Date Received: 2022-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello. I have previously submitted a complaint to Barclays bank in regards to a late payment in XX/XX/2021. Since then Barclays bank has issued me a refund of the late fee due to my request. According to the United States 2021 Covid Cares Act. Once a consumer had/has been accommodated of any request on their account by a creditor in my case refund of late fees He or She is entitled to removal of said late payment/s from their account, as well as the credit bureaus. I am reaching out to you so that you can make sure that this Covid Cares Act is legally upheld on my behalf Regards XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Received a letter that states, " Our records indicate that a previous credit card account that you held with Barclays Bank Deleware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' It has been beyond 10 years past my bankruptcy which is not supposed to be held against me. I have no idea when I had a Barclay 's Bank Card. I think that this is unfair as I have worked very diligenty to repair my credit after my first divorce!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had a Barclays card since XXXX. I received a promotional offer for 0 % interest on all purchases through XX/XX/XXXX. I have the account set up on auto draft every month for {$300.00}, which is more than the minimum amount due. On XX/XX/XXXX they drafted {$7600.00} out of my account instead of the authorized amount of {$300.00}. I discovered this on XX/XX/XXXX and immediately contacted the company. The first representative I spoke with acknowledged that there was an issue on their end. She discovered that the promotional rate was not being applied properly and that I was being charged interest and then credited the payments back every month and that this issue also somehow effected the withdrawal amount. She wrote up a case to fix the interest rate and transferred me to the dispute department to get the payment corrected. The second and third representatives were very rude and told me I had an issue with my bank and it was their fault. I explained to them that the auto draft is not done through my bank and that it was initiated from them and presented to the bank and that if I disputed the payment, as they were instructing me to, it would put me in default of the payment terms for the promotional interest rate. After XXXX hours, a fourth representative finally admitted that the error was on their side and the computer increased the minimum amount due because they did not properly apply the promotional interest rate and incorrectly stated that " by agreeing to auto payments that the consumer agrees that they are allowed to take out any amount they want if they feel like account balance is too high and the consumer may be in danger of default. '' I explained to her that was not correct information, that the minimum amount due on the account was approximately {$150.00} and that I am a collections attorney and that the statements she made were factually incorrect. I was then informed the money would be returned to my account and that it would " take XXXX billing cycles, but there is no need for me to wait that long. '' I was unable to get a clear answer as to what that meant. I was never contacted by a representative so I contacted them again on XX/XX/XXXX and was told that the case was resolved and I would receive the money refunded within 10 days of XX/XX/XXXX and then I would need to supplement the payment of {$300.00} that I had originally scheduled. I never received the refund nor was I contacted by anyone. I called again on XX/XX/XXXX and was told that the case had been resolved and the money was going to be refunded, but that it had not been assigned to someone yet to actually process the refund. I asked to speak with someone else to escalate the issue and was placed on hold and then ultimately told that no one was available. I clearly informed them that I was trying to resolve the situation amicably, that I was not asking for them to do anything other than refund the money beyond which they were allowed to withdrawal and that I would be filing a CFPB complaint if I was not contacted by someone or had the money returned to me by XX/XX/XXXX. No one ever contacted me nor refunded any money. I contacted them again on XX/XX/XXXX and was told that it is still being investigated and that it will take XXXX billing cycles for the dispute to be handled. I explained that the the prior representatives on both XX/XX/XXXX and XX/XX/XXXX both expressed the case had been resolved and we were simply waiting for the money to be returned and that this is inconsistent information. The representative again stated the time frame as XXXX billing cycles, but offered to escalate the case to be resolved in XXXX hours. I have confirmed that the promotional interest rate is still being credited back to my account, which indicates that they have not fixed that problem. They have not only grossly misrepresented a promotional XXXX in order to entice usage, they then took out a payment sum SUBSTANTIALLY larger than what was scheduled and they are essentially holding my money XXXX during the promotional XXXX period. I have not been treated well as a consumer during this process. There has been little care or concern for any consequences to me from them making these mistakes and every apology made to me has had to be forced from them. I am extremely disappointed in the unprofessional manner this very simple issue has been handled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
