Date Received: 2022-03-05
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: Balance transfer payment of {$7000.00} from XXXX to Barclays/JetBlue XXXX canceled and payment returned to XXXX but transaction of official check posted twice each for {$7000.00} on Barclays/JetBlue XXXX account XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclay Card Late refund, poor customer 's service, false promises, missing deadlines, failed compensation Hello, I had a negative balance since XX/XX/2021, Barclay card failed to gave me refund for next 3 months. I had to make 9 calls and to send 4 emails and finally received the refund, resulting in an intermittent financial hardship. On repeated request, last one on XX/XX/XXXX, I was promised consideration for a compensation and told an approval of 'higher management team ' was needed. Upon waiting for the stated period and non-receipt of any compensation, I called on today, XX/XX/XXXX, only to know that there is no record of such compensation consideration. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The terms and conditions for getting " XXXX '' status on XXXX via the XXXX XXXX XXXX XXXX XXXX credit card through BARCLAYS bank states : XXXX XXXX, XXXX highest tier of loyalty, offers additional TrueBlue points, benefits and perks. XXXX can be earned by either spending with your XXXX XXXX XXXX Account or flying XXXX. The primary cardmember will qualify for XXXX if you spend {$50000.00} in Net Purchases ( based on purchase date ) made between XX/XX/XXXX and XX/XX/XXXX each calendar year. XXXX is earned, in addition to the XXXX points earned for Net Purchases made on the Card Account or flying XXXX. Net Purchases exclude returned goods and services, cash advances, convenience checks, transferred balances, credits, fees and interest charges. Purchases made through additional cards on the primary cardmembers Card Account ( by authorized users ) will count toward the primary cardmembers qualifying spend. Please allow XXXX weeks for XXXX once you have qualified. Cardmembers who qualify for XXXX will be eligible for the remainder of the current calendar year and the following calendar year. See jetblue.com for full details on the XXXX program. I made a purchase on XXXX on XX/XX/XXXX for {$940.00} after checking how much I had spent so far in XXXX. I saw that I was a few hundred dollars shy of the {$50000.00}, so I made a {$940.00} purchase on XX/XX/XXXX to meet ( and exceed ) the {$50000.00} threshold for XXXX status. That amount/charge did not post to my credit card until XX/XX/XXXX ( posting date ). The terms and conditions above CLEARLY state that the {$50000.00} must be spent XXXX of the calendar year and that it is based on PURCHASE date, not posting date. The rewards department would not count the {$940.00} purchase towards XXXX and took my XXXX status away ( that I had also qualified for the two years prior. ) They say I only spent {$49000.00}. If they included the XX/XX/XXXX purchase of {$940.00}, I would have been at {$50000.00}. As a consumer, all I can control is the date I make a purchase. How can I control when a company chooses to run my card or which day it will hit the credit card? It is MISLEADING and a breach of their contract to take my XXXX status away. I spent {$50000.00} during XXXX - I even sent them the receipt from XXXX which shows XX/XX/XXXX as the purchase date. I have spent hours calling them and I have spoken to about 8 different agents/supervisors/managers and nobody has rectified the mistake. I sent them the above terms and conditions posted on their website which shows it is based on purchase date, not posting date and I sent them the receipt as proof of purchase ( date. ) The official letter I received from the " rewards department '' ( who supposedly looked into my case ), dated XX/XX/XXXX reads : Dear XXXX, This is about your recent inquiry related to your XXXX XXXX XXXX XXXX XXXX account. We're currently unable to assist you with your Rewards issue. Please contact us at the number on the back of your card for additional details. We're available 24 hours a day, 7 days a week. We appreciate your business and look forward to servicing your financial needs. Sincerely, XXXX I initially called on XX/XX/XXXX because I realized my XXXX status was removed and I had a flight coming up on XXXX on XX/XX/XXXX. I did not have my XXXX status for that flight I took with my husband, stepdaughter and puppy. The " attach a file '' below is NOT WORKING. I tried attaching a PDF of my XXXX receipt as well as an image of their terms and conditions for XXXX status and I was unable to do so. Please reach out to me so I can email it to you. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
