Date Received: 2022-03-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Credit Card was charged for an amount that I could never afford for a vacation rental in XXXX, Colorado. I called the credit card company and they did take out the charge from my account and said they will investigate. I received a letter from the credit card company saying that the merchant still could place back the charge into my account. I have never been to Colorado and I am working in my state when my credit card was charged. I just hope to have an end to this matter. I am ready to close my account but because I would like to follow up with the result of the investigation not only for my benefit but also for the benefit of my fellow public consumers. Be vigilant on what is going on with your credit cards. I am thinking of just paying in cash right now. It is very scary especially that I am an elderly that could not follow things.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following informations apply : Purchases made total {$2300.00} Fees charged {$270.00} Interest charged {$220.00} Credit given {$110.00} Payments made {$710.00} ( breakdown {$170.00} and {$360.00} taken from XXXX, XXXX XXXX XXXX XXXX account {$120.00} and {$62.00} taken from Hawaii XXXX XXXX Payment made to Barclays were unauthorized because I did not authorize the payments. Inquiry from XXXX, someone from Barclays could have solicited the account and routing number for payment. The reason for not paying was no statement received. Barclays claimed I signed for paperless and statement sent via email but not a single email was received. Barclays sent me 4 sets of statements in 4 envelopes of different dates on XX/XX/2022 after making complain. There were 3 accounts involved ending in XXXX and XXXX which I am not fully aware of and Barclays claimed due to cards lost and fraudulent transactions. I have talked to several Barclays personnel to name like on XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( security dept ) XXXX and XXXX XXXX. On XXXX XXXX I talked to XXXX XXXX with ID no. XXXX and a manager by the name of XXXX in XXXX XXXX, I believed XXXX XXXX, Nevada for this problem to be solved. Please be informed that all of the times were all military time cause it is easier to tell if am or pm and I am a retired military. I proposed to the manager I am willing to pay in full everything I owe to resolve but I was disappointed. The phone no. I called was XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96797
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX XXXX, issued a refund of {$150.00}, {$75.00}, {$20.00} and {$20.00} on XX/XX/XXXX. Reviewing my transactions on XX/XX/XXXX, I found two additional {$20.00} charges and emailed Barclay. Barclay then made corrections; posting two {$20.00} credits to the card on the XX/XX/XXXX. Notes were put in the system regarding the {$150.00} and {$75.00} dollar credit however as of today those credits have not appeared on the account. My concern is, I have exorbitant interest rates on all my credit cards so interest is costly. I emailed Barclay and requested for timely processing of all the XX/XX/XXXX credits however seven business days later - no resolve. In addition, the two charges of {$150.00} on XX/XX/XXXX and XX/XX/XXXX still have not been credited to the account from XXXX XXXX.
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: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
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 underwriter, Barclays, is holding me responsible for {$750.00} for XXXX XXXX charges made by someone hacking into my XXXX XXXX online account, which my credit card is saved under. FACTS. XXXX XXXX fraud called me on Sunday, XXXX XX/XX/XXXX regarding multiple online orders placed under my name. They did not reach me and did not leave a message. Their number, XXXX, does not allow for inbound calls, but they called again on Tuesday, XXXX XX/XX/XXXX regarding the fraud at which time they agreed to cancel the orders ( the same number was used in both instances as noted in my phone records ). To be safe, I immediately called XXXX after the conversation, who underwrites the XXXX linked to my XXXX XXXX account. At no time was the credit card not in my possession. On about XXXX XX/XX/XXXX, I received a letter from Barclays dated XXXX XX/XX/XXXX stating for the first time that I am responsible for a {$750.00} charge from XXXX XXXX. I called Barclays at XXXX asking how this could be. They told me that XXXX XXXX presented documentation that someone using my name and credit card ordered and picked up the computer so the charges are " valid. '' I was offered the opportunity to appeal, but was encouraged to seek any video footage from the store and to supply Barclays with a copy of the merchants " online purchase policy. '' They also made it clear that they would not take any affirmative action and seek further proof from XXXX XXXX ( like the information about XXXX XXXX fraud calling me ), but that is my duty as the victim to provide documents to support a negative ; that I did not incur charges from XXXX XXXX. On XXXX XX/XX/XXXX I visited XXXX XXXX at XXXXXXXX XXXX XXXX XXXX, VA XXXX and spoke with a store manager. She told me that in their system, she saw under my XXXX XXXX account that Order # XXXX was placed on XXXX XXXX and picked up curbside on XXXX XXXX She also told me that curbside pick ups do not require customers to show their credit cards or ID to retrieve items, but to show a code that is sent to them. She also stated that any video footage of the transaction is no longer in the store 's possession ; they do not keep video footage for 60 days. Lastly, she saw that Order # XXXX, which was placed on XXXX XXXX was cancelled on XXXX XXXX. I called XXXX XXXX Customer Care and a representative opened a case for me, # XXXX. Since then I have called back for updates, and was told fraud investigations are for internal use only ; that I could not talk to their fraud department ; and that I needed to resolve the issue with my bank. In turn, I called XXXX XXXX 's corporate office, who simply routed me back to XXXX XXXX and would not answer if they maintain store footage at the corporate level. DOCUMENTS WITHIN MY POSSESSION THAT SUPPORT THE FACTS