Date Received: 2022-02-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Based on a misleading promotion and based on a promise made to me by a representative, I am asking for a courtesy removal of the late payments reported to the credit bureaus for XXXX and XX/XX/2021 due to an outstanding balance of {$34.00} at that time which was paid off. History/ Background In XX/XX/2021, Barclays had notified me of a new promotion where I could use my earned travel points towards restaurant purchases made in that month. Although I hadnt used the card recently, I took advantage of this promotion and made two purchases during that month. The first one I successfully redeemed with points, but the second one it wouldnt allow me to, even though it was made during the promotion month of XXXX. I contacted Barclays about the issue, but they refused to honor the promotion, despite it not being clear that the point redemption had to be in XXXX ; I thought only the transaction had to be in XXXX. This was frustrating, since this promotion is why I made a purchase at a restaurant, especially during challenging COVID times when my travel business was still seriously impacted and I had no income. I closed my account in frustration, and to avoid any further surprises. I also waited to hear back from a manager for a fairer resolution but never did. Between the closure of my account and waiting to hear back from a supervisor, the contested balance of {$34.00} was not paid in time. Barclays reported this late payment to the credit bureaus, which came to my attention in XXXX. On XX/XX/XXXX, I called Barclays customer service and spoke with the agent XXXX, employee ID : XXXX. He said there was no flexibility in waiving the balance, only late payment fees & interest which had accrued. Although I was disappointed with the resolution, I offered to pay the remaining balance ( {$34.00} ) with the understanding that Barclays would remove the late payments reported to my credit reports, which he agreed to. I therefore paid the final balance online within the day. The late payments continue to show on my credit reports, and its impact has been significant, reducing my credit score by 60 points, which I believe will last 7 years and potentially cost me thousands of dollars on future loans. This seems like a very severe punishment given the circumstances and the small amount in question ( {$34.00} ), and I request that Barclays remove any late payments reported to the credit bureaus this year related to this issue. My phone calls and emails to customer service, the Credit Department, and Executive Office have been unhelpful and largely unresponsive. After many months of persistent follow-ups, they investigated and refused to change anything, without adequately providing me proof of the promotion being fair or of my conversation with the representative. Reasons for Removal of Late Payments from Credit Report Here is a summary for why I hope you can accept this request : 1 ) As promised as part of my payment of the final balance The last representative, as described above, indicated that it would be removed if I paid off the balance, which I did. 2 ) Barclays Promotion which directly led to my purchase had confusing or inaccurate terms As described above, I genuinely believed my Barclays reward points would cover the purchase related to the late payment and was the only reason I made the purchase. Although I eventually paid out of pocket for the purchase, it seems unfair that I would be so severely punished on my credit score for a promotion that I believe Barclays did not promote accurately or at least clearly. 3 ) Financial Hardship My income is directly related to the small business I own in the travel industry, which had been severely impacted by COVID-19. The rewards promotion was the only reason I made the purchase, and even though I eventually paid it, the long term impact on my credit score and ability to secure a mortgage and other loans for the benefit of my young family seems unnecessarily harsh and punitive. 4 ) Perfect Record for Payments I have never had a late payment with Barclays cards, or any credit cards. This situation was specific to the circumstances described and does not accurately reflect my trustworthiness or my commitment to meeting my credit obligations, which I take seriously. Therefore, removing these late payments that BARCLAYS chose to report would not decrease the integrity or value of the credit reporting system. Given the circumstances described above, I request that Barclays remove the late payments from the 3 credit bureaus to resolve this ongoing situation in a fair way. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96732
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
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 problem is with a Frontier Airlines MasterCard. On XX/XX/XXXX I noticed charges for {$850.00} from XXXX XXXX and a charge for {$53.00} from XXXX XXXX XXXX. on my card statement online I check my account everyday. I immediately contacted the credit card company to report these as fraudulent charges. They said they would investigate. Today, XX/XX/XXXX the charges were again posted to my account. I again immediately contacted my credit card company. They said the charges were correct. They had proof that I had made the purchases. I explained that this was simply not true. I wanted to know what proof they had They said these were tickets purchased that were send to me with my name and mailing address, This is a complete lie. I never received any tickets, as I did not make the purchase. When I ask them to verify the name and address they were sent to, they would not do this. I have filed a police report and again disputed this charge. I contacted XXXX and put a fraud alert on all of my credit accounts. This issue needs to be resolved I did not make these charges. I was told to contact the merchant, but this is impossible, because when I call them they want an order number, which I do not have Or then they want my email address, which they say does not match anything on their records. Then they want my zip code, which again they say does not match So what I want to know is what proof does my credit card company have, I do not plan on paying for these fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Problem when making payments
