Date Received: 2022-04-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Applied for credit card Barclaycard XXXX XXXX on XX/XX/XXXX and was able to use to purchase plane tickets as an introductory promotion to earn XXXX miles of XXXX. XXXX XXXX XXXX, Waiting for the credit card to arrive. XX/XX/XXXX, I saw an email around XXXX that someone activated the credit card around XXXX. Never received the card physically. Then I found out someone had charged our credit card for gas, atm transaction, liquor at different locations. XX/XX/XXXX, called the Barclay XXXX credit card to report that someone activated my card I never received physically and lot of fraudulent charges made. Credit card company cancelled the card right away. Theres almost {$2500.00} that was charged on my card. Barclay XXXX XXXX stated they will investigate and will resolve the issue and will resend me a new card. XX/XX/XXXX, I got an email from barclay XXXX card that address changed had been made i know I did not made that changes so I immediately Called the Barclay XXXX credit card again to follow up on what and why this change happened. someone had made a change of address that it was not mine. Then the Fraud dept advised to change our credit card online password and email password which i did. Then I changed my mailing address to po box instead. In a months time they were able to return the other fees ( cash advance from atm, groceries charges ) worth of {$1000.00} so fees dropped to {$1500.00}. I called barclay XXXX card and questioned why the other fraud charges arent dropped but others were. XX/XX/XXXX, credit card company wrote a letter stating that they concluded that the other charges Are valid and Im liable to pay for the other charges. So I contacted and complained why would I be liable for the other charges that were connected to other charges that were dropped which doesnt make sense. The investigation they made are not correct, theres discrepancies and questionable as those fraud charges should all be dropped as theyre all connected and charged in the same day, XX/XX/XXXX. So barclay will reopen the case XXXX XXXX filed a police report for the fraud charges made and sent to barclay XXXX credit card. XX/XX/XXXX, contacted barclay XXXX credit card 3x this month and to follow up on the fraud investigation and all they can say is it still pending XX/XX/XXXX, contacted barclay XXXX credit card again 2x this month and to follow up on the fraud investigation and seems like No one can give me a direct answer so much inconsistency on the investigation. The barclay XXXX credit card has not given me resolution. Everytime I called they put me on hold for 2 hours and hang up. Im getting charge of interest. XX/XX/XXXX, this is 4th month of investigation and still Has not been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91010
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
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 robbed in XXXX XXXX and Hotel in XXXX XXXX XXXX. My wallet was stolen with credit and debit cards from XXXX, XXXX, XXXX XXXX and Barclays among others. XXXX, XXXX and XXXX XXXX noticed unusual activities on their cards but alerted me and eventually declined the transactions. I couldn't receive the alerts because my cell phone was stolen as well along with 2 watches, wedding ring, {$1800.00} cash my driver 's license among other valuables. I alerted all credit card companies the following day. The Police were called to the scene and a report was made on the night of the incident. When I got a new phone, I noticed that Barclays was the only institution that didn't try to alert me and approved transactions of approximately {$1000.00}. XXXX and XXXX did their investigation and established that the charges on their card were fraudulent. Barclays wrote to me on XX/XX/XXXX to tell me that their investigation was complete and that I was not responsible for the charges on their card. I have that letter in my possession.They kept on sending me statements with the amount plus other charges. They actually did auto pay from my bank account which I had reversed by my bank. I have made 2-3 calls weekly to them in an effort to have the matter resolved but they keep confusing me, directing me to different departments within their organisation until a month ago I noticed where my credit score fell XXXX points because of their actions. I contacted XXXX who said that they would do an investigation. XXXX emailed me this past week to say that they believe that i am responsible for the fraudulent charges even though I was not contacted during their investigation. They said that they only spoke to Barclays. I have since closed the account with Barclays because I really don't even use their card. Last transaction was their annual fee of XXXX XXXX months before. I have filed another dispute with XXXX but I was advised to report the matter to CFBP as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2022-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX. This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My XXXX XXXX Barclays XXXX Credit Card account ( Last Four Digits - XXXX / Expiration Date XX/XX/XXXX ) was closed for lack of use back in XXXX. The account was closed without Barclays providing notice to me that I needed to utilize the credit card or the account would be closed. I appealed the decision via a Consumer Financial Protection Bureau complaint in XXXX and XXXX XXXX XXXX from Barclays investigated my complaint and found that my XXXX XXXXe Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was continuously declined at a number of different merchants. I left several phone messages to XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised and therefore I was never able to utilize my XXXX XXXX Barclays XXXX Credit Card. I then submitted another complaint to the Consumer Financial Protection Bureau regarding the fact that my World Elite Barclays XXXX Credit Card was not usable as promised. XXXX XXXX XXXX from Barclays once again investigated my complaint and found that my XXXX XXXX Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, once again, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was once again declined a number of times. I once again left a voice mail for XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised, XXXX XXXX once again never returned my call and therefore I still unable to utilize my XXXX XXXX Barclays XXXX Credit Card. I would like to be able to utilize my XXXX XXXX Barclays FXXXX Credit Card once again as noted in both letters from XXXX XXXX at Barclays. Thank you, XXXX XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