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: I have asked XXXX ( report # XXXX ) and XXXX ( file # XXXX ) to verify an account reporting on my consumer report for errors by BARCLAYS BANK DELAWARE. After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in XXXX different times and written off amount are completely different. XXXX claims this BARCLAY has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. XXXX continues to update this account without correcting the error. For this BARCLAY account to be valid and continue to report, It needs to be the same across the board. Because XXXX and XXXX have validated the same account reporting inaccurately with errors. I am asking for the immediate deletion of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a Jetblue Plus credit card in XXXX of XXXX and was approved. The promotional offer was 60,000 bonus miles which I have never received. I met and exceeded all the requirements for their promotional offer. I contacted the Barclay 's via their banking website used to make payments, view statements, etc. There is a specific link labeled " contact us '' which I used on XX/XX/XXXX and asked for statis of my sign-up bonus. No response to this day. On XX/XX/XXXX I sent second message with same inquiry and again no response even though they state quick response. As of XX/XX/XXXX there has been no response whatsoever. I contacted their phone number for customer service and was advised I to put my request in writing and the address to mail my request was the same address on the reverse of my billing statement. I sent my letter XX/XX/XXXX with added expense of proof of delivery. I did receive a response dated XX/XX/XXXX and I quote " We are currently unable to complete your request '' so in essence they can not honor their promotion. It was suggested that I call the phone number on the back of my credit card which I did and with great effort convinced one of their representatives to open case. I was told within 30 days I would receive a response, I have not. On XX/XX/XXXX I called customer service again and was told my case was still pending and " maybe a few more billing cycles will be needed. I asked him what if I never hear back his response was just wait. Help! Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I applied for a card using a brochure that my partner brought home from a flight. The no annual fee for the first year was appealing and so I applied, and received my credit card. In XXXX, I used it immediately and the first statement showed the annual fee. I called in XX/XX/XXXX to see if this was a mistake. I received a generic letter as a response on XX/XX/XXXX. It did not answer why I did not get the annual fee for the first year waived or credited back to me. The supervisor who took my call indicated that I had not filled out the application and handed it to an XXXX XXXX personell at the time the brochure was given. This ridiculous, tepid response negates the language on the front of the brochure which I am attaching. Would you review and determine if I am incorrect in understanding what no annual fee means? I understand that it is a fee that provides me benefits and that the subsequent years I have the card, I would pay the fee. Thank you for your consideration. I am attaching the brochure, code XXXX. I used this information when I applied online so I did not fill it out. I also attached the response I did receive from Barclay 's. XXXX XXXX XXXX XXXX XXXX card number is XXXX XXXX XXXX XXXX. I am XXXX XXXX I reside at XXXX XXXX XXXX, XXXX, FL XXXX My email is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This is my 2nd complaint with the company and for the same issue - the first one was resolved satisfactorily but they have made the same error again. I recently used a promotional check with a 0 % rate for 12 months. The charge appears on the statement with a 24.99 % rate, which is the after-promo rate. I called them and they said that the promo rate was 24.99 %, which is again not correct. I am asking the to correct their mistake and honor the 0 % rate for 12-months that was promoted on the check that was used.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
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 credit card through Barclay Bank that I do not use often. I received an email in regard to my minimum payment being {$400.00} which is when I realized my card was used unauthorized by someone else. There were many transactions starting XX/XX/2021 and after that I was not present for, and did not authorize. I reported this to the bank in which they initially reversed the charges. The first rep I spoke with I explained the situation, and also requested a new card. They closed the investigation due to lack of proof or information. I called back after re-explaining what I had told the first rep, and offered to file a police report and write a letter in which she said I did not need to and they would re-open. I still to this day have not received my new card since requested in XXXX XXXX XXXX, nor have I received a letter about the investigation. The charges are still on my card, with no explanation on the investigation. I will not pay for unauthorized charges on my credit card, where I was not present. Please let me know how I can resolve this with the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Week of XX/XX/XXXX to XX/XX/XXXX : Discovered fraudulent charges of {$990.00} from XXXX Bank in XXXX NY XXXX made on XX/XX/XXXX and {$49.00} Cash Advance Fee made on