Date Received: 2022-05-16
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: On XX/XX/XXXX, I made a purchase in the amount of {$160.00} using my Barclay credit card ending in XXXX. On XX/XX/XXXX, I returned a total of {$140.00} of that purchase ; however, the merchant failed to issue a credit back to the source payment. In XX/XX/XXXX, I initiated a proper billing dispute with Barclay, which was assigned Case ID : XXXX. On XX/XX/XXXX, I received correspondence from Barclay dated XX/XX/XXXX. In that correspondence, it stated that Barclay was unable to continue pursuing the claim with the merchant because Barclay was unable to contact me on XX/XX/XXXX, and XX/XX/XXXX. Barclay further stated that if I disagreed with the merchants response and would like to reassert the claim, that I should send a signed and dated letter and provide a copy of the invoice/contract. By letter dated XX/XX/XXXX, I acknowledge receipt of Barclay 's correspondence and requested that the dispute be reopened. Specifically, I noted that a copy of the invoice/sales draft was uploaded to the billing dispute portal at the time the dispute was opened. I also enclosed a copy of the original invoice/sales draft with the XX/XX/XXXX correspondence. Attached is a copy of this correspondence. I then explained in that correspondence that " The merchant agree in its response that the items that were purchased on the card ending in XXXX were returned but the merchant incorrectly states that it issued a refund. '' I pointed out that " The original purchase was for {$160.00} and a total of {$140.00} was returned. There has been no refund received from this merchant that has been applied to the card ending in XXXX for the return. '' Further, it was noted that " The original purchase was not made on a card ending in XXXX. Rather, the original purchase was made with the card that ends in XXXX, and that is where any refund should have been applied. '' At bottom, the merchant never issued a credit back to the source payment, which was the Barclay card ending in XXXX. On XX/XX/XXXX, more than 90-days after the dispute was initially opened in XX/XX/XXXX, a phone number ( XXXX ) XXXX appeared on my caller ID that purportedly belong to Barclay 's XXXX dispute. There were no messages left by the caller from that number. I attempted to call the number back but received a recording that it was used only for outbound calling and could not accept incoming calls. I then spoke with customer service and was advised that the dispute was closed because the caller from Barclay 's back-office, who never left a message, could not reach me, and that I would have to write again to have the case reopened. The manner in which Barclay handles billing disputes appears to violate the Fair Credit Billing Act, which requires that " Within the 90 days, the credit issuer must either remedy the situation or send a letter to the consumer explaining why there was no error. '' This billing dispute was initiated in XX/XX/XXXX, more than 150 days ago, and Barclay has not remedied the situation. As such, I reserve the right to initiate a civil lawsuit against the Bank for its billing dispute practices. In addition, a merchant is required to issue a credit back to the source payment, and Barclay has been laxed in allowing merchants to benefit from this improper billing method, and that may also form a basis for an appropriate action against the Bank. On Monday, XX/XX/XXXX, at XXXX AM, before drafting and filing this complaint, I attempted unsuccessful to reach Barclay 's executive office on XXXX ; however, I was unable to reach anyone. This, of course, will be the last complaint submitted to CFPB in an attempt to resolve a billing dispute with Barclay- the next avenue will be to initiate litigation and pursue a claim and seek damages in an appropriate federal court for violation of the Fair Credit Billing Act.
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: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I closed my account and was told I would receive a refund on the XXXX dollar initial fee after 90 days However it never arrived I complained 5 times to no avail. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On or about XX/XX/22, I received a notice of a declined credit card from XXXX XXXX, I also received an alert from XXXX XXXX about a new inquiry from XXXX XXXX XXXX, two actually. I immediately called both as I had not applied for any new credit. I have since filed the appropriate paper work with the XXXX, sent certified letters, along with supporting documents. Police report, driver license etc. Asking for the hard inquiries to be removed from my credit as XXXX had determined it was fraud and has closed the checking account, and credit accounts down. However, the hard inquiry still remains, they have stated that the credit reporting agency must receive a dispute that they can not help. I have already done this and the credit agency states that only the creditor can remove the hard inquiry. I do not know what else I can do. I have followed all of the steps necessary but am not receiving the result I need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Barclays bank of Delaware XXXX XXXX XXXX, XXXX, DE XXXX has opened a line of credit in my name which I have never authorized them to do and they will not remove it from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
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: In the past couple of months, five months to be exact, I've been under tremendous pressure by my JetBlue Credit card company by Barclays. For charges that are not my doing. On XX/XX/XXXX my husband and I went to XXXX XXXX, XXXX XXXX to celebrate my birthday. We stayed at a hotel-resort from XX/XX/XXXX to XX/XX/XXXX. I got fraud on my JetBlue Credit card on XX/XX/XXXX from a company that I never heard or seeing un my life, named XXXX XXXXXXXX XXXX ( rental car ). For the amount of {$4400.00}, {$3500.00}, {$1700.00}, {$1100.00}, totalling {$10000.00}. However, this amount has increase due to late payment fees and interest on something it wasn't spent by me. Is an absurd amount of money to spent on a rental car company for only 3 days to begin with, it makes absolutely no sense. After disputing these charges so many times and opening several investigation until XX/XX/XXXX, submitting letters and providing evidence to the company that this charges were malicious, Barclays still finds me guilty of charges. Charges that I wasn't aware o. It is absolutely insane for a person to intentionally charge their credit card for such ridiculous amount of money when my husband have many personal vehicles accessible to him. Barclay denied my dispute 4 times, my credit score has drop drastically because of this, interest are going up. This has affected my personal life, my work place and my mental health, I cry everyday, cant sleep at night, thinking how in earth I'm going to pay for such amount of money when I have never spent such