Date Received: 2022-02-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On my XX/XX/XXXX, billing statement I incurred an unauthorized fee slam on me ( not agreed to ). On page XXXX of XXXX, the annual fee prescribes that " If your account has an annual fee, it will be billed each year ''. However, my card does not carry an annual fee where from XXXX until my XX/XX/XXXX billing statement I had possessed the " Wyndham Reward Visa Signature Card ''. On the XX/XX/XXXX statement, I was slammed with the Wyndham Rewards Earner Plus which they ( Wyndham ) suggest carries an annual fee. Again, when you read page XXXX of XXXX it asserts that " if '' your account has an annual fee. Moreover, I was never notified of such fee. On or about XX/XX/XXXX, after receiving my XX/XX/XXXX statement I became aware of the outstanding annual fee and contacted Wyndham regarding the annual fee. At that time they indicate that they were unable to remove the annual fee. After reviewing my pertinent Wyndham documentation, I was unable to locate the annual fee notification. Furthermore, I had 45 days to downgrade back to the no annual fee card. Today ( XX/XX/XXXX ) I contacted Wyndham again and they again asserted they were unable to revert back to my original card nor refund the {$75.00} annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
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: This is in reference to a dispute filed for my XXXX XXXX card XXXX for the amount of XXXX XXXX ( USD 340.00 ) out of the total amount of USD XXXX charged to my card on XX/XX/XXXX. The merchant is a hotel operator and had unfairly charged USD 340.00 claiming there were breakages for a vacation rental, however I did not damage anything. I have contacted the merchant to try to resolve this matter, however they consider this final and are not willing to discuss any further. I filed a dispute with Barclays on XX/XX/XXXX, but their response on XX/XX/XXXX simply says " documention that was provided showed insufficiency to strengthen the dispute claim made ''. That is untrue, and I question if there was any attempt from Barclays to seriously investigate this dispute on my behalf. Why didn't anyone contact me to ask for further documentation/evidence?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclays unexpectedly closed my account in XXXX and put my account into collection. They said to pay off the closed account which I paid down to XXXX of the XXXX balance. I then had some hardship and told Barclays I couldnt make the payments. During that time they increased the interest on my account and charged late fees that increased the balance to XXXX. This was very strange as a closed account was still accusing fee and interest. I since had made numerous phone calls to Barclays to correct the amount due. They have taken my name and phone number and have yet to call me or respond to my inquiry on settling the balance. Theyve instead charged off my account which has negatively affected my credit making it difficult to obtain any reputable credit lines. They are a bully. They offered me a card then blacklist me. Not only that but they refuse to speak with me or to rectify my account balance. Since they have been charging me fees while my account was closed this will stay on my credit report for an additional XXXX years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33525
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was late making a payment for the yearly membership fee of {$29.00}. This incident was reported to consumer credit agencies by Barclays Bank. I missed the late because I was in the hospital from XXXX XXXX through XX/XX/XXXX due to XXXX. When I got Out of the hospital, I realized the outstanding fee. I paid the XXXX immediately on XXXX and set up my auto-pay service so a mistake like this would never happen again. The annual membership fee was accessed to my account on XXXX and showed on my XXXX statement. I have had a stellar relationship with Barclays for over a decade and never missed a payment. However, by Barclays Bank reporting this incident to the credit agencies, Barclays put a blemish on my credit report that caused my score to plummet over XXXX points. My situation was out of my control. I contacted Barclays several times to explain the situation with no success.
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: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, Application : XXXX was denied in violation of the The Equal Credit Opportunity Act ( ECOA ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
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: XXXX rewards credit card ( a travel agency ) did not allow me to dispute an unauthorized charge from XXXX car rental back in XX/XX/XXXX. They work hand in hand with car rentals, hotels and airfare. I rejected the insurance on the rental because the man at the counter said if I have insurance on my vehicle at home, I did not need it. ( XXXX XXXX ). XXXX did not allow me to dispute the charge! ( I paid XXXX for my whole travel to XXXX, air, hotel and car rental almost XXXX from XXXX for 5 days ) Barclays which manages XXXX is backing them up and not allowing me to dispute this charge. I tried contacting XXXX but you can not get a live person and they never responded to my emails. My credit score dropped over XXXX points and I am not a fault. Why should I pay something that I did not ask for? If you XXXX XXXX on the internet, everyone who used XXXX is having the same problems as I. 'DO Not do business with this company they are horrible. I have been trying to get an issues resolved since XX/XX/XXXX, its now XX/XX/XXXX. You can never get anyone on the phone, they hang up on you or disconnect you. They tell you a supervisor will return your call within 12 -48 hours which never happens and there is never a supervisor available when you call. I had an issue with a merchant, the credit card company doesn't stand behind their protection offer at all. its all lies. take your business elsewhere please ..... '