XX/XX/XXXX on my JetBlue Mastercard credit card account. Called customer service ( XXXX ) to report the fraud, and was assured that an investigation would be made. My JetBlue Mastercard credit card was still in my possession when the fraudulent charges occurred. I do not have an account with XXXX Bank, nor did I never have XXXX, and have never stepped into any XXXX Bank location to withdraw money. XX/XX/XXXX : Called customer service ( XXXX ) again as the fraudulent {$990.00} and {$49.00} charges ( totaling {$1000.00} ) were still on my JetBlue Mastercard credit card account. Per customer service, a fraud claim was not started from my previous phone call, so I asked again for a fraud investigation during this phone call. XX/XX/XXXX : The fraudulent charges of {$990.00} and {$49.00} ( totaling {$1000.00} ) are reversed, and no longer appeared on my JetBlue Mastercard credit card account. During this time, I received 2 new JetBlue Mastercard credit cards in the mail - one ending in XXXX ( like my current card at the time ), and a newer one ending in XXXX ( new account number ). I destroyed the 2 physical JetBlue Mastercard credit cards ending in XXXX ( as instructed per customer service representative ), and activated the new card ending in XXXX. I also received a notice in the mail that an investigation by Barclays JetBlue Mastercard will be made for my fraud claim. XX/XX/XXXX : Noticed the fraudulent charge of {$990.00} from XXXX Bank in XXXX NY XXXX made on XX/XX/XXXX reappearing on my JetBlue Mastercard credit card account, reposted on XX/XX/XXXX. No notification of the investigation claim denial was given to me by mail, email, or phone. Called customer service ( XXXX ) for clarification, and was told that my fraud claim was rejected. Was given the contact number to the fraud investigation department and was told that I could not call them today ( XX/XX/XXXX ), as it was a Sunday, and the department was only open on weekdays ( XXXX ). Locked my Jetblue Mastercard credit card account. XX/XX/XXXX : Called the Barclays JetBlue Mastercard fraud investigation department ( XXXX ), and was told that my fraud claim was rejected because the merchant ( XXXX Bank ) had authorized the transaction. Was told by the Barclays JetBlue Mastercard fraud investigation department representative that I had to call the merchant ( XXXX Bank ) and resolve the fraudulent charge with them. Attempted to call the XXXX Bank in XXXX NY ( XXXX ) multiple times, with messages going straight to voicemail. Called XXXX Bank customer service ( XXXX ), and was told that I could not be helped due to my not having an account with their bank. When asked if there was a specific time on XX/XX/XXXX when the fraudulent transaction occurred, the representative told me that she has no way of finding that out. When I asked if there is any video footage of the suspect making the transaction using my JetBlue Mastercard account information at the XXXX Bank in XXXX NY on XX/XX/XXXX, the representative again told me that she could not help me with this matter. I subsequently called the Barclays JetBlue Mastercard Investigation Appeal department ( XXXX ) to explain my situation - how I was not given an explanation by the Barclays JetBlue Mastercard fraud investigation department on why my fraud claim was denied, how calling the merchant ( XXXX Bank ) did not provide any information ( they in fact knew less about this fraudulent transaction than I did )- and requested an appeal. The Barclays Investigation Appeal department denied my appeal during this phone call without providing me with any clear reasons as to why. These phone calls occurred during the afternoon of Monday, XX/XX/XXXX. I went to my local police department station ( XXXX XXXX XXXX ) that evening to file a police report for credit card fraud. Was told by an officer that I would need to present recent credit card statements, as well as a signed affidavit. I prepared these documents after returning home that night. XX/XX/XXXX : Returned to my local police department station ( XXXX XXXX XXXX ) after work that evening with the aforementioned documents to file a police report for credit card fraud. XXXX Report # : XXXX ( documents attached below ). XX/XX/XXXX : Faxed the signed Barclays Bank Affidavit of Fraud Claimant and NYPD police report ( # XXXX ) to the Barclays JetBlue Mastercard fraud investigation department ( fax # XXXX ). The fraudulent charge of {$990.00} on my JetBlue Mastercard credit card account from XXXX Bank in XXXX NY XXXX was made against me by Barclays JetBlue Mastercard on XX/XX/XXXX. I do not have any accounts with XXXX Bank, nor did I ever have any accounts with XXXX Bank. In addition, I have never stepped into any XXXX Bank location to withdraw money. On Saturday, XX/XX/XXXX, I was working in a hospital in XXXX XXXX XXXX NY XXXX, a 12-hour day shift from XXXX to XXXX. Despite being a loyal customer of Barclays JetBlue Mastercard for the past 5 years with no previous issues, I have been consistently treated unfairly over the past 3-4 months. My first call with JetBlue Mastercard customer service ( XXXX ) to report