In my Spam folder I found a number of emails that support that at least two orders were placed as identified over the XXXX XX/XX/XXXX period and that someone tried to change my XXXX XXXX account password on XXXX XXXX. XXXX XXXX 's Curbside Pickup Frequently Asked Questions, which state, among other things, " When approaching your vehicle, employees will keep a safe distance and will not ask you to hand over an ID or hand over your phone/order number. '' Letter from Barclays substantiating that I am being held financially responsible for {$750.00}. A copy of the police report I filed electronically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: This is a loan through XXXX owned by Barclay bank. ( General Inquiries XXXX International ( Call us collect ) XXXX Fax Number XXXX ) I paid off loan early on XX/XX/XXXX for XXXX ending in XXXX I never received a credit refund of XXXX. I called XX/XX/XXXX after being advised to wait 25 business days to receive. I called on XX/XX/XXXX to inquire and was told they would escalate for a supervisor to call me and get the refund sent. I never got a call from a supervisor. I called XX/XX/XXXX the representative said a supervisor tried to call me with no answer. I never received a call from a supervisor or a message from a supervisor. I called XXXX. Same process. The representative could email an escalation to a supervisor and have them escalate and help me. No supervisor call. I ask if they could just send my refund money they owed me. No. The representative could only email someone else. I ask to speak with someone and was told I could not talk to anyone. I had to wait for a supervisor to call me. I called again XX/XX/XXXX. I ask for my refund check and they said I was to get a call and it was escalated. I asked what did this mean and was not given a proper answer to why I have not been issued my refund check of XXXX I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any supervisor call or message that they called. I just want them to send my refund check of XXXX. Finally I called again on XXXX. SAME runaround. I am beyond frustrated and angry. I paid my loan off. They owe me money and it has been over 4 months they still have it. I tried to answe a call on my phone today after 2 rings and was hung up on. I called back the number and it was Barclay Bank that was not able to receive called. XXXX!! It rang 2x. I called the only number I have XXXX to ask about this notation on my account said they tried to call me. I asked again for my refund and have a supervisor called me. This is wrong and a violation of my personal consumer rights!!! I want to complain and get help getting my XXXX back! Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, I have a Barclaycard Credit card. I have had this card since XXXX and have always made my payments. My monthly payment is usually only about $ XXXX however I always pay several times more than the minimum amount for example 2, 3, or {$400.00} or more. Around XXXX of XXXX I went on line to make my scheduled monthly payment and noticed in my payment history section of their website were it listed all my prior payments it stated " You have no scheduled payment at this time ''. I was surprised to see this as I never noticed it before, but assumed it was just that, I had just never noticed it, and it was stated due to my always paying many times over what the monthly payment due for the prior month was so therefor I was covered on a number of many or at least as it stated that months due payment. Because the holidays had just past I thought well, that's great, I think I will take advantage of it that month and pay a bit more to a debt with a higher balance. Despite becoming a customer in XXXX and it having been in XXXX a customer for over 4 years my credit limit was only {$700.00}. This is the limit I was given when I received the card and it had never increased in 4 years, despite my excellent history with them. It wouldn't be till many months later I would see that they had reported a past 30 days late payment reported to the credit bureaus dropping my credit score by over XXXX points! I have documents I will attach of the letter received, photos of the section on their website that if you look at the date is the XXXX of the month ( I used XXXX as example ) you will see were it states, " no payment due '' yet on their other payment page it has the actual amount and date which if you look is the same date XX/XX/XXXX stating a payment due no later than that day. This is a problem that needs to be corrected and I will assume it is not intentional and will be corrected as well. I have been trying to correct this since. I called several times, spoke with many customer service reps who stated it was an error and they would be correcting it on my credit reports by the next reporting cycle. This still has not been corrected, despite further multiple calls, continued disputes with Barclay and with each individual major credit bureaus. Barclaycard also at the time they made their incorrect report lowered my available credit line to {$500.00}. I am disgusted with the way this credit card has treated me especially as I am an excellent customer. By Barclay not rewarding periodic increases in my available credit as deserved it is most likely reflected as a negative on my report. Due to being an excellent customer my credit limit should reflect this regardless of whether i use the available credit or not. Due to Barclaycard leaving my available balance at such a low level if I use the card it will always reflect my usage level, which we know effects our scores, even if charging only {$250.00} or more as being over 50 % usage! I find this to be very unfair & a deceptive practice. When I initially applied for this card it did not say anything about them not rising available credit with the proper and responsible use of their credit card, in fact I applied for their card only after recieving an offer to transfer balances from other cards I may of had which had higher APR than they did and this was the reason I applied. After writing down the balances I wanted transferred in my application I expected this to be what I received but it was not, I did not received a card able to handle any balance transfer but this card i