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
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, four fraudulent purchases were made using my Barclays JetBlue Credit Card. Those charges were a XXXX charge for {$400.00}, an XXXX XXXX charge for {$1900.00}, an XXXX/bill charge of {$6.00}, and a XXXX XXXX charge of {$9500.00}. All three purchases were made in XXXX, SC. I reside in XXXX XXXX, NY, and I was in XXXX XXXX, NY on XX/XX/XXXX. On the morning of XXXX, XXXX, XXXX, when I woke up, I saw that I had an alert via the Barclays app saying that there may be fraud on my account and also that the pin on my account had been changed. I called Barclays that day and let them know that this was indeed fraud, and that I hadn't changed my account pin. They cancelled the card, issued a new one, and let me know that they would be investigating the charges. After about ten days, I noticed that some of the fraudulent charges were still showing on my list of recent activity, so I called again, re-reported the fraud, and asked that the account be closed altogether, because I didn't have faith in their process. A few weeks later, I received a letter from Barclays dated XX/XX/XXXX which stated that they found the three largest charges ( totaling {$11000.00} ) to be valid and thus were adding them back to my bill. I called Barclays on XX/XX/XXXX to protest the decision, and they stated that a physical card was used for the charges and that I should submit via fax a police report and proof from my place of work that I was in New York on that date. I completed that task and submitted a letter from my place of work stating that I was on-site in XXXX XXXX XXXX NY on the day of the charges, a police report logging the crime, an identity theft report that I submitted to the FTC, and two credit card statements showing that I had made charges on two other non-Barclays cards in New York XXXX on XX/XX/XXXX. On XX/XX/XXXX, I called Barclays again to verify that my packet of documents had been received. They confirmed that they had been, and let me know that the claim was still denied despite my evidence that I could not have made charges in XXXX, SC on the date of the fraud. As a result, I am now reporting Barclays to the Consumer Financial Protection Bureau, because I have tried everything reasonable that I could. I do not believe the bank is acting in good faith with regard to these fraudulent charges, and I believe that they are guilty of negligence for letting these charges go through. I barely use the card in question, and it is irresponsible to approve such unusual, repeated high value spend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A. XX/XX/XXXX : XXXX XXXX flight XXXX XXXX XXXX XXXX XXXX XXXX ) Stewardess announces XXXX free airline miles + other benefits to fill out XXXX XXXX XXXX XXXX Application before end of flight. She travels down the aisle passing out applications. XXXX ) I fill out the XXXX XXXX XXXX paper Application : Contains my name, address, date of birth, social security number, income, mothers maiden name, my signature and the XXXX Promotion code # XXXX. ( I have attached picture of my filled out application. ) XXXX ). I hand my completed XXXX XXXX XXXX XXXX application to the stewardess who collected them as the plane landed in XXXX. XXXX anxious to get the card and use the benefits. XXXX XXXX XXXX From : Frontier Airlines XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Subject : Your account is now active Hi XXXX, Just a note to confirm that we've activated your FRONTIER Airlines XXXX XXXX on XX/XX/XXXX. Get to know all your great benefits at XXXX. If you did not activate your card, please call us immediately at ( XXXX ) XXXX. - XXXX XXXX XXXX from : From : Frontier Airlines XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Subject : Account Alert : PIN change Hi XXXX, We're confirming your recent request to change the PIN for accessing your account ending in XXXX on XX/XX/XXXX. If you do not recognize this request, please contact us immediately at ( XXXX ) XXXX. XXXX XX/XX/XXXX : I read both emails very early morning, ( XX/XX/XXXX ) and dial ( XXXX ) XXXX immediately. XXXX. I state : I never received a XXXX credit card. Neither did I activate or change a PIN number. I have no information on any of this and in fact I was watching my mail for the card because I wanted to use its benefits. Representative stated : card was used., I will close it and ID fraud and send you a new card. I say, Yes, close it immediately, I did not receive any XXXX Credit Card. - XXXX ). About XX/XX/XXXX : I received the XXXX XXXX issued XXXX. ( Card ending in XXXX ). I put it aside and Did NOT activate it. F ). XX/XX/XXXX : I receive letter from XXXX : dated XXXX. Account ending in XXXX. Re XXXX XXXX XXXX XXXX : This Letter is a response to your question about a XXXX charge from XXXX # XXXX on your account. We issued a provisional credit to your account for the full disputed amount on XX/XX/XXXX while we investigated this activity. XXXX completed the investigation and found that the activity is valid. Therefore the provisional credit has been reversed and the amount owed has been placed back on your account. subject to minimum balance and interest, Questions or concerns to XXXX XXXX XXXX. XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I speak to C : I recant the entire story. XXXX I never received a XXXX card ending in XXXX. It was closed and fraudulent activity noted by XXXX. XXXX ) - I received the XXXX XXXX XXXX ending in XXXX but it was never activated. This is a real big problem. Close out this account too. XX/XX/XXXX XXXX transfers me to XXXX, account specialist. I recant the whole story again. XXXX reopened XXXX case # XXXX. She confirmed that the XXXX XXXX XXXX ending in XXXX was never activated. She said I would get a call