the fraud did not result in any fraud investigation being started, potentially wasting valuable time. It was not until I called JetBlue Mastercard customer service again nearly 2 weeks later to ask about why the fraudulent charges were still on my account did any investigation effort begin. When the fraud investigation concluded and ended in my claim denial, I was not given any notification - whether by mail, email, or phone. When I called the Barclays JetBlue Mastercard fraud investigation department ( XXXX ) to ask for details regarding why my fraud claim was denied, I was not given any specific answers other than what was already stated on my credit card account - that the fraudulent transaction occurred in a XXXX Bank in XXXX NY XXXX on XX/XX/XXXX. The Barclays JetBlue Mastercard investigation department representative did not even provide me with a specific time on XX/XX/XXXX when the fraudulent transaction at XXXX Bank occurred. When I tried to explain to him the stress I have been going through over this fraudulent charge, the Barclays JetBlue Mastercard investigation department representative simply laughed and said " yeah, it's a lot of money. '' The representative ( named XXXX XXXX told me that I was responsible for resolving this issue myself with the merchant, namely XXXX Bank, without providing any specifics on the next steps. After my unsuccessful phone call with the XXXX Bank customer service representative, I called the Barclays JetBlue Mastercard Investigation Appeal department ( XXXX ) in the hopes of finding any additional information as to why my fraud claim was denied. Again, I was not given any specific answers other than what was already stated on my credit card account - that the fraudulent transaction occurred in a XXXX Bank in XXXX NY XXXX on XX/XX/XXXX - and again, no specific time on XX/XX/XXXX when the fraudulent transaction at XXXX Bank occurred was provided to me. The Barclays JetBlue Mastercard Investigation Appeal department representative was unsympathetic to my case, and rejected my request for an appeal during the phone call, as she told me that the investigation has concluded, and that there was nothing left to investigate. I am submitting this complaint to the CFPB because I believe that I have been treated unjustly throughout this entire process. I did not receive any warnings or notifications about the outcome of my fraud investigation request, and neither the Barclays JetBlue Mastercard Fraud Investigation department nor the Barclays JetBlue Mastercard Investigation Appeal department provided me with additional details as to why my fraud claim was denied. I was not even given a chance to appeal the decision, despite the lack of notifications or explanations for the fraud claim denial by Barclays JetBlue Mastercard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I made a report to Barclays Bank about a fraudulent charge by XXXX for XXXX on my account. A fraud investigation was opened by the Fraud Investigation Department on XX/XX/XXXX. I received a letter from Barclays Bank on XX/XX/XXXX stating that the investigation had been completed and that it had been determined as fraud and that I was NOT responsible for the charges. However, I continued to be charged by Barclays relating to this and I accumulated late fees on top of this. It was also reported to all credit bureaus as a delinquent/late payment in which my credit score suffered. I called Barlcays Bank on XX/XX/XXXX to have the charges removed from my account and for Barclays to report an error on their end with all credit bureaus. I was told that the charges and late fees would be removed from my account within 24 hours, and that they were escalating my file and that it would be resolved with the credit bureaus in 7-10 business days. It was not. I called again on XX/XX/XXXX as charges and late fees were still appearing on our account and our credit score had not been rectified with the credit bureaus. I was told again by an employee of Barclays Fraud Investigation Department " not to worry '' and that the late fees would be removed from my account within 24 hours and that they were ( again ) escalating my file that it would be resolved with the credit bureaus " guaranteed '' in 7-10 business days. Again, it was not. I called a third time on XX/XX/XXXX. They finally removed the charges and late fees from my account and AGAIN told me that they would escalate my file. This time I was told specifically that a letter on Barclays letterhead would be sent to the credit bureaus and to myself stating that it was a reporting error on Barclays end and that my credit score issue would be resolved no later than XX/XX/XXXX. I called again today, XX/XX/XXXX. I spoke with XXXX ( employee number XXXX ). XXXX told me that it had not been escalated at this time. I was told that she would again escalate it, but now it could take 30 days to receive a response. This issue, that we have been dealing with since XX/XX/XXXX, has significantly impacted my credit score and prevented me from important financial decisions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A