speak of with this minimum available limit of only {$700.00} and now down to {$500.00} for the error they made, how quickly and eager they were to lower this. After calling Barclaycard again I finally received a written letter via postal mail were Barclay card has again but now in writing has agreed to correct this error and again I do not see this correction reflected on any of the three credit bureaus. I also am calling for the increase of my credit score by at least the XXXX points that were subtracted from it when this error was reported. This is very very important!! As I am sure Barclay will agree, what is the point of corrected this error if they do not correct the reaction to the report of a fall in my score that occurred after they made this wrong report. I also would like my available to credit limit effected at the time to be corrected and if they would care to show good business faith maybe this is the time they could give a increase that one would deserve who has been such an outstanding responsible customer. I think this is not much to ask for and after the time spent and trouble caused by this mistake it is the least they could do and would rectify this issue greatly, and I deserve it. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a Barclays Uber Mastercard. The card expired and I received a new card and did not activate it. I received a very rude call on XX/XX/XXXX that I owed {$700.00} + on the card for uber rides. I went into the system and indeed someone had stolen my card and gone on many trips. The card was expired and also I had the new one and had not activated it so I was not watching the charges. I spoke with Barclays and they assured me they would go through fraud with them. I made a {$71.00} payment to not go to collections as i was in the middle of getting a mortgage and needed to make sure my credit wasn't hurt but this. I received letters from Barclays showing that I was not responsible for these charges and they would credit my account. Today, I received an email that a payment was due. I went into my account and I still owe for all these charges. What is strange is every charge has a negative below it but they are not crediting me for this. I have wasted XXXX hours on the phone with Barclays, from time to time they disconnect from me and I have to call back. I believe they are not acting in good faith as I have said I want to cancel my card when this is all resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
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 Monday, XX/XX/XXXX, I made a purchase to XXXXXXXX XXXX XXXX XXXX in the amount of XXXX for car-audio speakers. This transaction posted to my account on Wednesday, XX/XX/XXXX. The merchant 's policy permits returns within 7 days of purchase for full refunds, and on or about XX/XX/XXXX, within 7 days of the original purchase, I returned the item to the merchant and the merchant, instead of issuing a return credit back onto the credit card, issued a store credit in the amount of {$32.00} that can ONLY be used at that merchant 's place of business and no where else. I have no use for a store credit because the merchant is more than XXXX miles from my billing address and I had no intentions of ever doing business with this merchant ever again. I initiated a timely billing dispute with Barclay and the merchant misrepresented to Barclay that the merchandise was not returned. To refute that blatant fraudulent representation, I provided Barclay with a copy of the store credit from the Merchant and despite receiving proof that the merchandise was returned, Barclay sided with the merchant and closed the dispute without taking any further action. The merchant has perpetrated a fraud against my Barclay credit card by accepting the return of the merchandise and then not issuing a credit back to the credit card. Now the merchant has both the merchandise and the XXXX it charged on the credit card, and Barclay refuses to do anything about either the fraudulent representation made by the merchant or assist with the chargeback. I requested that Barclay provide a copy of the merchant 's response, and Barclay refuse to do so.
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: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I recently applied for and received an XXXX XXXX XXXX XXXX XXXX XXXX XXXX offered through Barclays Bank. I was offered the card on a recent flight on XXXX XXXX. I asked at that time if I could apply online and was told that I could. I was told to refer to the promotional code on the application ( see the attached picture showing that code, XXXX ). When I applied for the card, I was told that the first years annual fee would be waved, ( see attached photo of the application brochure that states that ). On my first statement, I was charged the XXXX fee. I complained to Barclays about this charge and their written response to me stated that Were currently unable to assist you with your Rewards issue. I think this is clearly an unfair business practice and would appreciate it if you can help me get the XXXX fee refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclays Bank fails to make a reasonable number of recent past paperless credit card statements available online. As of XX/XX/XXXX it is only possible to access paperless statements back through XX/XX/XXXX. It is not possible to access XXXX through XXXX statements of XXXX. XXXX calls to customer service on XX/XX/XXXX and XX/XX/XXXX confirm that agents are unable to access any earlier statements than what the customer is able to access online. The customer portal for the account falsely states that older statements can be ordered by calling and speaking to a representative. Neither representative I spoke to is in fact able to order past statements. Here is the exact wording found in the statements section of the customer online portal : " Order statements If you would like a copy of your previous statements, you can print statements free of charge from this website, or to order a copy of a previous statement, call Customer Service at XXXX. Please be ready to tell us the account number for which you want the statement copy and the date of the statement ( XXXX ) needed. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A