back and that there was a XXXX XXXX XXXX in progress that was automatically generated from the XXXX card cancellation. I said, absolutely not. I dont trust this card or customer service to get it right and frankly the fact that a stewardess collected paper applications with heavy personal content tells me that XXXX XXXX XXXX opportunity for internal security breach. I requested and received phone number XXXX XXXX XXXX for XXXX from XXXX. XX/XX/XXXX. I call XXXX XXXX XXXX XXXX to inquire about the {$720.00} purchase. A Fraud person calls me back XX/XX/XXXX while I was driving. I told the XXXX fraud person all events. Person said XXXX large gift cards were purchased at XXXX located XXXX XXXX XXXX XXXX NJ with the XXXX XXXX. XXXX was made by scanning the plastic credit card around XXXX XXXX on XX/XX/XXXX, - XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an update. I spoke to XXXX who was VERY difficult and said the XXXX case was closed because I said I had the credit card. ( What???? No first card received and XXXX card was not activated ). And as he barked orders that it was my responsibility to disprove that the {$720.00} was not mine, he said this account remained open, which I later confirmed was incorrect. ( Account was closed and the XXXX $ annual charge was removed,. I am very annoyed that this guy XXXX @ XXXX XXXX XXXX is providing such a lack of customer service. - XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX to ask more questions. She referred to XXXX case # XXXX. I gave her the XXXX XXXX # XXXX updates so she could add to XXXX case which had been closed. XXXX specialist will call me and provide their documents. I gave her the rep, XXXX name and phone contact. She said it sounds like XXXX XXXX may have internal gaps and airline stewardesses should not be handling paper applications with highly confidential content, - XX/XX/XXXX. I call XXXX XXXX NJ Police XXXX XXXX XXXX. XXXX. XXXX # XXXX. XXXX XXXX. He writes up XXXX XXXX XXXX facts in Fraud Report # XXXX. Report will be released to me until XXXX days, but Credit card security can call at any time. - XX/XX/XXXX. I call XXXX back to give updates for case XXXX and XXXX and XXXX XXXX police case numbers. XXXX XXXX XXXX says she cant take any of their information and if I have anything additional to add, send to fax # XXXX XXXX XXXX. - So heres where I stand : I am not going to pay for fraud. I will never use Barkleys or XXXX of their products again. I have an XXXX credit score to protect. I also have to protect my identity : social security number, mothers maiden name, my birth date, phone number, address, income and signature - all because I was a victim of fraud through XXXX. Ive now signed up for XXXX cyber security, and have locked all XXXX credit reporting accounts and am doing my best to deter the use of my private information. Facts : XXXX XXXX XXXX has taken no responsibility for {$720.00} fraud. I have now spent hours on a problem I did not create. **XXXX has serious security gaps in their credit card processes : XXXX ). Paper applications with confidential content should not be solicited or handled by airline employees. No security XXXX ). A XXXX XXXX XXXX PIN can be changed XXXX simply using a social security number and mothers maiden name. Low level security XXXX ). Social security number and Mothers maiden name are written on all XXXX XXXX paper applications. No security **I notified XXXX on XX/XX/XXXX, immediately upon receiving their email informing me that XXXX ) card ( ending in XXXX ) had been activated XXXX ) card ending in XXXX pin had been changed- I stated to them on XX/XX/XXXX that any charge was FRAUD as I never received the card ending in XXXX. ***a Dispute Resolution letter Referenced XXXX {$720.00} charge to card ending in XXXX made on XX/XX/XXXX, and disputed on XX/XX/XXXX. Card ending in XXXX wasnt created at that time or activated ( then or now ) as confirmed by XXXX Acct Specialist, XXXX And- the first card never arrived. In Mail fraud, the fraudster would NOT have access to my mothers maiden name in order to change the card pin. But my mothers maiden Name was written on the paper application and handed to the flight stewardess. I appreciate your help to resolve. Thank you. Sent from my XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent 3 letters to Barclay card, 2 by regular mail, 1 certified. all in the last 30 days starting on XX/XX/2022 the last on XX/XX/2022. I have called 4 times asking for them to correct my XXXX credit report. they have correct my transition and eqafax report, they have reported a zero balance on all 3 reports but state I still owe XXXX. I was sued by portfolio collections and paid in full. they have stated that portfolio owns my account and they need to fix my reports. in all 3 letters I have inclosed the documentation showing it is paid. I call portfolio collections they stated that they have sent documentation to Barclay and have removed all remarks from my credit reports ( I have verifed that ) on a recorded line 4 times they have stated they will not correct this issue. I have attached the documentation I have with account numbers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I wasnt aware I had a balance on my card as I had paid it off and thought I had closed the account. Then, I learned I had an annual fee that was past due. Once I realized it, I paid the amount due and decided I would go ahead and keep the card. When I paid it, I assumed everything was taken care of and fine. I had no idea Barclays reported to the credit bureaus that I went 30 days past due. If I had realized that I would just called and closed my account as I was told Barclays would have waived the annual fee, any lates fees assessed, and removed any negative marks from my credit. All I ask is that Barclays please removes the 30-day late mark from my credit report due to the annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A