Date Received: 2022-02-02
Issue: Getting a line of credit
Subissue:
Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT, my complaint is in regards to an adverse action that was taken against me as a consumer by Barclays. I already tried to fix this problem with them. They contacted me XXXX time in regards to this and has not contacted me since even tho I have tried to reach out to the representative who contacted me by the name of XXXX XXXX. THIS WAS BACK IN XXXX! on XX/XX/21was the last time they contacted me in regards to rectifying this situation. Recently, I, XXXX XXXX, was denied an extension of credit by BARCLAYS. On XXXX XX/XX/2021I submitted credit card application, I applied for XXXX XXXX XXXX XXXX. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Barclays has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a Uber branded credit card issued by Barclays. In mid-XXXX, I was surprised to receive new credit cards in the mail with different account numbers and without the Uber brand. I immediately called customer service and was told that the arrangement with Uber ended on XX/XX/XXXX, and that these were my new cards. I asked why I had not received notice of the change and they told me that they had sent me a letter with an opt-out option and, since I did not reply, they signed me up for the new card. I immediately cancelled the new card because I did not want it. I have asked multiple times for a copy of that letter and have been told that they would mail it to me. I have never received it. They have refused to fax or e-mail it or send by registered mail. In the meantime, I used the card with the prior account number numerous times between XX/XX/XXXX and XX/XX/XXXX believing that I was doing so under the Uber terms and conditions and the Uber reward program. But I have come to find out that Barclays just transferred my purchases from that account to the new non-Uber account. I never agreed to any of this and had no notice of the change. The consequences of this are that I lost existing Uber rewards and that I earned Barclay rewards points on the early XXXX purchases. When I asked for a credit for the value of my lost rewards, Barclays refused because my point value was below their minimum redemption. When I asked them to reverse the charges for my XXXX purchases, so that I could repurchase using a different card, they also refused. My concerns are : 1. They did not provide notice of this change ; 2. Even in the notice that they say they gave, they used an opt-out model ( rather than an opt-in model ) to get people enrolled in a card they did not want ; 3. They wrongly allowed charges after XX/XX/XXXX on an account that they closed and transferred them to an account for which I did not have the card and one in which I never agreed to the terms and conditions ; 4. They delayed sending the new cards for two weeks, which meant that I had no notice of the fact that I was effectively using a card that I did not know about and did not want ; 5. When notified about this, instead of working with me to compensate me for the value of my lost rewards, they basically told me to pound sand ; 6. They have repeatedly refused to send me a copy of the notices that they say they sent, but which I did not receive. Notably, they refuse to use any form of communication ( such as e-mail, fax, or registered mail ) where both parties would have a record of the communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclay 's XXXX XXXX had excellent points/rewards. I had saved my points fo over 3 years amounting to over {$500.00} dollars in points/rewards. They changed the card to Barclay 's XXXX and my points are gone. I have called multiple times and I am told they will come back but it has been 4 months and I keep receiving the same response. This is a clear violation of terms and conditions and they seem to have complete disregard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
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: Last XXXX I purchased I steam shower. The company called me based by an inquiry I made about the product. The purchase was made over the phone. The shower came completely broken, the hot water was not mixing with the cold water. I called the company and they send over the broken part. I had it replaced by my plumber and we realized that the shower enclosure could not be sealed. Additionally the tub was leaking. Initially the merchant refused to accept the return of the shower. I complained to the credit card and a temporary credit was issued. After that the merchant agreed to take the shower back. I contacted the credit card company and told them the merchant agreed to take the shower back. The agent from the credit card told me keep all documents because they may ask for them later. However soon after the credit card send me a short notice informing me they could not help and charged my card. I contacted the merchant and he refuses to refund my charge, in spite of the fact that I have a statement showing the receipt of the shower. They told me the money belongs to them because they won the dispute. I reopened the dispute with the credit card and I send all documentation. Two month later I received the same short letter stating they could not help, in spite of the fact that they know the merchant has both my money and the product. Additionally I pay interest for the entire amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17406