Subissue:
Consumer Complaint: Loan from Barclays Personal Loan XX/XX/XXXX Paid the loan off in advance of schedule Final payment was made, however Barclay still took auto-payment from my bank in the amount of {$900.00}, leaving me with a credit balance on XX/XX/XXXX I have called at a minimum of 2X per month in resolving my refund check. Have been told multiply times this has been escalated to the refund department with a manager call back. Today almost a year later, no refund or call back from manager.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: - XX/XX/XXXX - Phone call - ( XXXX XXXX ) I called the Barclays customer service as XXXX and spoke with representative XXXX XXXX During the call I spoke to XXXX about my concern that my early payments where not being accounted for properly and that there was something strange with my account. Please note how Barclays focus shifts to some occurance with XXXX and not my initial problem. XXXX said " There is some discrepancy beginning from XX/XX/XXXX '' and that there was an ERROR and she would open a case to be investigated ( Case ID # XXXX ). -- -- - XX/XX/XXXX - Phone call - ( XXXX ) Checking on case - No update. -- -- - XX/XX/XXXX - Official letter - Letter from Barclays ( attached below ) - Mentioning " We recently identified an error in which you did not receive the correct miles on your card account '' The letter states that there was an error. Vaguely explaining, what the error was and when the error was made. Stating that Barclays had : " calculated the correct number of miles and that they would be reflected on my account. '' -- -- - XX/XX/XXXX - Phone call - ( XXXX ) Called Barclays and spoke with XXXX ( Employee ID : TICMRP ) to understand what was happening with my account and to be updated on CASE and understand Letter received by Barclays. After saying there was no visible error, he spoke with a specialist, and confirmed that " it will take 1-2 billing cycles for it to be resolved ''. Contradicting the letter in the mail and XXXX 's initial ( CASE XXXX ). I was transferred to the supervisor woman named XXXX ( Employee ID : XXXX ) to understand If she could help me. She Assured me that the letter was sent out by accident and that there was no visible error on the account. As of that moment I decided to pay the full account balance with XXXX ( Employee ID : XXXX ) to have more details on the record and in the near future close my account. -- - XXXX XXXX - Formal Complaint to CFPB - After not being able to understand I am writing this formal complaint before having to get lawyers involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a collection which I paid and I was promise to have the account to be deleted as of today they account will open and reporting wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dispute about a charge that Barclays bank charging me. because they didnt send me any email or mail or call XXXX XX/XX/XXXX( that was the last email statement that I got from them ) since there I didnt hear from them at all I had auto pay and I wasnt bather to find out what is my balance, until I check my credit report recently and find out that I owed them money from more than a year ago. if they just notified me, I could pay it right away but if they keep it secret from me just because they want to charge me interest and penalty that is not fair. I can prove you by show you all my email that I didnt get any email from them scenes XXXX XXXX. I asked them to remove all the interest. the original amount is {$69.00} I can pay it as soon that I will get a bill. but more than that I refuse to pay, Barclays bank try to collect interest and penalty without sending any notice to the clients. I asked Barclays bank on XX/XX/XXXXto rmove it from my credit report but they ignored me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for a Barclays XXXX XXXX Barclays Bank Delaware ) XXXX XXXX XXXX ( XXXX ) XXXX credit card on XX/XX/XXXX. Barclays promised that once I spent {$3000.00} on my card ( within the first 90 days of holding the card ) and paid my annual fee, I would receive 50,000 XXXX frequent flier miles ( See accompanying document Miles and More promise & my spending for their promise ). According to a Barclays representative, I reached this spending target on XX/XX/XXXX. I would need to allow 4 6 weeks after reaching this spending target to receive the miles on my XXXX XXXX XXXX XXXX account. I contacted Barclays on XX/XX/XXXX to see when I would receive the miles. They promised me by 4-6 weeks of the date I reached the spending target, approximately 6 weeks earlier. This call to Barclays was documented in Barclays case # XXXX. I have contacted Barclays frequently, since that time and about once a week since the beginning of XX/XX/XXXX. Barclays case numbers document some of the calls : # XXXX and # XXXX. It has been roughly 4 months ( 16 weeks ) now, since I reached my spending target. They have never contacted me in direct response to this item to explain any delay. More importantly, I have not received the miles. Please assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my barclays us credit card is XXXX XXXX and my other card is XXXX my complaint is that I've been s good customer for 9 months and made my payment s on time. I got my credit line increase. Then all of sudden the risk department unlawfully block my account without telling me until I call them and they wanted me to send a 4560t form so I did along with my photo ID and all of sudden they didn't let me send this on a timely manner reason is that it takes time for the irs to send my tax information and they made a XXXX excuse that the documents were not clear enough. And close my accounts right away I felt discriminate here it was really done because my credit line was increase from 500 to 6700 and I was credit worthy. And they did this to me because I'm XXXX and the credit analyst that increase my limit was a minority women. But when I ask prior the XXXX credit analysts denied me. So the problem here is that barclays pull a fast one and the XXXX credit analysts put my account under review after the XXXX credit analysts approve my limit increase up to 5000 and the other limit was move to my card. And the other problem here is that barclay pull my report multiple times example if they pull a report today and increase my limit. And say I ask for a new increase again in the same day they will pull another credit report with the same information instead of using the prior credit report. .that putting more inquires on my XXXX XXXX credit report XXXX Also I. Asking barclays to removed those duplicate inquires.