Date Received: 2022-06-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX I thought this complaint had been resolved! I just received a card today from them with the same account number in this wrong name which they can not clear out of my credit report but I was willing to let sit on it. They had issued a wrong card originally with tis incorrect name and birthdate, then fixed it now issued it incorrectly again???? Each time it goes as an inquiry and XXXX score gets affected, why. I want the account closed!!!!! I even paid {$99.00} fee just to be rid of them. They are harrassing me, I am XXXX yrs old and alone and do not know what to do and I am scared!!! This is my credit! Can you help me, please have hem close out the Barclays accout and end my nightmare!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received notification on XX/XX/2022 from my credit report monitoring servicing advising that Barclays Bank Delaware had done a Hard Inquiry on my credit. This inquiry was done on XX/XX/2022. I reached out to XXXX to dispute... They instructed me to complete an Identity Theft Report and also placed a Fraud Alert on my three credit files.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I mailed a payoff check to Barclays and the check cleared my attorney 's trust account on XX/XX/2022. Barclays never posted payment to my account and is claiming they never received the check. I have sent them a copy of the check multiple times showing where it cleared the bank. The check is for {$4800.00}. I have called numerous times only to be told the same thing over and over with no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28715
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I sent a check for payment on my account by mail. The check was from XXXX XXXX XXXX XXXX, XXXX. Check number XXXX for {$12000.00} The check also had our names- XXXX XXXX and XXXX XXXX XXXX on it. The check posted on XX/XX/2022, it cleared the bank on XX/XX/2022. It has not been credited to my account. I am still being charged interest on that amount and now late fees. I called twice last week to get this resolved, and again today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: With a zero balance ( paid off my account XX/XX/XXXX to the amount of {$3500.00} and a second payment of {$50.00} on XX/XX/XXXX to cover rest ) after paying off an initial promotion, I received a new balance transfer promotion of 0 % interest if paid in 9 months from Barclay bank ( XXXX visa ) in the amount of XXXX plus a fee of XXXX on XX/XX/XXXX. Due to the size of the payment " no payment due '' until XXXX of XXXX. This offer receipt shows up for the first time on my XXXX XXXX XXXX statement. I called to verify that my last payment would be due in XXXX to satisfy the debt ( that would be the XXXX month and billing cycle from the date of deposit ). They told me the promotional period ends XX/XX/XXXX. This is 8 months of a promotional period, not 9. I called 2 times to get the information I needed. The first person told me the terms ended XX/XX/XXXX ( also not correct ) so I'm glad I called back. The 2nd call, two agents later, kept going around in circles about how " I can see your point that it's only 8 months but that's the terms of the agreement for 9 months. '' This is not mathematically correct or appropriate. So now am I not only going to miss the XXXX month, forcing me to pay the interest in bulk, but the payments I would have made should they have been transparent, or rather non fraudulent up front, could have been bigger to account for the deficit due to their misleading advertising. I do see on my XXXX statement they allocate the expiration to XXXX, and that again is not a 9 month term. Look at a calendar. XX/XX/XXXX to XX/XX/XXXX is 8 months. Simple math. I have audio from the call of more than one agent acknowledging that it's clearly only 8 months from distribution and yet " those are the terms. '' Those were NOT the terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I refinanced my home. Included in the refinance was the goal to use equity in our home to pay off credit card debt. I have a XXXX with Jet Blue / Barclay Bank, and a check in the amount of {$2200.00} was sent to them on XX/XX/2022. The check was drawn on XXXX XXXX XXXX XXXX Bank XXXX XXXX ), and in the memorandum line was my name and the last XXXX digits of my credit card number. On XX/XX/2022, Barclay Bank cashed the check. They have not applied the funds to my credit card account. I've contacted them on several occasions, most recently on XX/XX/2022 when I faxed them proof of their cashing the check. I included with that fax a cover letter and a copy of my account. I've checked my account continuously since XX/XX/XXXX and they have yet to apply my payment to my account. I am continuing to be charged interest AND monthly payments on the " outstanding '' balance. I contacted them on XX/XX/2022 to inquire as to what the status is. I was told it can take " several billing cycles '' for the payment to be applied to my account. When I said that was unacceptable and I wanted to speak to a manager, they put me into a holding que where I was waiting XXXX minutes to speak to someone ; I had to hang up as I need to get back to work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I have had an XXXX XXXX XXXX issued by Barcklays Bank of Delaware for some years. Since the card was approaching its expiration date of XX/XX/2022, I contacted the company in XXXX and asked them to send a replacement card to my address in XXXX. They said they had sent one earlier but it never arrived. I asked them to send it express, since the expiration date was near, and they agreed on XX/XX/XXXX to do so, charged me {$15.00} for it, and then said they could not send it express after all and sent it by regular mail on XX/XX/XXXX. I waited weeks, called several times, but it never arrived. On XX/XX/XXXX they agreed to send another card, did nothing until XX/XX/XXXX, and then sent it express by XXXX -- exactly what they had claimed they could not do -- but did it WITHOUT GETTING A TRACKING NUMBER even though I had EXPXRESSLY told them to get one so I could know where it