amount like that on any of my credit cards EVER. Is affecting my marriage and is affecting my work, because unfortunately I cant not work under this pressure thinking how and why this is happening to me and my credit card company is not protecting me. Who is supposed to protect me when obviously I've being ridiculous scammed, and I say ridiculous because the minute I found out I reported it to JetBlue credit card department, Barclay. The last thing that a manager from Investigation Department from Barclay suggested me by phone that I should travel back to The XXXX XXXX and make a law suit against the hotel. But what they don't understand is that I don't have the time or the money to leave my job, stop paying my other bills to go after the hotel, when this is supposed to be the credit card company job, they are supposed to protect me. I was always on time with my payments on my credit card, always a loyal customer, never made a dispute with them before and now something really serious is happening to me and they're not helping me at all. Please I need help, I don't know what else to do here. I sent them evidence, proof of the complaint I made to the hotel when I found out I was missing {$2000.00} dollars from my bag and also saw the charges on my credit card. I sent them proof of my booking, my check in and check out. I sent them everything I have that proves that I got scammed. Please help me. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: {$69.00} XX/XX/XXXX Annual fee that I have previously canceled. Barclays Credit Card - Specifically Frontier Airlines Credit Card I have a Frontier Barclay Credit Card - in the past, I happily paid a {$69.00} annual fee for additional benefits- more miles when you spend on airfare, restaurants, etc. Since Covid, I am not traveling and dining out as much. Last year, XXXX, I canceled the {$69.00} fee and downgraded my card to a {$0.00} annual fee with fewer benefits. I thought that was the end of it. Now, they just bumped on another {$69.00} annual fee and are refusing to reverse it. I find this highly inappropriate and scamful? Without my consent, after canceling the annual fee arrangement, they popped on the charge again. I called them today, talked to supervisor, etc,- and NO - they are not going to refund the {$69.00} annual fee- I called them and successfully removed/canceled it last year- but it suddenly popped up again. I called today asking to please reverse charge, I still use the card, but have down-graded to the {$0.00} annual fee card and they gave me a hard NO. They are not budging and I think this is criminal. A class action perhaps? All I'm looking for is my {$69.00} back. I do not want anyone else in this boat. Thank you for listening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 592XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I mailed a check on XX/XX/22 to pay my balance off on my Wyndham rewards card through Barclays Bank. On XX/XX/22, I started calling customer service because the payment had not posted. Between XXXX and XXXX I called multiple times and spoke to several phone reps and was told each time that the payment had never been received and to wait XXXX days more. I called my title company that held the escrow account the check was written out of and they stated the check had been cashed. They forwarded me a copy of the check that shows it was deposited Into their bank and had my account number HAND WRITTEN on the check. As of today, no action has been taken by Barclays Bank to rectify this issue. I have been given the run around and they have {$1800.00} of my money. I have made XXXX additional payments that I did not owe as well as paying additional interest I do not owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37620
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
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 XXXX charges were posted to my XXXX XXXX XXXX XXXX ( Barclay XXXX XXXX ) These charges were for : {$99.00} {$100.00} {$120.00} XXXX reported these charges to them immediately. They reversed these charges and said they will be doing an investigation to make sure these charges were fraudulent. After their investigation they reversed XXXX of the XXXX charges and told me the charge for {$120.00} was a valid charge. I called the merchant myself and confirmed with the merchant that ALL charges were fraud. They emailed me documentation showing all XXXX charges were refunded back to my XXXX XXXX XXXX. I called Barclay XXXX XXXX and they asked me to fax over these documents. I faxed these to them on XX/XX/2022. They still refuse to reverse the charge for {$120.00}. I have called and emailed Barclay XXXX XXXX SEVERAL times and they kept saying they were still investigating and it would take XXXX billing cycles for it show a credit. I emailed them again today and now they are telling me the {$120.00} charge is valid and it will not be reversed! I want the charge for {$120.00} plus the interest accrued refunded to my account immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing this complaint because BARCLAYS BANK DELAWARE has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. Someone opened a credit card in my name at the company Barclays in XXXX. I have never applied for this account. In addition, someone called Barclays on XXXX to dispute the account ( again not me, someone impersonating my phone number ), this caused Barclays to start and investigation which caused them to generate a letter to me at that time. I received that letter on XXXX and immediately called Barclays to dispute the account. I was told that the card was already being disputed. I then filed a police report, had affidavits of forgery and theft filled out. I have sent this information to Barclays who closed the original dispute from XXXX ( not me ) and said it was considered a valid account because they had phone records from XXXX to XXXX saying I called their company. Again, once I obtained my phone records confirmed they had no log of their number prior to XXXX and I have also sent this information to Barclays. Apparently, the person who stole my identity also spoofed my phone number. Also, I never received any statements from Barclays as they allowed the account to be opened with an old address and I never received them. This should have also been a red flag in Barclays application process as this was no longer a valid address. Also, Barclays allowed the person who called on XXXX to close the account with my new address which is how the letter they generated on XXXX was finally received by me on XXXX when I first learned of the theft. The forms I have sent to Barclays are as follows : Affidavit of Forgery ( Notarized ), Identity Theft Report ( FTC ) , County Police Report, Affidavit Identity Theft Victims Complaint and Declaration ( Notarized ), Copy of Driver License, and a Notice of Furnishers of Information and a Copy of my phone logs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A