Date Received: 2022-04-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In late XXXX, I learned that my Barclay 's credit card was months behind. I had absolutely no idea that I was behind on this card. I havent used it in a while and thought it was at a XXXX balance. Looks like there was a {$3.00} fee automated charge in XXXX and then an additional {$11.00} in automated fee in XXXX. All of the statements were going into my email junk folder. I only found out I was delinquent because I was clearing out my junk email file and saw some items from Barclays. I have had a credit score over 800 for about 15 years and this {$14.00} incident has destroyed it. If these companies are going to solicit customer to go " paperless '', they should still have the responsibility to perform debt collection efforts. Apparently since it was such a nominal amount, they didn't bother to call me ( not even once ) or use standard mail. They just let an account that was paid well for years continue to collect late fees and interest charges. If Barclays ' representatives had performed even minimal collection activities, I would have been made aware of the oversight and cleared it up immediately. I'm sure if I had owed {$20000.00}, not only would I have received calls, but my relatives and neighbors would have been called as well. When creditors see a 120 day late on a credit report, the impression of that is that collection practices occurred and the card owner refused to pay. That is not the case. They did not perform normal collections practices. I think Barclays owns some of the responsibility for not caring enough to make me aware of the delinquency. The only letter that I received from Barclays came around XX/XX/XXXX, and was dated late XXXX. All of this was after I called their collection team, found out how much I owed ( {$100.00} ) and paid the account. I wrote Barclay 's Customer Service area on XX/XX/22 and asked that Barclays update my credit report and remove the delinquencies. They responded and refused. I then wrote Barclay 's Office of the President on XX/XX/22. They responded on XX/XX/22 and also declined to remove the delinquencies. I received a voicemail from the XXXX XXXX, Executive Specialist, and called her back. She was sympathetic, but stated that their Collection Department can choose to attempt to collect or not. So, I am writing you. There is an all-out effort to move consumers from mailed statements to digital. It saves the companies money. But then, when the email ends up in your junk file and the company doesn't care enough to attempt to contact you - you end up like me. I'm not even sure I knew I was switching to digital when I did so for Barclays. The companies have their methods where you log into your account and your presented with options ( that you didn't ask for ) regarding how to receive your communication from them. But, if they are going to push us to digital mail, they need to be responsible, especially during a Pandemic to perform basic collection practices. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75040
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Baclays bank of Delaware is the card provider in question. They posted a late payment on XXXX and XXXX of 2022. I contested the information cause I never got an bill and I havent used the card in years. They removed the late payments and corrected my credit report. I am buying a house and the lender needs a letter from them stating that the XXXX and XXXX late payments were posted in error and corrected. Also in the letter have there letter head and account number in question. They refused to do so. Ive called many times and all their employees tell me they can not provide me with that letter. All I need at this point is a letter stating that they repaired what they already did. They told me they couldnt provide me with the letter cause I dont have an account with them any more and if I opened an account with them again they will provide it for me. I dont want to be forced into getting a card with them. Also I am been out in a place that I would have to come up with {$87000.00} extra on down payment to able to buy the house since this letter is not made available to me for my new lender to be able to pull my credit and re score me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84095
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 credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XXXX XXXX I called XXXX Barckleys about the promotion they offer me about balance transfer to my checking account, I spoke with someone from XXXX to process my request, she asked me if I am ready to accept balance transfer, I ask her what account number you have, she said tell me your account number, I told her three times and I ask her to repeat the account number to me, she said it matches the number I have but I cant repeat to you because of security reason, I never receive the money and they charge me to my credit card and they want me to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX I purchased an XXXX XXXX for {$550.00} after tax using the Barclays / XXXX XXXX XXXX credit card. The purchase posted on my redit card XXXX. One of the published benefits of the credit card is extended warranty protection. When the XXXX XXXX failed outside of the manufacturer warranty on XXXX, I contacted Barclays customer service to file a claim. The documentation on Barclays website advised me to file a claim at XXXX ( XXXX, XXXX ). I filed a claim ( Claim XXXX ) on XXXX 's website on XXXX, and was asked to provide additional documentation : Sales receipt, statement of manufacturer warranty, credit card statement. Additionally, a repair invoice and diagnostic from an authorized service center stating what is wrong with the product. Finally, on XXXX they tell me to call them because there is an update. I do, and they tell me that they do not offer extended warranty protection benefit for this credit card. I call XXXX about the benefit, and they tell me I need to talk to my credit card provider ( Barclays / XXXX ). So I call Barclays customer service XX/XX/XXXX and ask them to confirm that my card has extended warranty protection. They say it does, so I explain what happened. They say they will open a case ( XXXX ). A month later on XXXX, I call to ask for a status update for the case and they tell me they can not provide information, I need to talk to their Disputes Team on a different phone number. I call the disputes team, and I'm told the case was cancelled XXXX, and that I need to call XXXX. I ask to speak to a supervisor, because this was going in circles. They transferred me to one, and this time they actually got XXXX on the line to confirm XXXX statement about not providing the benefit, but that the benefit WAS advertised for my card. they again took notes about the problem, and opened a new case ( XXXX ). I am filing this complaint here in tandem because I have already spent a lot of time trying to figure this out for them and I feel that other consumers should not have to go through this trouble.