Date Received: 2022-01-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My Husband & I both have separate credit card accounts with Barclays Bank. On XX/XX/21 I made a purchase in the amount of {$2300.00}. On XX/XX/21, My husband went into his bank 's bill pay page and mistakenly paid his own Barclays account {$2300.00} which should have been paid to my account. He contacted Barclays and asked them to move the payment to my account and at first, they told him they couldn't. He then contacted them a second time and asked if they could refund him back the entire payment of {$2300.00} or move the payment to my account. They said they need to do an investigation which would take 30 days. I contacted Barclays and they told me that I should have my husband call his bank and see if they could reverse the payment, and he contacted the bank, but they said it was too late. They also gave me this ridiculous excuse of needing 30 days to investigate. I am not sure why a bank needs 30 days to figure out how to move a payment made to the wrong account into the correct account when it's pretty clear the purchase amount and payment amounts are the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: About a year and a half ago, I was told by my previous credit card company ( XXXX ) that they had transferred my account to Barclay 's. They gave me a number to call for Barclay 's. I called and was told that there was no account transferred from XXXX. I waited a month and called again. Same result. I finally found an address for them and wrote to them. A card came in the mail about 3 months ago. I activated the card, began using it, and created an online account where I was managing payments and charges. Then I got another card in the mail, with a different account number. I haven't activated it because I don't want another credit card account. I asked them several times why I got the second account. I have not received an answer. In the meantime, they closed the first account. I have no access to using it for charges OR for making payments! Now, I got a letter in the regular mail telling me that I am being charged because my payments are being returned because the account is closed! So now, since the account is closed, I can't even send them messages. The attached message is the last one received by them where they try to explain " Bank Account Closure. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98584
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a Barclay 's credit card which had a promotional 0 % interest rate for 18 months. I made regular payments on the card after a {$1500.00} purchase and had the balance down to {$880.00} when the promotional period ended. Barclay 's then charged the entire amount of interest due on the {$1500.00} purchase all at once, even though they had already received {$610.00} in payments from me. They assessed an interest charge of {$470.00} on XXXXand have added that to my balance. I find this to be very deceptive on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
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: I had a fraudulent charge of {$190.00} from XXXX XXXX applied to my account sometime early last year. I immediately called Barclay 's, canceled the credit card and filed a fraud claim with the company. Barclay 's then proceeded to apply a number of charges for {$190.00} to my account and a number of credits to my account, and still continued to charge me the {$190.00}. They claim that they mistakenly credited an extra {$190.00}. I told them if they added up all my purchases and deducted all my payments they would see I paid the extra {$190.00}. They have yet to do that. The last person I spoke with told me she would send me Barclay 's position on this issue in writing, but they have yet to send me anything in writing. In the meantime, Barclay 's contacted the credit rating bureaus and destroyed my credit. I have always prided myself in having excellent credit, yet they destroyed it due to an error on THEIR part. Can you tell me, do I have any recourse against Barclay bank besides filing a complaint with your office? Any assistance would be greatly appreciated. They caused my credit score to drop almost 100 points all because of a mistake they made. Thank you in advance for any help you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2021, I consumer XXXX XXXX sent BARCLAYS US a cease and desist letter demanding they stop the infringement upon my intellectual property rights. BARCLAYS has threatened and harassed me to make a payment on this alleged debt. They threatened that my intellectual property would be closed and the account would be charged off, which is a violation of the FDCPA. I am demanding BARCLAYS to stop the willful infringement upon my rights. BARCLAYS also closed this account, that I opened, against my will and without my permission, which is a violation of the ECOA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
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: Dispute the CARGES ON MY STATEMENT DATE XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX {$210.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$240.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$210.00} These charges were originally on my card ending with XXXX. That Card was canceled and a new card was issued. These were disputed as fraudulent charges and I received credit on my statement dated XXXX. I was surprised to see these charges put back on my statement DATE XXXX I did not receive any notification on this. I called the customer service on the week of XX/XX/XXXX. They said there was a mistake and she would fix a code in the system. This did not happen. I called the customer service on the week of XX/XX/XXXX. His name was XXXX XXXX said the charges would be revised in a day. This did not happen. I called the customer service on XX/XX/XXXX There name was XXXX there ID is XXXX She said these charges would be revised in 48 hours. This did not happen. This is sad I do not get an honest answer from your customer service employees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46806
