Date Received: 2022-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an account with Barclays Bank for a credit card that was closed in XXXX. I have tried unsuccessfully to validate the debt, make contact with someone to discuss payment in full or in settlement. They continue to report negatively every month without recourse or fair access to any means of communication. They were able to find my account over the phone, but would not transfer me to another department to remit payment or discuss the debt. Their customer service team will not respond to my disputes via all 3 bureaus in the last 2 months to validate the debt. I've included evidence of the last statement from XXXX, Attached here, and my willingness to pay. Nevertheless I do not get a call, email, letter, or any response. And if they truly believed the account to be fraudulent as originally believed, the tradeline should not be reported each month as a derogatory " CO ''. This refreshing as recently as XX/XX/XXXX as if the account was closed this month. This is inaccurate, unfair, and detrimental to my appearance as a delinquent debtor. My last letter sent via XXXX class US mail XXXX was never acknowledged. My follow up call was routed to a person who said they could not assist. Below is the letter text : " I am willing to pay {$300.00} for full final settlement of this account in exchange for an immediate deletion of this tradeline from any and all consumer reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX. This offer of settlement is not an admission or acknowledgment of the liability for this debt, but it is merely a way of having this negative item removed from my credit files. Please do not state you are unable, or it is against any law to delete this account. I am aware of both your rights as well as my own. It is in the authority of a furnisher of information to consumer reporting agencies to report a debt, not report a debt or delete a debt from all consumer reporting agencies. The purpose of this settlement is to merely have this item removed from all consumer reporting agencies. Certified funds in the form of a cashiers check or money order in the amount of {$300.00} will be sent to Barclays Bank Delaware, promptly if the following terms of this pay for delete agreement are met : Full deletion of any and all references to this account in my credit files. Full satisfaction of the debt. No waiting period for the debt to be deleted from the consumer reporting agencies since the debt will be satisfied via certified funds. Barclays Bank Delaware agrees to delete any and all information referring to this account from all credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX within fifteen ( 15 ) calendar days following receipt of full and final payment of agreed upon amount. Barclays Bank Delaware will not discuss the terms of this settlement with anyone and if contacted by any third party, including any consumer reporting agency, Barclays Bank Delaware will not acknowledge that any settlement offer was made, accepted, or executed and will deny knowledge of debt. If you agree to the terms and accept this agreement, I will send you certified funds immediately upon receipt of a signed agreement. The funds will be sent only if in exchange for it, you are agreeing to the above terms set forth and will be deleting this account from all consumer reporting agencies ( XXXX, XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
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: I purchased tickets to the XXXX XXXX concert on XX/XX/XXXX. Due to the pandemic, the concert date has been continually pushed back. On XX/XX/XXXX, XXXX finally announced that she was cancelling all of her remaining concerts due to her health. We worked with XXXX XXXX and they refunded the money on XX/XX/XXXX. I contacted Barclaycard on XX/XX/XXXX to see why the credit had not been applied to our account and was told it could take up to 10 days from the refund date to post. I waited until XX/XX/XXXX to call back when no credit was applied to my account. On this call I was told that XXXX had not refunded the money despise having a receipt from them showing they in fact did. Barclaycard told me I would have to wait. I requested to speak with a supervisor and was told there was no supervisor present and that I would have to be put on a call back list. Upon asking about an estimated callback time, the rep told me it could take 8 - 10 days to speak with a supervisor. It has now been a full week and I've not received a call back and still no credit on my account. The refund amount is {$600.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Recently, I, ( XXXX XXXX ), was denied an extension of credit by Barclays. On XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). BARCLAYS has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. BARCLAYS should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Payment for credit card was sent but account was reported as delinquent to credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX Barclays Jet Blue MasterCard notified me that if i didn't use the card it would be cancelled. I charged a restaurant bill for {$71.00} in mid XXXX and paid the charge in full before it was due XX/XX/2022. I have a cancelled check showing that. Barclays deposited my check but did not credit it to my account, and has been charging me late fees and interest ever since. I've made at least 8 long calls to Barclays, and have sent them a copy of the deposited check. They keep telling me " they will resolve it '' but they have knocked my credit rating XXXX points by reporting it as an uncollected debt. They have failed to give me appropriate credit for my payments and have not written the credit agencies to say this was their error not mine ... .and they haven't FIXED IT. No matter how many people I speak to, nothing gets done. I have copies of all docs for proof. Please help. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX I received an email from Barclays regarding my XXXXXXXX XXXX XXXX XXXX offering a reduced interest rate through XX/XX/XXXX. I accepted the offer. I later received a letter dated XX/XX/XXXX referencing credit review date of XX/XX/XXXX advising that my credit limit was being reduced to about have of the limit that it had been for several years. Between the offer date of XX/XX/XXXX and XX/XX/XXXX, to my knowledge, there were no changes to my credit report that would have had a negative review. I use several credit monitoring systems and between that time period the provide scores from these services stayed the same or increased. I believe this was an Unfair Deceptive Abusive Act or Practice. From the marketing material I received I had no reason to believe that there would be changes to the XXXX account other than the reduction of the interest rate. So far I have experienced the following damages due to the reduced credit limit including payments declined and my bank card utilization to increase above 30 % resulting in reduced credit scores. After XX/XX/XXXX but before I received the notice of the reduced credit limit I was applying for a residential loan. This reduction in credit limit may cause me additional damage of not being eligible for the loan I have been preapproved for as well as additional damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98626
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for credit and was denied, my denial letter is proof I was discriminated against. Barclays should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Barclays Bank refuses to close my credit card account. They also refuse to admit that it remains open. When I call, they insist that it has been closed since XXXX, XXXX. In XXXX, XXXX, they applied fraudulent transactions to my account. Over 9 phone calls and 2 months, Barclays staff consistently admitted that I was not liable for the charges and repeatedly made false promises that the charges would be removed. At one point, they even duplicated the false charges. After ten phone calls, they finally removed the false charges and returned my money to me. Barclays representatives also assured me that the account was closed. On two occasions, I even made calls specifically to verify that the account was closed, including on XX/XX/XXXX, and on XX/XX/XXXX. I made these calls separately from my calls about the false charges, and I documented them as separate calls just for verifying the closure. Barclays staff insisted on both occasions that the account had already been closed, and that I would receive a final statement no more than 90 days after its closure. On the second occasion, I asked to receive a paper statement acknowledging the closure of the account, and was told that one should have been sent to me, and that I am not allowed to have another one. I asked for an e-mail confirming that my account was closed, and this request was also denied. Today, XX/XX/XXXX, Barclays has issued me a bill for an account renewal fee of {$99.00}. I am attaching the following evidence : ( 1 ) an annual statement that shows no charges were made on my account by me after XX/XX/XXXX, ( 2 ) Statements from XX/XX/XXXX and XX/XX/XXXX showing an account balance of XXXX dollars, with the exception of the annual fee, ( 3 ) a screenshot of my account, showing the annual fee and new balance of {$99.00}, ( 4 ) a letter I wrote to CEO XXXX XXXX of XXXX XXXX dated XX/XX/XXXX, in which I asked Mr. XXXX to end his company 's business relationship with Barclays. This letter details, with contemporaneous notes, the misconduct of Barclays, and states that I am still waiting on the closure of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a similar complaint against this bank a few months ago but it never went anywhere and I am not sure why. Was it submitted? I never got a resolution of any kind. I contacted this bank several times in the last three months about the interest rate I am being charged after purchasing a piece of furniture in the early fall of last year. I did not at the time realize that I would not be able to be offered a low interest rate on a new purchase like this for at least six months. Most cards do offer this and it was too late. I can not afford to pay this interest. I am still being affected by the Pandemic ( my mortgage was on deferral for a year and four months and we just went back to paying ). That coupled with the cost of heat right now is crippling us financially. If nothing is done for us, I told them that I am going to have to force a settlement. I want the interest credited back to us from XXXX and this one item at the very least put on a low interest rate for six months starting now or I am going to have to offer a settlement of less than half the balance and take my punches as far as my credit goes. I will deal with it. I am not going to not be able to put food on my table and heat my house due to not being able to make a dent in this balance. I don't think this is too much to ask considering what is going on in this country and what we have been through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was pitched the JetBlue credit card on a flight recently and was told the XXXX bonus miles offer was the best that JetBlue ever offered. I assumed that was true, and so I applied for the card. Now, barely one week after having the card, I see on jetblue.com that if I apply through their website that they are offering XXXX bonus miles for the card that I just applied for. It seems the marketing pitch on board was misleading.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A