Date Received: 2022-02-18
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 disputed a transaction for {$99.00} in or around XX/XX/2021. The amount was credited per the normal dispute process. While on the phone with Barclay 's support, the representative credited a late fee, we determined the total balance due, and I then made a final payment to bring my account balance to zero. Subsequently, I received notice via post, that the XXXX dispute was found to be in my favor and the matter was considered closed. However, the credit that was returned to my account was only approximately {$94.00}, not the full {$99.00}. A balance for approximately {$6.00} was carried over and I was charged late fees and interest. I contacted Barclay 's multiple times each with promises that the issue would be resolved. It has yet to be resolved. Finally, I became aware the issue was still not resolved, and I had been reported to the credit reporting agencies. I contacted Barclay 's again. This time they agreed there was still an outstanding issue, but there was a new charge of {$29.00} that had contributed to the late fee, so there was nothing they could do except send in a ticket about the dispute. They did, and I subsequently received another letter stating I would not be liable for fraud on my account after their investigation, and the credit report could take 30 days to update. A few days later, I received the latest invoice with additional late fees and interest. These are clearly billing errors, and nobody at the organization is taking ownership to resolve the issue. Due to Barclay 's poor business practices, they are " passing the buck '' from department to department to my detriment. They have violated multiple federal laws in the dispute and credit reporting processes, and I am beginning to accrue significant damages as I am currently in the process of purchasing a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card after i received solicitation in the mail for a Jet Blue credit card. I didn't sign up to receive this. Since i visit my grandmother more frequently and they offered flight incentive i thought i would give it a try, i was denied and tried to reach out to them again for reconsideration and non was given, My federal consumer rights were violated. i was discriminated against and received no equity from this transaction. I also believe that Barclays bank did not act in good faith by offering me something that i would be denied for when i had no interest in the first place. some how i was " preselected '', i didn't sign up for notifications from them. I believe it was because i was on a JetBlue flight returning home from visiting my grandmother. The adverse action has actually dropped my credit score and my privacy was infiltrated. I would like legal action to be taken and full payment for every violation made according to the federal consumer law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
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 had a fraudulent charge made on my Barclay 's card in XXXX of 2021 in the amount of {$8.00}. As I rarely use this card, I didn't notice until XXXX of 2021 in which I contacted Barclays to notify them of this issue. They closed the account and issued me a new card, and said they would open an investigation in to this. This investigation lasted 3 weeks ending in late XXXX, but I am still showing a balance on my account because of this fraudulent transaction and I have accrued several late payment fees because of it which has negatively impacted my credit score causing it to decrease significantly. I have contacted Barclays several times about this, most recently today, and have been told each time that they will open an investigation to resolve this but it has been several months since this fraudulent charge was made on my card with no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
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 the first call to Barclays on XX/XX/XXXX I had a balance of {$580.00} and automatic payments of {$13.00} per the automated system. I obtained this information by entering in my social security number and my date of birth. I never opened another card with Barclays after the fraud. It took them sometime but a Barclays rep ( XXXX ) found the account, I was the primary and there was an authorized user that they wouldnt name the authorized user or the address that did not match the two I gave ( " I don't see any of those on this account '' ). I was also supposed to get some documentation and a letter, which never came. The account was flagged for fraud too by the actual fraud department ( I spoke to this gentleman ) according to the general rep ( XXXX ). The fraud rep transferred me back to the call-pool and I managed to get back to XXXX. She stated everything was now showing it was flagged as fraud and closed. I spoke to a general rep and a rep from the fraud department at Barclays. I can still access this ACTIVE and recent credit history by entering in my social security number and my date of birth. On XX/XX/XXXX there is a balance of {$13.00}, a credit limit of {$5400.00} w/ {$1100.00} cash withdrawal, the automatic payments are no longer listed. Now I dont have an active account and I am allegedly an authorized user on someone elses account because they cant find me w/ my date of birth and social security number. They cant see the running balance or credit limit. Yet I can still enter my date of birth and social security number when calling in before I get a rep on the line. During the first two minutes of the call the general rep ( XXXX ) stated either name was not what was pulled up on this mystery account, the rep flipped shortly after and insisted I