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: Dear Sir or Madam : I am writing to inform you about fraudulent credit card charges on my Barclay 's business credit card. There were 26 fraudulent charges from a fake merchant ( XXXX XXXX ) totaling {$12000.00}, beginning on XX/XX/2022 and ending on XX/XX/2022. On XX/XX/2022, I reported this to Barclays immediately upon recognizing the fraud charges. I have never done business with XXXX XXXX. I did not authorize these charges. This is a fake merchant with fraudulent charges applied to my credit card. I do not have a XXXX account with the account number listed in these charges ( XXXX XXXX ). Shockingly, Barclays fraud protection did not recognize grossly abnormal charging activity on my account involving 10 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), 7 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), and 6 charges on the same day ( XX/XX/2022 ) again, all for the same amount ( {$500.00} ). Barclays failure to act to protect my account against blatant and extremely repetitive fraud charges is gross negligence and a failure to protect this account holder. My attempts to rectify this fraudulent activity have fallen on deaf ears at Barclays. Despite calling every day to ask for help and repeatedly report the fraud charges, each time I am transferred to a department that has me start over with my reporting, providing no solutions nor answers as to why Barclays allowed me to fall victim to this theft, and enacting no remediation. I have called for 8 days in a row and my account still shows all of the fraudulent charges present and the balance due this month does not reflect removal of these charges. I am a XXXX that began my house call practice as a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. This Barclays card is my primary business credit card which I place XXXX XXXX+ in business charges on every year for my XXXX XXXX expenses. This fraud has put my business at risk and Barclays has not done due diligence to recognize and prevent this illegal activity, nor has Barclays provided a timely resolution and correction. I welcome a representative from CFPB and Barclays to contact me directly to inform me of the immediate resolution of this fraud and removal of the 26 charges totaling {$12000.00}. Please investigate this matter and help me to correct the billing error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was at a Wyndham XXXX XXXX presentation in XXXX with my wife. The sales rep said they needed my social security # in order to see what type of time share package I would be eligible for. At no time did the two representatives that did the presentation said anything about me applying for a credit card. We spent 2-3 hours at the presentation and about a half hour after we left, I got an email stating I have been approved for a Wyndham credit card. I never authorized anyone to apply for a credit card in my name. I immediately called the credit card company, explained my situation and closed the card. I tried to contact the Wyndham XXXX XXXX presentation site, but was unable to find a way to call the location directly. I spoke to a sales rep who is unable or unwilling to find out who opened a credit card in my name without authority. Secondly, they also did a bait and switch on us. We were told we could sign up for their " XXXX XXXX '' and try out all the time share benefits as a time share owner without commitment. After signing some documents and handing our credit card and financial info over, we discovered the XXXX XXXX have limitations and DID NOT have the same benefits as a time share ownership. The Wyndham XXXX XXXX might have been a decent product, but the sales tactics are so manipulative and deceiving! We were told one thing and then given something else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2022 and XX/XX/2022 My application was denied and processed as fraud as I was trying to change my name to my legal name and/or cancel the application and start over. They still did a hard inquiry when I asked them not to until I was able to fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX RE : Demand for Removal of Errors on Credit Report COMPLAINT ID XXXX Re : Notice of Dispute Pursuant to section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my reports. I demand this item to be DELETED from my credit report ASAP BARCLAYS BANK DELAWARE - Partial Acct # XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX Under Section 168 FCRA this Account Number # XXXX does not match my records nor the original creditors ' records to what reflects on my credit card and statement, therefore this item MUST be DELETED under this law. My consumer report is extremely valuable to me, and I wish to advise you that willful non-compliance is a violation of Section 168 of the Fair Credit Reporting Act. I assume 30 days is a reasonable time for your investigation. After your investigation, please provide me with an updated credit report as well as the name, addresses, and telephone numbers of the individuals that have been contacted. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
