Date Received: 2022-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard inquiry through Barclays Bank in Delaware on XX/XX/2021 but I have never even heard of Barclays Bank nor I have I been to Delaware!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
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: On XX/XX/2021, I filed a fraud claim for {$1400.00} charged to my XXXX with the bank, Barclays. This was related to an incident through a vendor, XXXX XXXX XXXX XXXX. My card was canceled and I immediately received a new card to prevent further theft. I promptly wrote a review of this vendor/company on the XXXX XXXX XXXX website and XXXX to warn other potential victims. Barclays stated that it was investigating this dispute. I called many times in XXXX and XXXX to inquire about progress, but those conversations with Barclays representatives were meaningless and fruitless. On XX/XX/XXXX, I received a letter from Barclays stating that the charge was added back to my statement and that it was valid. I received no product nor any service for the transaction of {$1400.00} on my credit card. A salesman that I called from XXXX XXXX XXXX XXXX XXXX came to my home briefly ( less than 5 minutes ) on XX/XX/XXXX. He charged my credit card {$1400.00} for a new dishwasher that was never delivered. I called the vendor and was able to reach him once in late XXXX after the dishwasher was not delivered he suggested that he may be able to bring me " some cash. '' I refused and insisted that he provide me with a credit for the full amount on my Barclays card. This charge was never credited to my card by the vendor. I have made attempts to resolve this directly with the vendor but he has disappeared. The numbers on the business card do not work ; there is no address, and our research to locate him on the internet have yielded nothing. No investigator from Barclays ever spoke to me or my wife regarding this claim, to " investigate '' as we were told. Barclays has provided NO CUSTOMER PROTECTION whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
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: In XX/XX/2020 my husband purchased a round-trip ticket from Travel agency XXXX, with his XXXX Barclay 's ( {$640.00} ) for my mother who lives in XXXX. In a matter of days, the COVID19 Pandemic was upon us and we received correspondence from the travel agency, XXXX, that we can cancel our ticket for a full refund, if that's what was our wish, due to Pandemic, new restrictions, countries closing borders, etc. We confirmed with XXXX that we would like our money back as you can see is part of the correspondence with them below ; we've sent numerous requests to XXXX regarding our refund after that via email and via phone. Below is just part of the emails. Every time we were assured that our full refund is on its way, and it will just take " one or 2 billing cycles. " After a few attempts to get our refund and same response- we were growing weary and contacted the card issuer ( XXXX, Barclays ) to report potential fraud and dispute the charges. Barclay 's representative advised us to fax them all the correspondence and evidence we had with the Merchant ( XXXX ) and they will investigate. As a result, we received a letter a month or so later stating that Barclay 's decision was that we should try and resolve it with the Merchant and they closed our case?! After several phone conversations with Barclay 's, informing them again and again that the Merchant is not responding to our request, we paid for a service we never received, etc. it became clear that XXXX has never responded to Barclay 's inquiry either! I remember asking the representative, if the Merchant is not responding to you, what makes you think we'll have better luck now?! Then the representative said to send them ( Barclay 's ) all the paperwork and evidence AGAIN with a statement letter describing the issue so we can keep the case open and they can further investigate. Again. We did what we were told, and received a letter back, advising us that the dispute we opened is now closed and we should try and work it out with the Merchant .... same response as months earlier! I called Barclay 's again very upset, as we did everything they've asked - SEVERAL TIMES, and after a few conversations with representatives explaining how we are a victim of fraud, they regretfully informed us Barclay 's can not do anything to reverse that charge and will not refund us the amount. I pointed out that I have recently looked up XXXX of XXXX XXXX XXXX and it seems we are not the only ones that that Company has scammed in the same way as others, but the representative said again - nothing we can do because " the Merchant has not violated the terms. '' Which is absolutely the opposite - they took our money, did not deliver services/goods, proposed to us a full refund BUT are not issuing the refund and deliberately are promising it " within a few billing cycles ... " I believed there should have been a safeguard in situations, such as ours and filed a complaint with XXXX against Barclays - - as a result, I received a phone call from a Barclay 's representative, explaining to me that the reason why we can not get a refund is because we were outside of the " dispute window. " This was the very first time we've ever heard about a dispute window, and I reminded the representative that they've sent us numerous written correspondence without mentioning anything about this, as well as speaking with a large number of different representatives on the phone, and again - never once mentioning a certain time frame we had to submit a claim, supposedly. And that it had, supposedly, passed... I asked her - why did you waste our time for over a year - going back and forth, and supposedly launched investigations, if we were not even in that " window.?! '' And potentially delaying us even more?? She just said she's very sorry but there's absolutely nothing XXXX can do for us... I requested to be connected with her supervisor, and she's said there is No one above her.. The person 's name is XXXX XXXX, Executive Specialist, Office of the President. *It is all contradictory, as Barclays was encouraging us all this time ( and several times in a written form ) to contact the Merchant and try to resolve the issue ourselves, further delaying the resolution of the issue, the Merchant was promising refund and also delaying us, and in the end - because we followed the credit card representatives recommendation to wait and work it out, now all of a sudden we are " outside of the window.. '' We've tried XXXX a few more times- to no avail, they actually stopped responding to us. And now, we are in the 2nd year of the purchase of that plane ticket, still no refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: They refuse to close my account without a retention pitch. They literally have a message topic option of " Account Closure, '' but they refuse to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