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: XXXX My Gold and Arrival card are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating. The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders. All credit bureaus ( XXXX, XXXX, XXXX, XXXX, and the hundreds of alternatives such as XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies. The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest. In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. XXXX ( XXXX : XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX ), and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, I logged into my Barclays account at https : //cards.barclaycardus.com/. I was able to view my account balance, payment history, and more as I have been able to since opening the card. Please note, the card was closed back in XXXX ; however, this has not prevented me from accessing my account to make payments. After reviewing my account, I attempted to change my password as I received updated information from XXXX ( under " Password Settings '' ) that my password has been compromised due to redundant use. Therefore, I attempted to update my password. Eventually, after a few error messages I was able to successfully update my password but I could not access my account after being prompted to log in. I recorded the password both on my XXXX and via my XXXX but I received an error that my credentials were wrong. I attempted to use the " Password Reset '' feature but I was asked to provide the XXXX code ; however, I have not had the card for five years or more. The account is closed. I called customer service and they advised that since the account was closed, I no longer would have access to the account after six months from the closing of the account but this is not correct. I've logged into my account every month to pay my bill. To add, I've taken a more aggressive approach ; therefore, I make multiple payments each month. I advised that the information about me not having access was incorrect as I just accessed my account, saw that balance was about {$260.00} remaining and I experienced an issue only because of the password reset request. Although pleasant, the representative proceeded to attempt to collect a payment from me although I've already paid for this month. I am attempting to purchase a home and I need access to my statements for financing. The representative repeatedly advised that there is no fee to retrieve payment via phone ; however, that was not the goal of the call. I feel as though this violates a convenience or ease of payment methods to adequately manage my account. Additionally, this error may have occurred as a deceptive practice to force individuals to pay their account in full. I was about to pay but I was extremely upset with the alleged practice as I'm in finance. I've attached the confirmation advising that I have successfully changed my password, and other confirmation emails advising of credit score changes and payment activity in which they all prompt me to log into my account ONLINE to view all activity. This is contradictory to what the representative disclosed. The only document that does not prompt me to log into my online account is the password confirmation email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I responded to an offer ( copy attached ) from Wyndham Rewards XXXX Card/BarclaysUS by joining XXXX as a new member ( payment confirmation copy attached ). I did not receive the statement credit of {$60.00} as promised so I disputed the {$60.00} balance on my credit card statement ( copy of my dispute letter dated XX/XX/XXXX attached ). The {$60.00} statement credit was posted to my credit card on XX/XX/XXXX. Today I tried to use my XXXX membership to make a purchase in-store, and the manager told me that the credit card company reversed the membership charge, which cancelled my membership.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91214
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: im apply a business card at barclay websilte. and received the result said is reject, call the customer service said need to provide the share holder information. our company is a XXXX , we have 2 share holder is XXXX i talk the the customer service said they only on 10 % of the company each and not the use person, do not have the ssn and the XXXX id ask what need to provide. they just call me back said the backend just request XXXX passport to process. after i submit the document, they said they do not accept any foreign document. you can reject the application. but the rep ask the document to provide, after i provide the document you request. the result is reject this document. it's joking to the customer. my application id XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
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: I filed a claim in XXXX for a package that was not received in XXXX. The item was a trampoline that was set to arrive in two parts. Only half of the item arrived thus making the product useless. The merchant agreed to refund me but said the credit card company would need to use an authorization code to reverse the other half of the charge. I reached out to them countless times and each time Ive been told its being escalated. Its been four months and nothing. Barclays has the worst customer service representatives and I urge everyone to reconsider when opening a line of credit with them. Their dispute process is lengthy and unfortunately very frustrating to navigate. As you can see in my documentation, the full {$440.00} was charged to my card. Days later, XXXX refunded me {$220.00} which is half the purchase price. Since the item was shipped as two different boxes and we only received one, we only had one box to return to the store however, we are still missing the other half of the order which is what we are disputing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: previous complaint file no. XXXX, where account was opened without my knowledge and never received card. Wyndham said they would close credit card account they have not. I want it closed. The attached letter also has the wrong name listed. XXXX XXXX was deceptive during her presentation and mentioned noting about opening a credit card account which I never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A