Date Received: 2022-04-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotional offer from Barclays about 0 % APR upto XX/XX/XXXX, with only balance transfer fee of 4 % and no other fee. After a few weeks into the offer i see that they have charged me a minimum payment which is due on XX/XX/XXXX. I had multiple calls with their customer service teams which i believe is based in a XXXX country, and they keep misleading the customer by giving them false information without logging proper details of the calls to the extent of giving information which may not be true just to get an upset customer off their back, and when i have called on the following day i was given a totally different answer by the agent who handled the call at that time.I was even assured by one of their team leads in US that there will be no charge till next year XX/XX/XXXX but now they have gone and billed me a monthly minimum payment due. I would lodge a complaint for misleading me entirely not only thru false advertisement but also thru their call centers and their agents, this has negatively affected my credit score and I have spent countless hours in trying to resolve this issue without any luck, I wish to cancel my card and be compensated fairly for my losses
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94545
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In error, I made a duplicate payment on XX/XX/2022 in the amount of {$340.00}. I noticed my error on XX/XX/2022 and reached out to Barclays using the automated message feature online after logging into my account. I was told that the ACH would not be reversed but I would receive a credit on the next billing cycle. A billing cycle has passed and I did not receive the credit as expected. I reached out to Barclays and they told me they had no record of the request. My balance is now - {$340.00} - meaning I have zero amount due and it is obvious that I am owed money by Barclays. Instead of issuing an immediate refund to my account, the account representative I contacted immediately issued a check that would be sent in XXXX business days. This should have been completed when I initially contacted Barclays. I have copies of all chat and email transcripts that I can provide for verification of the above. I ended up closing my account with Barclays that I had for many many years because I do not trust them and I am considering reaching out to my state 's attorney general to formally file a complaint as it relates to XXXX. Barclays was extremely deceptive and in my communication with the account representatives it is clear that their practices caused harm to me as I have been without the funds for over 45 days at the time of this complaint. I want Barclays to let me know when the check was issued via mail and I would like someone from their management team to contact me so I can further file a formal complaint with their office to ensure this terrible customer interaction is not experienced by other consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
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: At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX. XXXX XXXX XXXX dated XX/XX/22 for XXXX XXXX which I never applied for, requesting copy of front and back side of DL, SS card, utility bill or bank statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19958
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX of XXXX I bought a XXXX that costed {$1700.00} in an XXXX store in XXXX, New York. When I was about to buy it, the sales person offered me the Barclay credit card with XXXX rewards. He told me that I could buy the XXXX with it with no interests if i would make more than {$1700.00} in payments before XX/XX/XXXX. I accepted the offer. By XXXX, XXXX I had already made {$1800.00} in payments, which, according to what was said to me, would exempt me from the interests of the XXXX purchase. To my surprise, last XXXX, XXXX, Barclay added {$770.00} in interests to my balance. When I called them inquiring about the sudden surge, they said those were the interests of the XXXX I bought in XXXX. They explained that the {$1800.00} worth in payments made by me didn't count towards the XXXX purchase. I was misled at the time they offer the credit card to me. I have been trying to explain that to multiple representatives, but they seem not to be willing to help. In XXXX, they closed my account and placed the debt in an in-house collection department. Meanwhile they are still increasing my debt by adding penalties and interests every month. On XX/XX/XXXX I call them again, and the representative told me that is there is a problem with the interests accrued by the XXXX purchase I needed to meddle that with XXXX, but XXXX said they have nothing to do with it because they are not my creditor.
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: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To Whom It May Concern, I am an account holder with a credit card issued by Barclays USA. In XX/XX/2022, Barclays provided me and presumably other account holders with an offer beginning XX/XX/2022 and ending XX/XX/2022, stating that ANY airline or other travel purchases charged to the Barclays credit card during this period would be subject to a discounted interest rate of 3.99 %, rather than the customary standard purchase 20.24 % APR. I clicked on " accept offer '' and subsequently, from XX/XX/XXXX to XX/XX/XXXX, charged XXXX XXXX tickets with XXXX XXXX, XXXX, and XXXX, several XXXX tickets with XXXX and XXXX XXXX local XXXX XXXX, totaling {$2600.00}. XXXX When I received the billing statement yesterday for the time period of XX/XX/XXXX to XX/XX/2022, the purchases were split in two sections, one for standard purchases subject to the standard APR of 20.24 % and one section with the promotional purchases, subject to the promotional interest rate of 3.99 %. Inexplicably, the only purchases subject to the promotional interest rate totaled {$590.00}. The XXXX XXXX tickets were NOT included under promotional purchases and instead were included under the standard APR, thereby completely deviating from the offer that was provided to me and presumably other cardholders. I contacted Barclays USA today and wanted this issue rectified. The representative on the telephone confirmed that the XXXX tickets were not included in the promotional purchase section and provided with the lower interest rate. Her " explanation '' was that " these major XXXX do not have a deal with Barclays, so you can't get the lower interest rate. '' This is extremely deceptive, illegal marketing, since : a ) The offer did not distinguish or even mention some type of " deal '' or even marketing relationship necessary with Barclays to enjoy the lower interest rate b ) The representative was asked to locate the offer on the website, she stated that " we can't find it, but trust me, you have the offer, don't worry. '' Since the interest rate needs to be recalcuated and the purchases properly allocated the promised interest rate, I am turning to CFPB to investigate and remedy this gross violation of terms. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I made a transaction " XXXX XXXX - XXXX '' for {$53.00}, which should be qualified for 5X points. BUT I only receive XXXX points, and I am missing XXXX points. I've contacted Barclay customer service twice, and case ID is XXXX. It has been six weeks but still no progress at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The credit card company incorrectly charged the wrong account for payment, internal error, and then falsely reported to the all three credit bureaus that I was late past 30 days when I was not. I have asked them to remove it, they said they would look into it over thirty days ago and have still not responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, I stopped using a barclays jet blue MasterCard over two years ago. The card at the time i used it carried no fees. Ive received no bills, in paper, or electronically from barclays for over two years. Through using XXXX, I discovered that my credit score dropped over XXXX points due to unpaid bills from barclays. I called barclays and explained that I hadnt use the card in two years and thus had no idea what the charges could be from. They explained that they had this year instituted a {$40.00} annual fee. Because I had received no bills, the city remains unpaid, for two months, and was reported as a delinquent payment. I explained that I had received no bills, and they vowed to take it off my credit score. However, I am concerned that this happened in the first place. I need to make sure that the bogus late payments are removed from my credit score. Thanks so much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts show on my credit reports, I do not owe money to these companies I'm asking for immediate deletion On my XXXX Report : Delete the XXXX XXXX account ( # XXXX, opened XX/XX/XXXX ). Delete the BARCLAYSBK account ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX account ( # XXXX, opened XX/XX/XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A