. Another merchant charged a purchase of more than {$140.00} towards my Barclays credit card, the merchandise was returned, and instead of issuing a credit back to the original method of payment, Barclays permitted the merchant to issue the credit towards an UNKNOWN credit card number with an ENTIRELY different card issuer, that was NOT mine, and as a result, I was defrauded by the merchant of {$140.00}, and Barclays permitted this to happen without taking ANY actions whatsoever to recover the credit back towards the original method of payment. Again, this business practice that Barclays has engaged promotes merchant FRAUD against consumers, and Barclays aids and abets in it by permitting merchants to engage in this type of deceptive conduct, thereby placing me at a further financial risk. I am certain that this violates Banking laws, if not, mastercard international regulations.
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: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been unable to setup my online account since being approved for my account on XX/XX/2022. I have accessed the website to setup my online account, https : //www.barclaycardus.com/XXXX XXXX XXXX XXXX but despite repeated attempts I always receive an error message. I have contacted the bank approximately 100 times via telephone and have not received a resolution to my issue. I have been told that the bank is experiencing technical issues and I will need to call them back, that they can not find my account anywhere in their system, and that It is just a glitch and that I need to wait a few days. When I've asked to speak to a manager, I've been told they will call me back in 10-15 business days. I enrolled in paperless billing when I signed up for the account, thus I need online access to review my statements and provide payments. I have contacted via telephone and XXXX, and at this point I have no other options besides CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 993XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclay 's is reporting on this account monthly charge off status with a late payment that was sold to multiple third parties, they are not reporting accurate information and is hurting the chances for us to get a mortgage. They are reporting the account charged off but the account was sold three times per conversion with Management and One of the third party collection agency ( see attachment ). they sold it to 3 third parties, and every time we try to arrange the payment they take it back From the third party. A Manager who we spoke to from Barclays hang up after I asked her If they sold the account why are they still reporting it as charged off instead of closed/ sold and transferred. I Had an agreement with one of the third parties ( XXXX XXXX XXXX XXXX ) ( SEE ATTACHMENT ) this account should be removed because every time we have a agreement or we call in to set a agreement Barclays takes the account back and the next third party they sell it to wants more money. I Have not received documents from Barclay about this account until I seen it was charged off on my credit. Per credit agencies this account Is NOT in dispute and credit report ( see attachment )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
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 I was charged {$83.00} by XXXX on my Barclay XXXX XXXX for an annual recurring subscription. Upon trying to cancel the subscription with XXXX they were unable to find my account and informed me I would have to dispute the charge with my credit card company. I disputed the charge with Barclays in XX/XX/XXXX and they did not overturn the charge. I submitted an appeal by mail to XXXX XXXX XXXX XXXX DE, XXXX referencing case number XXXX. I never received any response from Barclays on the appeal. Fast forward to XX/XX/XXXX, one year later, I was charged again {$83.00} by XXXX on my Barclay XXXX XXXX. Once again I reached out to XXXX and they were unable and or unwilling to help me cancel the subscription. Once again I disputed the charge with Barclays. The new case number provided by Barclays on XX/XX/XXXX was XXXX. Having been through this process before without reaching a resolution I decided at the same time I disputed the charge to cancel my Barclays account which I had used for approximately 10 years. Upon closing by account I paid my balance off excluding the {$83.00} which had been disputed. In XX/XX/XXXX I had not received an update or status of the dispute. However, Barclays did charge me interest of {$0.00} and a late fee of {$29.00}. I called Barclays and explained to them that the only open balance I had was for a charge which had been disputed and I was not responsible for paying for that charge. They agreed to reverse the interest charge and the late fee. I expressed a concern that the same thing would happen the following month and they were not able to provide any resolution. I have not heard anything back regarding the dispute and in XXXX - XXXX I did not bother to check if I was incurring interest and late fees. I did not feel that I should have to spend my time calling a massive company such as Barclays every single month to tell them to correct their billing statements. I also felt