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone who knew my personal information obtained a credit card through Baclays Bank and added me as an authorized user without my knowledge or consent. The primary card user is using the card and not paying the bill and has refused to remove me as an authorized user to damage my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
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: 1. On XX/XX/XXXX ( post date for transaction ) I purchased an item from XXXX ( an online vendor ) for {$51.00} ( USD ) using my JetBlue Barclaycard credit card. 2. My credit card was charged immediately upon purchase which raised a red flag with me as most reputable online vendors charge the credit card upon shipment. I received an email from XXXX indicating my item would ship shortly. 3. I waited approximately 1 week and after hearing nothing I began to call and email the vendor. They never answered the phone and emails I got back indicated the item was out of stock and would ship shortly. I then began to research XXXX and discovered they are not reputable and have taken customer 's money and never shipped their items. I increased my calling and emailing and got the same story - out of stock and would ship shortly. 4. As a result of the above, I opened a dispute with Barclaycard on XXXX XXXX. They acknowledged this with a form letter stating they have referred this to a dispute specialist and that it might take up to 45 days. 5. It is now XX/XX/XXXX and I still have not been credited the {$51.00} by Barclaycard. Here are the highlights : - I provided Barclaycard with the basic information when I filed the dispute. I followed up with a phone call asking if they needed anything more. They said they did not and I would hear from them. - I called every few weeks seeking a status update. They said they had everything they needed. - In early XX/XX/XXXX Barclaycard sent a letter to my primary address dated XX/XX/XXXX. They referred to my dispute ( Case ID XXXX ) and asked me to send them a letter ( within 10 days ) stating that I was still disputing the charge and to provide them with 4 pieces of information. First- the information they were requesting I already sent them when I opened the case and they told me explicitly they did not need anything more. Second - I was traveling and away from my primary mailing address where they mailed the letter. I returned on XX/XX/XXXX and called Barclaycard about this letter. They told me I was too late ( past the 10 days ) and I needed to re-open the case as they had automatically closed it when they did not hear from me. I asked how to do this and they send to send a fax. - On XX/XX/XXXX I sent a fax to the number they told me ( XXXX ). The transmission was successful - I have the fax receipt. - I waited 2 weeks or so and called asking if they had received the fax and what the status was of having my case re-opened. I was told they were backed up in the department that receives and responds to faxes and to wait up to another month. I waited and called back in a month. They still did not show that my case had been re-opened, they reiterated the fax backup and said to wait another month. - I called again in a few weeks and they still had not re-opened the case. At this point began a series of calls and requested escalations. Regular customer support was unable to help me. - I called a Barclaycard complaint line. A woman connected me to someone else. She asked that I email the info to her directly as they could not locate my fax. On XX/XX/XXXX emailed XXXX XXXX XXXX ( XXXX ) with the very same information I faxed. She acknowledged receipt and said ( a ) my case would be re-opened and ( b ) I should expect to receive my {$51.00} credit in 2 billing cycles ( aka 2 months ). - Over this 2 month period I called Barclaycard to follow-up. I was never able to reach anyone who could give me clear answers, especially when I asked about the credit. So I requested to speak with a supervisor. I was told on two separate instances that a supervisor would call me - first within 10 business days and then within 15 business days. I never got a call, but I continued to try to get a status update. - On XX/XX/XXXX I received an email from XXXX XXXX. The name at the bottom of the email is XXXX XXXX. In summary the email states that I would not be getting a call due to the pandemic and I should await another email that would contain a link instructing me to create a unique username and password so I could then access a portal and their response. - I don't understand what the pandemic has to do with making a phone call. It also seems they are going to further delay - if they were going to credit my {$51.00} they would simply have done it. When a similar thing has occurred ( credit card charged for merchandise never received ) other credit cards have quickly credited my card. This has happened maybe 3 times in the last 20 years - I typically research vendors before placing online orders. I believe this response is per the law and that US consumers are protected from such nefarious online vendor behavior. Barclaycard does not appear to have behaved as I or any consumer would expect. The Barclaycard happens to be a JetBlue branded card. I am a XXXX XXXX member and have informed XXXX of how Barclaycard has mishandled this and adversely impacted XXXX 's brand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A