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
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 or about XX/XX/XXXX I purchased online a XXXX supplement. I used my Barclays credit card ending in account XXXX. The company ( XXXX XXXX ) charged {$19.00} for the product. Once I entered the card data, the total amount of same became {$240.00}. I immediately called XXXX XXXX and alleged fraud and told them to cancel order. The female that answered barely spoke XXXX and said she would not cancel the fraudulent order. I immediately called Barclays ( My Card Account holder ) and informed them of the fraudulent charge. Barclays canceled the card and mailed me a new one. On XXXX XX/XX/XXXX I received a letter from Barclays that they had completed their investigation and the charge was valid. I called Barclays on XXXX XX/XX/XXXX at XXXX and talked with " XXXX XXXX whom said while the charge may be a fraud, I provided the card data to vendor so I had to pay. I told her I never received a product, the charge was fraudulent, the company name changed each time a XXXX XXXX add was shown, and XXXX admitted that her record showed that the product had been returned to vendor. XXXX stated I had to call XXXX XXXX so I did at XXXX and talked with " XXXX '' who barely spoke XXXX and he admitted the product had been returned and disputed by Barclays and to take it up with them. I called Barclays back on same day at XXXX and told " XXXX '' whom barely spoke XXXX and told him the entire story and he said I had to pay the amount despite not receiving a product, there were claims of fraud on XXXX XXXX each time the advertisement showed, the company name changed each time the product showed. XXXX then engaged in semantics over " Fraud '' and " Scam '' with me. I do not owe the {$240.00}. I was forced, at the threat of putting on my credit report, to pay a fraudulent charge to a fraudulent company that never sent me a product despite doing everything right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75766
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been trying to receive a copy of my recent payment history with Barclays Bank Delaware, due to the wrong amount owed showing on my credit report. I have made several unsuccessful attempts to have a payment history either mailed or emailed to me. Each time I've called I've been transferred back and forth between customer service reps after waiting on hold for 30 minutes or more. I want this information in order to have my information updated on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Below is the letter my attorney mailed to Barclays Bank of Delaware. I have received no response or consideration of my letter/complaint/request. Mr. XXXX XXXX XXXX has requested that this office contact you concerning his referenced account. We understand that Mr. XXXX has not used that card at all since at least XXXX, XXXX. However, on Friday, XX/XX/XXXX he discovered through his credit monitoring service that he had been charged a membership fee of which he was unaware and that his payment was delinquent. Mr. XXXX reports that he never received a statement containing that charge and only became aware of it when it appeared on his monitoring service as a late payment. At that time, he immediately called and made that payment in full by telephone on that same date. As Mr. XXXX had not used this card for almost two years, he was not expecting to make any payments. However, he has never been late with any payments in the past and is a loyal customer. In addition, this issue has had a severe adverse effect on his credit score. The foregoing premises considered. Mr. XXXX requests that you rescind this late payment charge and delete the late payment entry from his credit report with any credit reporting agency to which you report. Please confirm to Mr. XXXX directly in writing at the cc address below within ten ( 10 ) business days of the date hereof that you have done so. Thank you for your prompt attention to this matter, and your courtesy in this regard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: When I updated my credit report this month, I lost more than XXXX points for debts that I have not paid, I checked my report and I see that someone opened a credit card in my name. Barclay Bank Delaware on XX/XX/XXXX with a credit limit of XXXX. I do not recognize that credit card and I have never been in possession of it. Therefore apparently my credit score dropped significantly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: CFR Violations. This correspondence is in regard to violations of Coded Federal regulations committed by BARCLAYS. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that BARCLAYS does not operate with integrity. This correspondence is also in regard to adverse action committed on. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. XXXX Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i sent to many time by the credit bureaus a FTC report and they just verified my account, and this account isn't mine, this is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A