Date Received: 2022-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2022 I sent Barclays a negotiable instrument ( postal money order ) as a tender of payment in accord and satisfaction to settle the account balance for my accounts ( U.C.C. 3-603 / U.C.C. 3-311 ). The postal money order had a conspicuous statement written on it notifying Barclays of the negotiated contract that I, as a consumer, have a right to exercise. Barclays accepted and cashed the money order. However, they failed to satisfy the account. In return, I mailed over a notice of demand on XX/XX/2022 to inform Barclays that my account needed to be fully satisfied as well as reported to the credit bureaus without penalty that the account is in full satisfaction. I received an email on XXXX 2022 that an investigation was opened. I did not request an investigation. However, I have not heard back from Barclays regarding my payment. The default rule under contract law for determining the time at which an offer is accepted states that an offer is considered accepted at the time that the acceptance is communicated. I have tried resolving the issue with Barclays via letter, mail and phone. I was told that someone would reach out to me since the agent did not have knowledge of my payment. I believe the ignorance of the agents regarding the law is the reason why my issue has not been resolved. I have been penalized due to Barclays reporting to the CRA that I have late payments on an account that has already been fully satisfied as well as have a balance remain on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: My wife and I each have an XXXX XXXX XXXX XXXX XXXX credit card issued by Barclays Bank Delaware [ under two ( 2 ) separate accounts. ] We have instructed them on several occasions to desist sending us so-called convenience checks, for which we have no use whatsoever. For a while, no checks, then later they start reappearing again. We are concerned about the possible theft of these checks and their fraudulent use. How many times should we be compelled to waste our time calling them only to be connected to a call center where the representatives -- halfway around the world -- barely can speak intelligible English? At a time when the President of the United States has cautioned us to beware of all kinds of potential scams and security thefts is it possible for you to issue an order inquiring credit card issuers not to send out convenience checks unless opted-in by their customers? And establish a stiff fine for failing to comply with an opt-out request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
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 purchased tickets using my credit card for a concert on XX/XX/2021 at the cost of {XXXX}. I contacted my credit card company because the company that sold me the tickets has been known for fraud. The ticket company actually told me to contact a third party company about my tickets. The 3rd party told me they have no record of this transaction. I filed a charge dispute with my credit card company but was told since it was after 90 days that they can not help me. I have had this credit card from Barclay card for almost 20 years. They told me I have to call the original company XXXX. I call them get a voicemail because their numbers are blocked by my cell company. I have added their number but the number comes from a different one every time. I looked up this company also and they have multiple recent complaints about fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for the Jet Blue Credit Card on XX/XX/XXXX. At the time I signed up Jet Blue offered XXXX points with the stipulation I paid the annual fee, and charged the required amount within 90 days. At that time I purchased two round trip airline tickets to Florida. I paid the annual fee on XX/XX/XXXX and charged {$2300.00} to the card ( this is twice the required amount ) .on XX/XX/XXXX. This offer was made on line when I was about to charge the tickets to my visa account. It also was posted in the airline terminal and onboard JetBlue flights. I also received three emails advertising the points. The first was dated XX/XX/XXXX, the second was dated XX/XX/XXXX and the third was dated XX/XX/XXXX. The XXXX point offer was in effect before and after I signed up..Recently I received another email dated XX/XX/XXXX indicating the clock is ticking - be sure to earn your bonus points. I spoke with customer service at JetBlue and the representative stated that the information I provided was correct but they needed Barclays to authorize the points. I spoke wit Barclays customer service and they stated they would look into it. On XX/XX/XXXX I received a letter from Barclays stating " We're currently unable to assist you with your rewards issue ''. I contacted customer service and asked for a reason and they indicated that since I purchased tickets at the time I signed for the card they had the option to give the discount or the points. Nowhere was this offered and they advised it was their choice to do this. In checking my account I see that a XXXX XXXX bonus was applied instead of the XXXX advertised at the time of enrollment. I believe this is very unfair to be treated this way and hope you can help with this issue. At first I believed this was an administrative error but after speaking with both JetBlue and Barclays it appears to be more than that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A person pretending to be me has reported to XXXX, XXXX, and XXXX that my credit cards have been missing/lost and requested new credit cards to be sent to my address. They also submitted a " change of address '' request with the USPS which i never authorized or knew about. They also opened a new credit card/account with XXXX XXXX. I have called XXXX, XXXX, XXXX, and jet blue and had all my cards/accounts closed/replaced. The dates of these events take place between XX/XX/XXXX and XXXX/XXXX/XXXX. I also filed a police report describing the events on XX/XX/XXXX with the XXXX XXXX police department in OH.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
