Date Received: 2021-12-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a letter in the mail in early XXXX that Barclay would be closing my account on my XXXX credit card that ends in XXXX. My payments have not been late nor have I had any issues with this or any Barclay cards that I have. I called the company today to see if they would reinstate my card and they declined to do so. I no longer have the letter that was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I get setup on a 'hardship program ' with Braclays Bank Deleware Frontier Mastercard on XXXX XXXX, XXXX. The setup a scheduled payment for the program for the XXXX of each month thereafter ; on XX/XX/XXXX the payment drafted my account, when I reviewed my bank account on XXXX XXXX, XXXX, I did not see the monthly payment debited. I called that day and found out they only scheduled XXXX for autopay, and I make XXXX payment on XX/XX/XXXX in full. I then found out through my credit monitoring service that my score dropped about XXXX points because Barclays reported me 30-days late. I called Barclays back to find out what happened, they then proceeded to tell me that a prior statement went out around the same time I had enrolled in the hardship program, at the end of XXXX, and that was likely why it was reported to my credit as late. So they said they would credit the account for some interest and other fees that I was charged, and required me to make an additional payment to get the " account current '' ; but I was not otherwise made aware this account had an outstanding balance when I setup the payment program. I was told the payments that they scheduled, and the {$230.00} per month was all that was needed. So after waiting on credits to update on account, they still did not properly report to credit bureaus that my account was not late. It has never been 30-days late, and for the month of XXXX, XXXX where my credit report is showing a 30-day late status, the payment was made within 5 days of the due day, which I had thought was setup as an automatic payment. The account was Never close to 30-days late. Payment XX/XX/XXXX ; conf # XXXX Payment XX/XX/XXXX ; conf # XXXX ( I also setup 12-month automatic payments to ensure this was not an issue ) Payment XX/XX/XXXX ; conf # XXXX Clearly you can see there were no 30-day late payments. I have not had a 30-day late in 26 years on my credit... this is inaccurate and severely damaging to my credit and at this time I am trying to do a refinance on my home. This credit impact will prevent me from getting the best rate, and can cost me thousands of dollars in interest over the term of a home refi. I need this inaccurate reporting removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Barclay 's Bank of Delaware accessed my credit report twice in the same day in response to a legitimate credit line increase request. I already had 1 inquiry in the previous 2 years which was legitimate. Barclay 's negligent and tortious actions have resulted in a total of 3 inquiries on my report which has harmed my credit score as the range of acceptable inquiries is 1-2 for " good ''. Their actions have pushed me into the 3-5 range which is " average ''. I have emailed their customer service inbox with a screenshot of the error and their response was to log into my online account and submit in inquiry in the message center. I have done so twice and only received canned responses which do not address my complaint. This is not the first time this institution has ignored or dismissed my valid disputes. In 2015, my account number was compromised and there were fraudulent charges on my card which Barclay informed me I had to pay for until they completed their investigation at which point they " may '' refund the charges. They only took the fraudulent charges off after I went to their facebook page and posted the message exchange.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38117
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened the Barclays XXXX XXXX and More credit card largely for the benefits it offered, namely the conversion of award miles into status miles so that I can meet a Senator threshold with the XXXX XXXX and XXXX program. The credit card was advertised that holders can convert award miles into status miles at XXXX ratio. However, this benefit has not been conferred to me, despite having the credit card. Over the course of the last month and a half, I have called the service desk at least 4 times. Each time I was told that I am " definitely eligible '' for the conversion, and yet the option did NOT appear on the website where it is supposed to be executed. I was told that it is likely due to a technical issue since I meet the criteria and in XXXX cases I was promised that a case would be open. Only once I received a case number XXXX with an unsatisfactory response telling me that " flight activity is required '' which I have plenty of. The issue still remains unresolved, despite my numerous attempts of speaking with representatives of the company. I have planned my travel such that I would be able to meet my goal of achieving the status by my own travel and by using the benefits of the Barclays XXXX XXXX and More credit card that are contractually promised but delivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent Barclay Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both inXX/XX/XXXX) to request them to eliminate this account from my credit reports as it is my father 's who died in XX/XX/2021. I have requested an investigation of this account and for them to provide any proof that this account is mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged this account so to add extra length to a debt that is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In late XX/XX/2021, I mailed a certified check ( # XXXX ) to Barclays in the amount of {$5800.00}. I waited about 2 weeks until I began to worry that the check had not been credited to my account. At that point I called Barclays about the check but they said they had not received anything. At that point I thought maybe the check was lost and that I would just get it reissued by the title company through which I had completed a refinance with. After calling the title company which issued the check, they confirmed the