have two inactive accounts. On this call I also spoke to a customer security rep. Barclays is trying to cover up a mistake if thats whats going on either for myself or another person. If this is a genuine mistake IT and a manager need to physically remove my social security number and date of birth, otherwise they are helping a stranger commit identity theft and credit card fraud. I DID NOT CONSENT TO HAVING THIS ACCOUNT OPENED OR TO BE AN AUTHORIZED USER. Ive put in a dispute w/ experian and frozen my three credit accounts w/ the three companies ( XXXX, XXXX, XXXX ) and Ive done the identitytheft.gov thing. Recording :XX/XX/XXXXXXXXXX/XX/XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for Wyndham XXXX XXXX on XX/XX/2022. I received a mail and was asked to provided more information regarding Business. I calledXXXX and faxed required documents to XXXX. Application was approved on XX/XX/2022 ( after I called to check the status ). However, the card can't be printed and never mailed out to me ( Agent told me my account can not set up even my application was approved. I called ( XXXX ) XXXX and ( XXXX ) XXXX every day and agent keeps telling me it is a system glitch. My application was escalated to the manager. As of XX/XX/2022, the issue still can't be resolved. This is so frustrating and unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
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/2021, I noticed two fraudulent charges on my credit card while reviewing transactions. One was for {$110.00} ( XXXX XXXX ID XXXX ) and the second for {$100.00} ( XXXX XXXX ID XXXX ). I called Barclay immediately to report my card number had been stolen and requested a new card. At this time, Barclay said they would investigate. Approximately a week later, Barclays put the charges back onto my card, stating that I'd done business with the merchant before ( while it is true I have purchased items from XXXX, I had never interacted with this seller nor had ever purchased XXXX XXXX on XXXX ). I began a weeks long process to have the charges taken off my card. I have submitted sworn documentation to Barclays stating the charges were fraud, I have held a conference call between XXXX and Barclays where XXXX verified the charges were fraud, and I have spoken to a fraud investigation manager. After the call with the Barclay manager, the charges again were removed from the card in early XXXX. On XX/XX/XXXX, Barclays has out the charges back onto my card, and has no note or record of the call with the manager or the XXXX representative. XXXX also sent information directly to Barclay to verify the fraud. I will close my card as soon as this case is resolved. I suspect they are trying to extort money from me since it can not be recovered elsewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX has an account on my report showing missed payments from a Barclay 's account. I call Barclays and they say they have nothing under my SSN so they can not help. XXXX says Braclay 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like XXXX ruin a consumers credit with ZERO evidence? ) Barclays is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. XXXX says they need a letter from barclays who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX corporation ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
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 from XXXX XXXX for {$1200.00}. Due to supply chain issues, IXXXX did not receive the item so on XX/XX/XXXX they refunded my total amount. Both transactions were handled via XXXX using my XXXX card. Unfortunately at the time of the refund back to my credit card, XXXX was moving from XXXX to Barclay as their vendor. As a result, my refund has been sitting in limbo somewhere at XXXX. XXXX has provided me with the transaction details down to the time the refund was sent to Barclays from them. I've spoken to multiple supervisors at XXXX who have indicated that the money is there at Barclay and just needs to get transferred to them in order for it to show as a credit on my statement. Apparently this has been a bumpy transition from XXXX to Barclays however that is not my concern. They have been holding my {$1200.00} for FIVE months. This is unacceptable. I am not disputing anything with a merchant as they have refunded my money ; I simply have never been given the money from the credit card company. During these five months I have continued to pay my bill timely but this is getting ridiculous and I believe they should be paying me interest now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
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: Barclay card is not refunding the Ernest money I used to purchase a vehicle. I used the card XX/XX/2022 waited till the car company had refunded the money. Then added 3 or more business days before contacting barclay. The acted as though they ne er received the refund, so I contacted XXXX the auto dealer again the reissued the refund that day. I called back and still the same we don't have it you will need to wait 15 days to file a complaint which has conveniently put the date ( of the first transaction ) past my billing due date. They have not been any sort of helpful and it seems they are trying to ensure they get the interest money before submitting the refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
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 'S Minimum Payment Has DOUBLED Although BALANCE HAS DECREASED. ( I PAY MORE THAN THE MINIMUM REGARDLESS ). IT JUST DOESN'T MAKE " CENTS " AS TO WHY?? THE MINIMUM PAYMENT HAS BEEN INCREASED? ( IS THIS THE " KICKBACK '' FOR CASHING IN A " REWARD? ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A