frustrated and helpless because if the dispute was never addressed I would be stuck in a never-ending cycle of calling Barclays every month to fix my account ( remove interest and late fees ). Not following up with or calling Barclays monthly proved to be a costly decision. I applied for a car loan in XX/XX/XXXX and discovered that Barclays had reported my account as severely delinquent and my XXXX credit score had dropped from XXXX to XXXX. This nearly prevented me from qualifying for a car loan and cost me a significantly higher interest rate. Once I realized Barclays was reporting inaccurate information to the credit reporting agencies I once again began trying to work with Barclays to resolve this issue. I have received absolutely zero support from Barclays on this matter. I was told by the customer care team I would have to speak to someone in the fraud department concerning this case ( XXXX ). I called the fraud department at XXXX numerous times over the past two weeks and was told each time to call back because their systems were down. I called the customer care department back and explained the fraud department was unable to help me because their systems were down. The customer care department told me they were unable to help me because the dispute was with the fraud department. One customer care agent was able to inform me that as of today, XX/XX/XXXX, the case was still awaiting assignment. I don't know how it is possible the case which was created on XX/XX/XXXX has still not been assigned six months later. But then again this is the same company that denied my first disputed charge and never responded to my appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX XXXX while searching for XXXX airline ticket at checkout it offered no annual fee, $ XXXX {$300.00} = {$70.00} ticket, after {$2000.00} spent receiving XXXX miles, and after applying online it says instead of approval it will look further into it. I received card approval next day via email, and card XXXX XXXX. I was surprised to see a charge {$99.00} annual fee right away XX/XX/XXXX. I was also offered XXXX miles instead after XXXX dollars spending, also nowhere in writing does it mention the {$300.00} credit for ticket purchase. I called their representative who said she never seen {$99.00} charge right away before and was surprised but was powerless to change it. I asked to close the card and was told I am responsible for {$99.00} payment before I can close it for a service I never used. I am filing a complaint for unethical bait and switch practice of Barclay bank XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84403
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX XXXX have found In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. I also submitted the attached notice below and submitted it to Barclays on XX/XX/23 and it is XXXX and I have received no response pertaining to this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: My wife lied to her Bank XXXX XXXX that payments was falsely made from her account to Barclays Credit Card when we have made payments from her account to my credit card for over 12 months ... Barclay refused to investigate and ignorantly returned the money back to XXXX XXXX without doing an investigation. Now they are trying to collect XXXX from me that I have already paid from my wifes account... I told them will give an affidavit and will help file criminal charges against her but they refuse to dispute the matter with XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30601
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I had us bank credit card issue a check for {$8800.00} for a balance transfer from Barclays Card Service. XXXX XXXX XXXX XXXX, PA XXXX I originally had a Barclays card but my account was sold to XXXX XXXX XXXX. This balance transfer was made by XXXX XXXX. I thought Barclays and XXXX were under the same umbrella. I thought this because I was told that and Barclays would send to XXXX XXXX. I have attached the check copy front and back to show Barclays received and cashed the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, a {$4400.00} check was sent to pay my Carnival Mastercard account ending in XXXX Issued by XXXX XXXX. The check was cashed by them on XX/XX/XXXX, However, the payment was never applied to my account. As of today XX/XX/XXXX, the payment has still not posted. I have made several calls to them to no avail -hey kept telling me it would take 7-10 days for the payment to post-each time I would wait the 7-10 days but still no posting. A copy of the cashed check was sent to them on XX/XX/XXXX. I also wrote to the office of the president of XXXX XXXX. I received a call from them today saying it would take ANOTHER 30 days for the issue to be resolved. This is totally unacceptable. They have {$4400.00} of my money with no credit on my account to show for it They have a copy of the cashed check-they should be able to track it down. I am out {$4400.00}, and they do not seem to care at all. Meanwhile my account keeps accruing finance charges on the remaining balance. I have been making the minimum payments ever since just to keep them from ruining my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A