check had cleared. I then called Barclays again to inquire about the status of this check I had mailed them. The Barclays agent told me they had created a dispute and that I would receive a response from them in the mail. On XX/XX/2021 I finally received a letter acknowledging my dispute and requesting documentation for them to investigate. This was the one and only communication I have received from Barclays in 5 months of reaching out to them. I needed to request this documentation from the title company which issued the check which took some time. After receiving copies of the front and back of the check, I sent these certified mail to the address listed on their dispute acknowledgement letter around early XXXX. It has now been 2 months since I have mailed, called and emailed them and have not received any response from them at all regarding the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I created and mailed a cashiers check to pay off this debt on XX/XX/21. The check was negotiated by Barclays on XX/XX/21. As of XXXX, it was still not reflecting paid, so I called again and opened a case. They requested that I fax over a copy of the check and I did. I sent a photo of the front and back to fax number XXXX. On XX/XX/21 they mailed a letter stating they were unable to complete the request. A dispute was filed in XXXX with the check uploaded as well.. and that did nothing. I called again in XX/XX/21 and they said they will reopen the case and to send the copy of the check in a fax again. I did. Hoping this will resolve the issue, but also wanted to file complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83616
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My name is XXXX XXXX. I am a Barclaycard JetBlue customer ( card # XXXX ) On XX/XX/XXXX I received a promotional balance transfer offer from Barclaycard JetBlue credit card services. I am a current credit card owner. I decided to take advantage of the 0 % APR until XX/XX/XXXX and completed the information for a balance transfer ACH in to my Chase checking account. On XX/XX/XXXX I logged in to my Barclays Jet blue account and saw they charged me the balance transfer fee and {$16000.00} balance transfer ; however it did not appear in my XXXX checking account. I waited and waited; finally on XX/XX/XXXX I had enough and called Barclaycard jet blue customer service at XXXX at XXXX XXXX. From my phone number XXXX. The customer rep was friendly but did not seem to understand what was going on and stated she filed a claim and it would take about 7 days for it to get resolved. ( CLAIM # XXXX ). I was upset but decided to wait. On XX/XX/XXXX there was no update so I called again XXXX at XXXX ET. The rep now told me it would take XXXX billing cycles. Which is completely unacceptable! I was extremely upset. I then filed a complaint to Barclaycard XXXX from their online Portal explaining all this and they stated the same it would take XXXX billing cycles to resolve. How is this legal?! They deducted the money from my account on XX/XX/XXXX and charged me the {$480.00} fee and on top of that are going to makee wait potentially until XXXX to get this resolved?! That is unacceptable. They are literally STEALING my money and using it for those 3 months. I am on the verge of taking legal action and filing a lawsuit if this doesn't get resolved immediately. How does it take 2 days to deduct and charge me the fee but a potential XXXX days from when you charge my account to get this resolved?! That is extremely Ludacris and unacceptable, especially during a covid time era where the point on doing this was to save money on paying off balances. Now I am missing out on a potential 3 months of saving interest from paying off other loans that I was going to pay off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
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 transacted with merchant ( XXXX XXXX ) for {$1000.00} on XX/XX/2021. The merchant was unable to fulfill service and promised a refund of {$94.00}. After calling and e-mailing the merchant and receiving no response I opened a dispute with Barclays for my Jetblue Card which was used for the transaction. The merchant contacted me and offered to send a check but asked that I close the dispute. I did not want to close the dispute prior to a formal resolution for fear that the merchant would not fulfill the refund. Barclays subsequently closed the dispute although I informed them that I rather the refund be issued to the original payment method which was my card product. After the closure the merchant failed to issue the refund of {$94.00}. I contacted Barclays and informed them and asked for the dispute to be reopened. It is now XXXX and I had to contact Barclay for an update to the status of my dispute. They once again closed the dispute simply because the merchant told them I declined the refund and that they had attempted to contact me. They did not validate these claims with me; had they contacted me they would know that the merchant has not reached out to me, nor have I formally decline any refund with the merchant. As of XX/XX/2021 I contacted Barclay 's twice regarding this dispute and both times the agent hung up on me. I have received NO call back. This is obscene. After the first closure, Jetblue reversed the chargeback which required me to make payment on a disputed transaction or risk impact to my credit history. I have provided sufficient documentation that shows I initially acquiesced to the merchants offer to refund me via check ; however, I believe 3-months for the issues of a check is unheard of. Additionally, Jetblue has required no substantiating proof from the merchant that they have issued and/or intend to issue the check. They have informed me it is now my responsibility to contact the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Barclays and Jetblue have partnered to offer a MasterCard. They claim that you will receive promotional bonuses and points for flights. I have spent 4 hours on the phone with both Barclays and JetBlue and neither company is able to link my credit card with the Jetblue rewards. They refuse to award the offer for which I signed up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02116
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A