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 using my Barclay XXXX XXXX that ends in XXXX in the amount of {$32.00}. On XX/XX/XXXX, within seven days of purchase, I returned the purchase to the merchant and the merchant issued a full refund to an entirely different card that ends in XXXX. I brought this matter to the attention of Barclay billing disputes, and a billing dispute was opened, and was subsequently closed because at that time, the merchant falsely claimed that the merchandise was not returned. However, in an extensive email exchange with the merchant between XX/XX/XXXX, and XX/XX/XXXX, the merchant acknowledged that the merchandise was in fact returned and that the refund was not applied back to the Barclay credit card ending in XXXX. Instead, the refund was misapplied to a card that ends in XXXX. I brought these additional facts to the attention of Barclay billing dispute on XX/XX/XXXX, and attempted unsuccessfully to call Barclay executive office on XXXX but no one would ever answer the phone or return phone messages that were repeatedly left. In addition, the entire email exchange with this merchant was copied to Barclay 's executive office email address, XXXX, and again, no one ever responded or acknowledged it. Barclay is required under the Fair Credit Billing Act ( FCBA ), to resolve this billing dispute, and has since failed to effectively resolve it which may result in legal liability, damages and attorneys ' fees under the FCBA. In summary, as noted above, the original purchase was made on the Barclay credit card ending in XXXX ; however, when the merchandise was returned, the merchant misapplied the credit/refund to an entirely different card number. Thus, under the FCBA, Barclay has a legal obligation to resolve this billing dispute, including charging this transaction back to the merchant and issuing a credit in the amount in dispute including any fees and accrued interest associated with this transaction.
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: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX ( XXXX ) XX/XX/2022 I noticed this hard inquiry placed on my account but I never applied for such thing. BARCLAYS BANK DELAWARE ( Bank ) XX/XX/2022 This one was also placed as a hard inquiry on my account but again, never did I apply for a loan or credit card from either of these places and would like these taken off my account and resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92236
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
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 XXXX XXXX, 2021, a fraudulent transaction was made with my credit card in the amount of {$2100.00} in XXXX XXXX. I reported it to the issuing bank as soon as I saw it on my statement. But after repeated calls and explanations they will not accept that the transaction was fraudulent. I made a legitimate transaction at a store in XXXX XXXX for {$61.00}, but while they had my credit card in their possession they processed a second transaction for {$2100.00} that was fraudulent. Since both transactions were made with a chip reading device my credit card bank believes that and only that proves the transaction was not fraudulent. I have asked to see a receipt I would have signed for the {$2100.00} purchase and to know what the charge was for, but the bank can not provide that. The inability of the bank to produce a signed receipt for a transaction of this size should be enough to substantiate the fraud. Here we are 6 months later and that fraudulent transaction is still on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In late XXXX, I opened a XXXX XXXX XXXX Mastercard with Barclays. At the time, the advertised bonus off was XXXX bonus miles if I completed {$3000.00} worth of purchases and paid the annual fee within 90 days. I did this and Barclays has repeatedly acknowledged as much. To date, I have received only XXXX bonus miles. This appears to have been an error or some sort of system glitch. The same thing has happened to my wife who has also been unable to get the matter resolved. We opened our accounts months ago to obtain enough miles to pay for international flights at the end of XXXX. The flights are quickly becoming increasingly expensive and we need this resolved ASAP. I have been repeatedly contacting Barclays to obtain resolution. I was initially told it would be resolved within 30 days, which was XX/XX/XXXX. Resolution had not occurred and so my wife and I called in and spoke with a XXXX. The XXXX said he would personally call me around XX/XX/XXXX, to follow up on whether there had been resolution and that if I hadn't heard from him or gotten resolution to call in. I did so, spoke to another XXXX and was told it would be resolved within a few days. Another week went by without any resolution so I called back in on XX/XX/XXXX. To date, I have not received my additional XXXX points and my wife has not received hers on her separate account either. At this point, I have no choice but to conclude I am being stonewalled by Barclays in the hopes I will get tired of trying to fix the issue so that they do not have to give the points they promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have Things On My credit thats not recognized by me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A