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: On XX/XX/XXXX, my card was charged {$190.00} by XXXX XXXX, which we came to find out was some supplement company in Georgia with hundreds of complaints against them. There was another charge for {$49.00} the same day by the same company. And one more charge for {$190.00} ( again ) same day, same company. We were not aware of the charges until some unordered product ( a small bottle of pills - we think ) showed up at our door about a week letter and then saw the fraudulent charges on my card. I immediately contacted Barclays to make a fraud claim. We also returned the package to the sender unopened. Barclays apparently did nothing and at the end of XX/XX/XXXX, there were 4 additional charges on the same card for " XXXX XXXX XXXX - three of these charges were for the same amount {$53.00} on XX/XX/XXXX, XXXX ( same day ) and XX/XX/XXXX. XXXX charge was for {$130.00} on XX/XX/XXXX. I called Barclays again, state that these charges were incorrect or fraud, and asked that they do something about it. About a week later we got a letter saying that the charges were legitimate because the vendor said they sent us product. I again contacted Barclys to explain that we dod not order the product and returned it immediately. I also asked for the disposition of the other obviously fraudulent repeat charges to XXXX XXXX and ask them why they dis not cancel the card immediately after the first fraud report in early XXXX. They had no answer. I again went through all the transactions with them on file and explained which ones were fraudulent and which ones legitimate. They said they would start another investigation. Today I received a letter from Barclays 's saying that they couldn't resolve this for some reason. I also see a variety of credits and charges on my account since I stopped using the card over a month ago. I have not activated the new card they sent me because of all of these problems. I have tried to resolve this on my own with Barclays to no avail. Last time I spoke with them I said that I would file a complaint with the CFPB if this didn't get resolved soon. Seems like they dont care about that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: My credit card was hacked and on XXXX XXXX, 2022 the credit card company closed and was going to send replacement. XXXX was promised on XXXX the XXXX, didn't come. Then promised on XXXX the XXXX, then promised on XXXX the XXXX before XXXX XXXX. Never came. Called multiple times with no satisfaction or where card is. The credit card is Barclay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Barclay 's JetBlue credit card was either lost or stolen on XXXX XXXX, XXXX. Between XXXX XXXX to XXXX XXXX, the credit card was used for {$2600.00} of fraudulent purchases and cash advances in the XXXX XXXX area. On XXXX XXXX I received a text message from Barclays alerting me that there was suspicious activity on my account, and I immediately called Barclays to inform them that all recent activity on my account was fraudulent and to cancel the credit card. I also submitted a form online identifying and disputing the fraudulent activity. After several weeks, some of the fraudulent activity was still posted to my account, and after several more phone calls to Barclays customer service, I was finally able to get all fraudulent activity tagged removed from my account. However, on XXXX XXXX, XXXX, I received another letter in the mail from Barclays stating that they had completed their fraud investigation and determined that some of the transactions we valid ( which they were not ). These fraudulent charges had been added back to my account. They provided me with no evidence to prove these charges were valid either in writing or on the phone. After multiple phone calls with Barclays on XXXX XXXX, XXXX, they stated they would only reopen the investigation into this fraud if I was able to file a police report, which I did that same day. All purchases and cash advances ( totaling {$2600.00} ) on my Barclays JetBlue credit card between XXXX XXXX and XXXX, XXXX are fraudulent and not made or approved by me. The card was either lost or stolen -- and not in my possession when these charges were made. After XXXX calls and multiple hours on the phone with Barclays customer service, some of these fraudulent charges are still on my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2021 XXXX XXXX XXXX notified me my credit score dropped almost 100 points. After a lot of investing, it turns out XXXX sold my XXXX credit card to Barlcay Bank and gave incorrect, outdated personal information on me so that I never received a bill or any contact at all from Barclay regarding a {$60.00} payment due. ( Not even my correct last name ). That resulted in a delinquency on my 14 year Excellent credit score and dropped me from XXXX to XXXX. My credit reports history speak to how responsible I ALWAYS am. Zero balances every month for 14 years, except my mortgage. I spoke with XXXX and they said their records are purged. I spoke to Barclay n my and they said they won't help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In the fall of 2021, I was notified that XXXX was ceasing their credit card service with XXXX, but that a new credit card would be opened through XXXX. I did not want a new credit card to be opened, so I called XXXX to identify what steps needed to be taken to prevent a new card from being opened. They informed me that as long as I did not register the new card, I did not need to take any other actions. Subsequently, there have been charges placed onto a new credit card with XXXX from XXXX. I have had several conversations with XXXX identifying to them that I did not authorize the opening of this credit card, nor did I approve any charges from XXXX. XXXX has failed to provide me with correspondence identifying that the credit card account is closed, that it was not authorized to be open, and that I am not responsible for any charges from XXXX. This appears to be a scheme between XXXX and XXXX surrounding the closing of their account. I want to ensure that this is handled properly, that my credit score is not negatively effected beyond what it currently has been, and that other consumers are not taken advantage of in the same manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a card from Barclays bank and was denied. They didn't even pull my credit to consider my application. They sent me a letter claiming I used to have an account with them that was charged off, but that isn't true. I pay all my cards in full and have always done so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A