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, Barclay 's Windham Rewards card took a payment from my bank when there was a {$0.00} balance because I had auto payment turned on for the statement balance, but I had made a payment in full by check before that autopay date. I even received an overpayment refund from the last payment. On XX/XX/XXXX, I advised them they took money from my bank when no payment was due. They informed that a refund could not be processed until 7-10 business days have passed from the date payment posted. I have reached out to them on multiple occasions only to get the same response. Additionally, they can not process a refund in the same manner they took it. I have to wait for a check. I have been debited {$2400.00} since XX/XX/XXXX. There still has not been a check issued to me as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2022 and XX/XX/2022 ive applied for the XXXX XXXX XXXX XXXX due to XXXX andthey denied my application twice after putting in my social security number twice. for personal family and household 15 U.S. Code 1691 - Scope of prohibition 15 U.S. Code 1681m - Requirements on users of consumer reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am looking at my report with inquiries from companies that should not have taken a hard inquiry which is interfering with my ability to obtain a home and decent wage bearing employment in my field. Most recently when applying for a home loan and a job, I found out this information. These are the inquiries that are hurting my profile. Please remove them. XXXX XXXX A XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$2400.00} Status Closed Updated XX/XX/XXXX is reporting an account that has not been verified by the consumer. I have requested documentation and verifiable information that this account belongs to XXXX XXXX, me, the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
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 placed an ad on XXXX to hire a web developer. I was contacted via email by a person who claimed to be an employee of XXXX XXXX XXXX. He provided links to his supposed projects that he had worked on, along with social media accounts that he supposedly managed. We scheduled a call and he created an outline of items that he and his team would work on. They were to redesign my website, revamp my social media accounts, and take on an ongoing project for me. ( Ongoing project is a membership group for ladies that offers weekly workouts, monthly meal plans- needed a graphic designer to format the PDFs for me ). He then created a quote, a timeline, and sent me a secure link to pay the deposit to get started. I paid {$4000.00} but felt uneasy about it for some reason. A few days went by and I hadn't received any information about next steps, so I contacted him and told him that I didn't like the process thus far and wanted a refund. He asked to give him until Monday ( XX/XX/14 ) to submit website mock ups to me. Again, something did not seem right, so I went to the XXXX site and initiated the online support chat. XXXX XXXX, a senior consultant for XXXX, answered the chat and I briefly told him what was going on. He told me that they had fired the person I was working with, XXXX XXXX, and that he has created a fake website - XXXX and has been stealing people 's money for some time now. XXXX has been impersonating the company and even has a XXXX page offering web services. XXXX advised that I contact my credit card company and file a dispute. I filed the dispute along with 50+ pages of supporting evidence. During this process, XXXX XXXX offered to give me a 40 % partial refund. I only agreed because I figured that I could at least get some of my money back while waiting on the dispute decision. During this entire time, I received no goods or services. Absolutely nothing. Barclay just contacted me to let me know that they're closing the case in favor of the merchant- which is not even a real company!! I had called several times during this process to get updates, and they would not provide any updates. I was almost always routed to a call center and the call center refused to transfer my call to a supervisor. I have been hung up on numerous times. Now I am out {$2600.00} and Barclay refuses to take any further action. This is outright theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/2022, my wife and I took a flight on XXXX XXXX flight # XXXX from XXXX to XXXX. On that flight we were offered XXXX airline miles to take out a XXXX XXXX Card with Barclays bank. Also there was a bonus XXXX miles for entering a XXXX digit code, that was hand printed on the back of the pamphlet. We accepted the pamphlet and took it home. On XX/XX/XXXX we went on line to the credit card website, XXXX and successfully completed the application and received an approval. We made our first required On purchase on XX/XX/XXXX that would initiate the transfer of XXXX miles to my XXXX XXXX account. To our dismay, we only received XXXX miles, not XXXX as advertised. On XX/XX/XXXX, I called Barclay 's customer service. The front line representative could not solve my problem so I asked for a supervisor. He issued me a case # XXXX. I was transferred to nice lady who said she could help me. She requested that I send photos of the front and back of the pamphlet to XXXX. I stayed on the line and she verified that she had received the photos and Barclays would respond to me within 3 days. I received a letter from Barclays on XX/XX/XXXX stating that " We're currently unable to assist you with your Rewards Issue '' Please call us at this XXXX number for details. I called the number on XX/XX/XXXX and was told there was no option except to issue another complaint. I then called XXXX XXXX customer service on XX/XX/XXXX. They called Barclays on my behalf but were told that the pamphlets were old and the offer was out of date and all I was entilted to was XXXX. My complaint is that the offer was fraudulent if I was given a out of date pamphlet and they should still come thru with the miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A