was. It has not arrived XXXX weeks later, and with no tracking number I have no way of knowing if it was held by customs, was lost, or anything else. I have had no usable card this entire time, since they cancelled the existing account when they sent the first card in XXXX ; I can not pay my bills, my monthly payments are being denied and services cut off XXXX after another, my credit rating is suffering because I am delinquent on payments, and despite REPEATED calls to Barclays all they do is tell me to wait and offer to start the whole process over again from the beginning by sending yet ANOTHER card. I can not afford to start over with this long process another time and watch my credit collapse while I wait for the card to arrive. I know how bad they are -- last time I needed a new card they put the XXXX XXXX XXXX on the address instead of XXXX and it went to XXXX instead of XXXX. They did contact my family in the United States XXXX weeks ago, then sent me an email with a phone number to call. I have called it over and over and over and over and never get anything but an answering machine saying to leave my number and they will call back within 48 hours. I have been leaving the number for XXXX weeks and have not yet received a call back. I told their agents in live conversation at a different number -- and I AM SERIOUS -- to send a courrier to XXXX with the card in his or her pocket ; if they had done so when I asked, this matter would have been settled by now. But they have done nothing, and tell me that if they sent yet another card, it would again be with NO TRACKING NUMBER, leading to the same problem. I need to pay my bills and I need compensation for the damage they have done. Please help me with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
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: On XX/XX/2022, at approximately XXXX XXXX ( PST ), while reviewing my Barclay Card MasterCard purchases I saw four unrecognized/unauthorized pending charges to my credit card. The pending charges were : ( 1 ) XXXX XXXX for {$950.00}, ( 2 ) XXXX XXXX for {$700.00}, ( 3 ) XXXX XXXX for {$650.00}, and ( 4 ) XXXX XXXX for {$18.00}. None of these purchases were made by me, and I had physical possession of my Barclay card. On this same date, I immediately contacted Barclay Card customer service, via phone, and explained that I had noticed some unrecognized/unauthorized charges on my credit card. Customer Service subsequently transferred me to the Fraud Unit. I then advised the Fraud unit of the unauthorized/fraud pending charges on my credit card, during which time they asked me to confirm other charges on my account. The Fraud Unit representative then reviewed the charges on my account and told me that they could see that the four above described charges were fraudulent as that they were all online purchases and further advised me that they would be removed from my account. On XX/XX/2022, I electronically reviewed my Barclay Card MasterCard account and saw that the XXXX XXXX, XXXX XXXX, and the XXXX XXXX charges were now listed on my account as recent ( completed ) transactions. However, the charge to XXXX XXXX was no longer listed in the recent nor pending transactions. At approximately XXXX XXXX., I contacted Barclay Customer Service and asked to be transferred to the Fraud Unit. The representative advised that he wanted a chance to help me and asked what the issue was. I advised the representative of the fraud charges and told them that now the charges were listed in the completed transactions. The representative said that he was reviewing my file and then he told me that he saw that the charges were being investigated by the fraud unit and told me that it may take one to two billing cycles until I would receive a credit on my account for the charges. I told the representative that I still wanted to speak with the fraud department and the representative provided me with phone number XXXX to contact the fraud unit directly. Following that call, I tried calling the fraud unit, but received a message that they were closed for the day. On XX/XX/2022, at approximately XXXX XXXX I called the Barclay Fraud department to inquire about the three remaining charges on my account. During the discussion, the representative advised me that the investigation regarding the charges for XXXX, XXXX, and XXXX XXXX was completed and that transactions were put back onto my account because the investigation determined that I had made the transactions. I assured the representative that I had not made any of the transactions and the representative stated something to the fact that my name had been on the ticket ( airline ticket ) and so the charges were put back onto my account. The representative told me that my only option was to submit proof to the fraud unit that I had not made the purchases and suggested that I contact the police and make a report. I asked the representative why the XXXX XXXX charge was not on the transactions, but that the ones for XXXX, XXXX, and XXXX XXXX were, and the representative was unable to give me an answer. I asked the representative to provide me details of Barclay 's investigation along with the IP addresses of where the online transactions had occurred so that I could do my investigation. The representative told me that they could not give me any details of their investigation and said that I would need to submit a subpoena to Barclay to get the information regarding details of the investigation. I then asked to speak to a supervisor and the representative said that they would send a message to have a supervisor contact me as soon as possible. ( As of the writing of this statement, I have not yet heard back from any Barclay manager. ) The representative then provided me with po box XXXX XXXX, Delaware XXXX as to where I could send the documents with proof of my claim. On XX/XX/2022, I contacted XXXX XXXX Customer Service Representative, XXXX ID # XXXX, during which time I discussed the fraudulent charge to XXXX that was submitted on my credit card on or around the date of XX/XX/2022. Representative XXXX then advised that she could check the records to help me in the matter