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: My credit card company continued to honor charges from the XXXX XXXX XXXX after I cancelled my subscription. I disputed the charges, but the XXXX XXXX XXXX requires subscription cancellations by phone ( for all but Nevada and California residents ) so there is no documentation to support my requests to cancel my subscription. After {$220.00} in fraudulent charges and 10 months of trying to resolve the matter with both the XXXX XXXX XXXX and the credit card company, I ultimately closed my credit card account. The credit card company would not confirm that additional charges by the XXXX XXXX XXXX on the closed account would not continue to be honored and if honored, I would be expected to pay them. The credit card company could offer no other resolution. The XXXX advertises " cancel any time '' subscriptions on their website. However, there is no actual way, apparently, to cancel the subscription. First of all, cancellation requests must be made by phone call ( except for CA and NV residents due to state law ). Not only do they keep you on the line for 20 minutes trying to talk you out of canceling, they do not keep any record of your call ( even though they say the call is being recorded ) and there is no documentation of any phone call. I called twice, and was told there was no record of previous calls. I was also told that my subscription would be cancelled and there would be no further charges to my credit card. This was a lie. They continued to charge my card and, in fact, after 5 months, increased the charges by 10 times the original amount. The second time I called, I was told they do cancel the subscription, but not until the renewal date. So I had signed up XX/XX/XXXX at an introductory rate of $ XXXX. I called to cancel my subscription in XXXX, XXXX. I was told ( after 20 minutes ) that the subscription would be cancelled and there would be no further charges to my account. In XXXX, as I reviewed my account charges for my taxes, I noticed not only the $ XXXX charges had continued, but in XX/XX/XXXX, the charges had increased to $ XXXX. I disputed all of the charges after XX/XX/XXXX with my credit card company and awaited their response. I had no documentation to provide, because per XXXX requirement, the cancellation had been done via voice phone call. The credit card company initially removed the charges pending review, but then re-applied all of them due to lack of documentation. I then called the XXXX again to cancel my subscription in XX/XX/XXXX. After 20 minutes of trying to convince me to keep my subscription, I was told the same story that my subscription would be cancelled and no further charges made. I have zero reason to believe them. And so, for my own protection, in XX/XX/XXXX, I called to ask for a replacement credit card with a new number. I had been told in XX/XX/XXXX by the credit card company that this would resolve the matter. I had a trip planned that month and did not want to travel without a credit card. So when I returned from travel, I call the credit card company to ask for a new card/number to be issued. I was then told by the credit card company that the XXXX subscription would continue on my new card. I asked to close my account, which I ultimately did, but I was told that even then, it was possible that the XXXX could continue to bill me for the subscription on my closed account and that I would be expected to pay for the charges. How is this legal? Is there literally no way to cancel a subscription with the XXXX? How are there so few protections for consumers? This is unacceptable business practice on the part of the credit card company and the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, my Barclays credit card was stolen from my car and was used in XXXX store for {$1300.00} without my authorization. Five attempts including emails and phone calls have been made with Barclays Bank since immediately after the crime regarding removing this charge. However the written response from the bank determined this charge to be valid without any reason given. I was shocked. With detailed police report ( XXXX XXXX Police Department # XXXX ) and other evidence present, how can this transaction be determined VALID? Has the signature been verified during the investigation? The bank does not response any more and does not remove the transaction. This is totally unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: I have identity theft, there is a credit card that is not mine on my credit report from Barclays Bank that is not mine which was Opened XX/XX/22. I called the bank and they will not close or freeze the account without the application ID. I had filled out an application for a XXXX XXXX card in flight XX/XX/22 and you give the application to flight attendant. The bank told me the card only has my SS and they need me to call XXXX. I have tried for 2 days and can not get a person on line only a recording that disconnects me eventually. I have spent hours trying. I called XXXX and they said I need a person at XXXX but how? I was trying to save them {$16000.00}, help!! There is an incorrect name on my credit report, I do not know if this is part of it, if I could speak to a person and have it removed.
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: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A