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I went to a presentation by XXXX XX/XX/2021 to get more information about there services. They ran a credit check to see if I qualified for their services. Unbeknownst to me, they enrolled me to obtain a credit card from them. I never consented to this. In fact, I have never received this credit card that was fraudulently opened in may name. I contacted Wyndham, and they told me to contact Barclay 's about the account. When I called they did not have any record of the account/credit card and can not even look me up in the system. I've tried disputing this credit card multiple times with XXXX but they will not remove it. I would like this matter investigated as this card was fraudulently opened and I am not able to close it for some reason. The account number is XXXX. I do not have the credit card number as I never received it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Previously, all three of my credit accounts with Barclays had a higher credit limit than they do now. I used these accounts exclusively for balance transfers, and purchases. I even paid them off several times to. Despite all of this, Barclays punished me, restricting my accounts by significantly lowering the credit limits. These restrictions prevented me to purchase XXXXXXXX XXXX XXXX tickets due to the lowered credit limit. on account XXXX, Which is now account XXXX.Recently however, Barcley sent me checks to do balance transfers on account XXXX, which I did. Unfortunately., because of the restrictions. I can only do a limited amount of balance transfers due to the lower credit limit on this account. I was told by Barclay 's representatives that these restrictions would be lifted after six months. It has been almost a year and the restrictions are still there. Please keep in mind that I did not receive any points on these Barclays account ending in XXXX, or XXXX for making XXXX XXXX purchases with these cards. These accounts were flagged by XXXX ( XXXX ) because Barclays lowering the credit limits so low that I lost points on my credit scores from all three bureaus all at the same time, and for the security breaches found
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My father was involved in a devastating accident where he suffered a XXXX XXXX XXXX. Since XXXX, he has not possessed the XXXX XXXX to manage his financial affairs. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He spent about four months in hospital facilities before being transferred to a group home where he will likely reside for the foreseeable future. I called Barclays, who manages his XXXX XXXX XXXX XXXX, to inform them of his condition and request that his credit card account either be closed or downgraded to an account that does not have an annual fee. Shockingly, Barclays did not have procedures or protocols in place for handling such a situation where a primary account holder has become incapacitated and is no longer capable of managing adult responsibilities and obligations. I was then accused of trying to commit identity theft/fraud against my own father! The response I received from Barclays was preposterous and inflicted further harm on a family who is dealing with a very traumatic event. It also defies logic that such a request to either close an account or downgrade it to no annual fee, could somehow constitute identity theft. At no time during my conversation with Barclays did I ask for any personal or sensitive information concerning my father or his account. I simply notified Barclays of his condition and requested his account be closed or downgraded to no annual fee. After being accused of being a criminal and hung up on by " XXXX XXXX ( who refused to further identify himself with a last name or employee ID ), and then speaking to two supervisors, I was told Barclays would " handle the matter. '' They lied. We just received the most recent credit card statement seeking the annual fee and stating that the account is past due. Of note, the annual fee is the only outstanding charge on the account. All other charges have been paid in full since XXXX, with no other charges posting since. Barclays ' attempt to extract an annual fee from an individual who they know does not possess the requisite faculties to manage his affairs is illegal and unethical. They need to be held accountable for these transgressions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
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: Received Statement XX/XX/2021. Called to cancel card and was told on that day card was closed and {$59.00} subscription fee would be reversed. This fee was not credited and each month since XXXX we have incurred late fees and interest fees. We have documented numerous call to Barclays in good faith to resolve and close out card once and for all. Each time we called we were assured all fees were removed and the {$59.00} remained in dispute as the merchant refuses to respond to dispute. We have called the merchant, Frontier Airlines, and get put on hold for 120 minutes only to be disconnected each time. We did not authorize the charge and reported it to Frontier and Barclays within the required 30 days notice. We have even sent a letter to Frontier about this matter without response. We have done our due diligence and in good faith attempted multiple time to get credit. Interestingly every time we call Barclays they suddenly get " system errors '' and can not help us at this time. The agents are clearly running interference and making it impossible to obtain resolution. We are not being treated fairly and we are reaching out for assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A