and asked me for my full name and the credit card number so that she could perform the checks. After given the information, XXXX then searched the XXXX electronic records and advised me that she was unable to locate any tickets purchased under my name or tickets purchased using my credit card number during the time frame, or any time in XXXX, XXXX. Representative XXXX then advised me that she was going to open up a case ( Case # XXXX ) with the information and submit it to XXXX investigations to look into the matter. XXXX took my e-mail address and said that I should her back from XXXX investigations via e-mail in approximately 5 business days. On XX/XX/2022, I also called XXXX XXXX Customer Service and spoke to Representative, XXXX ID XXXX XXXX, during which time I discussed the fraudulent charge to XXXX that was submitted on my credit card on or around the date of XX/XX/2022. Representative XXXX then freely advised that he could check the records to help me in the matter and asked me for my driver 's license number and the credit card number so that he could preform the checks. After given the information, XXXX then searched the XXXX electronic records and advised me that he was unable to locate any rental transactions under my driver 's license number or my credit card number. Representative XXXX then provided me with an XXXX case number ( Case # XXXX ) and recommended that I send an e-mail ( to XXXX ) and a screen shot of the credit card charge to make a formal request to XXXX to investigate the fraud charge. Following the phone call, I submitted an e-mail to XXXX with details of the unauthorized charge and the screen shot with a formal request to investigate the XXXX fraud charge of {$700.00}. On XX/XX/2022, XXXX Customer Service sent me an e-mail stating that they were unable to locate my reservation and stated that the amount of {$700.00} is for prepaid reservations. I replied to XXXX customer service to cancel any transactions using my credit card as they were unauthorized/fraudulent charges. On XX/XX/2022, I called the XXXX XXXX Store # XXXX, at phone number XXXX and I spoke to Manager XXXX. ( Note : XXXX XXXX # XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ; which XXXX maps shows as being a distance of XXXX miles away from my residence. ) I discussed the fraudulent charge on my credit card from XXXX XXXX and asked XXXX if he could research the transaction. Manager XXXX asked me for the charge amount and the last four numbers of my credit card, during which time I provided the information to XXXX. XXXX subsequently told me that he had found the receipt for the transaction, " ticket # XXXX '', and he advised me that the name on the order was " XXXX ''. I asked XXXX if knew if it was an internet order, phone in order, or an in person order and XXXX said that he could not tell from the receipt and stated that all he knew was that it was a credit card purchase. XXXX said that it was the second customer for the day and said that they did have video cameras in the store, but that he was not sure if he could provide me with the video clip until he asked his boss. XXXX told me that he could e-mail me a copy of the receipt if that would help and I gave him my e-mail address and asked him to do so. XXXX said that he would talk to his boss about the surveillance video and that they ( XXXX XXXX ) would help in any way that they could. Later that day, I received an e-mail from XXXX from XXXX with a copy of the receipt and a message saying that he would contact me once he hears from his boss. On XX/XX/2022, I filed an online report to the XXXX XXXX, CA Police Department in regards to the identity theft and the unauthorized four charges from XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX Police Department subsequently assigned the investigation case number XXXX and e-mailed me a copy of the corresponding Police Report. On XX/XX/2022, I drafted a declaration to Barclay Fraud Investigations disputing the fact that the charges made to XXXX XXXX, XXXX XXXX, and Firehouse Subs were not made by me and I requested that they reinvestigate the matter. I will send this declaration to Barclay Fraud Investigations via certified mail on XX/XX/2022. I have attached a copy of the letter and the documents that I will be sending to Barclay Card Fraud Investigations. Any help or guidance you can provide me in this matter would be greatly appreciated because I feel like I have done most everything possible to show Barclay Card that I did not make or authorize these purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XXXX I called XXXX, after receiving a letter dated XXXX. The purpose of my call was to request my XXXX credit card account be closed immediately. The purpose of their letter was to tell me XXXX was changing credit card companies and would be closing my existing account in the near future and opening a new account for me through Barclays Bank. In my conversation on XXXX with XXXX, the XXXX customer service representative, I requested my XXXX card be closed immediately and directed that a new card not be issued, because I did not agree with the terms of the new card. Specifically, I was opposed to the interest rate in excess of 25 percent. I was very clear that XXXX and Barclays Bank did not have my authorization to open a new credit card account in my name. XXXX confirmed a new Barclay 's account would not be opened. In the mail on XXXX, not only did I receive a new credit card from Barclays Bank in my name, but my husband and daughter also received credit cards under the same account. Unbelievable! As a XXXX XXXX at another banking institution, I am absolutely sure if I were to open an account for a consumer without their knowledge and after they specifically had told me they did not want the account, I would no longer be working for the bank. XXXX and Barclays Bank opened a new credit card account in my name, without my knowledge, and against my wishes. As a consumer, I view this as fraudulent bank activity and both companies are at fault in allowing this to occur.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44641
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A