Date Received: 2021-11-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I called the company 's customer service line to close the account. The customer service phone number is XXXX. After speaking to someone who I thought would close the account, that person said I had to be transferred to someone else. After waiting on hold for XXXX minutes, I was told that there was nobody who could take my call. I was very mad. I asked to speak to their supervisor- they also said that nobody answered. Really? They have plenty of people available to open an account but no one available to close the account? This is horrible!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53590
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
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 - we purchased with XXXX XXXX. This purchase included an additional fee for expedited shipping ( XXXX days ). On XX/XX/2021 - the day of expected delivery, nothing arrived. We attempted to contact the vendor a few times throughout the day but had no luck. Our final attempt of contact was through email, where we asked XXXX XXXX to cancel the order and refund the charge. Still no response. We purchased the same item through another vendor named XXXX XXXX XXXX and used the same card on this same day. On XX/XX/2021 - the shipment from XXXX XXXX arrived. We made multiple attempts to contact XXXX XXXX, and when they finally answered, they claimed the shipment was sent in error after cancelation. However, pool XXXX asked us to ship it back, so we did. On XX/XX/2021 - the item was sent back to the vendor through XXXX Tracking # XXXX. On XX/XX/2021, @ XXXX PM - The shipment arrived at the vendor. On XX/XX/2021 - I did not see a credit appear on my account as promised by the XXXX XXXX, so I contacted Barclays and filed a dispute. A credit was issued against the charge, and Barclays told me they would handle it. On XX/XX/2021 - I noticed a charge on my account for {$400.00} from XXXX XXXX dated XX/XX/2021. I contacted XXXX to find out what was going on. After speaking with a couple of people who gave differing stories, I asked to speak to a XXXX. I was told there was no XXXX available, so I asked to talk to someone in the XXXX, which was not an option either. I was told they would have to message a XXXX, and someone would get back to me. No one ever did. On XX/XX/2021 - I received a letter from XXXX stating they attempted to reach me on XX/XX/2021, and XX/XX/2021. These claims are false. I have no missed calls, nor did anyone leave a voicemail from these alleged calls. Additionally, there was an alleged statement from the vendor claiming they ( the vendor ) did not receive the returned item within the XXXX day return policy. We received the item on XX/XX/2021, and it was shipped back to the vendor XX/XX/2021, and received by them on XX/XX/2021. This is well within the XXXX day policy. Please see attached documentation. Would you mind helping fix it? Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: CFPB, you are allowing this bank to operate with impunity. This is illegal what they are doing! They are the reason why that consumer credit profiles are in the tank. Again, Barclay 's Bank seriously reduces my credit limit on my other card with them. Literally they took my credit limit from {$8900.00} to {$4400.00}. Which was basically what I owed. How can they be allowed to do this? This ruins my debt-to-income ratio and causes my XXXX XXXX to go down. PLEASE DO SOMETHING! FINE THEM! PULL THEIR LICENSE! THEY ARE A HORRIBLE BANK!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Barclay Bank did NOT solve any of the problems from my original complaint. They did not even terminate XXXX 's employment at Barclay. There's no indication that they actually read any of my complaints. They only sent me generic responses. If they are not able to solve any of these problems, we should continue the legal battle well into XXXX or XXXX. This is NOT something I will put up with, just to be clear. Original Complaint that was sent to Barclay on XX/XX/XXXX Date : XXXX, XX/XX/XXXX, XXXX XXXX Subject : Complaint against XXXX To : XXXX XXXX : XXXX Hi Barclay Bank : I called Barclay Customer Service on XX/XX/XXXX and I spoke to someone name XXXX. She refused to give me her last name and she gave me a fake employee ID. She told me she is located in XXXX, Nevada. ( if that's not a lie ) I had questions about my account which XXXX could not answer and refused to answer. We got to a point where I asked a question and she said that she did not have a response for me. She's very XXXX and rude to me the whole time. I had to escalate to a manager in order to get my questions answered and took care of business in my account. Please listen to the recordings from that day. XXXX talked to me like she was my boss and I was begging her for help or something. She lacks customer service training and sympathy as a human being. She left me with no choice but to formally report her. Please terminate XXXX 's employment at Barclay. She's a XXXX XXXX at Barclay. She brings XXXX to Barclay. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94133
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRCLYSBANKDE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On or about XX/XX/XXXX, I became aware of more than {$20000.00} of fraudulent charges connected with my XXXX XXXX issued through Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX. XXXX is a college savings program and I have held this credit card for almost 20 years. I contacted customer service immediately, and the representative was able to tease out legitimate charges from the clearly fraudulent ones. I was told a fraud investigation was initiated, and instructed to cut up the card. These bogus charges were easily distinguishable in transaction size, the types of vendors reached ( i.e. XXXX XXXX ) and frequency of charge compared to my normal activity and spending patterns. At no time in the run-up to initiating contact with customer service did I receive communication from Barclays about large, unusual charges or increased frequency of card use. On Monday XX/XX/XXXX my bank was legitimately charged for just over {$1000.00} in purchases, and funds were disbursed accordingly. On Tuesday XX/XX/XXXX Barclays, despite being on notice of fraudulent activity attached to my card, attempted to reach my bank account for more than {$20000.00}, putting my bank account seriously in the red, leading to bank fees etc. My bank, on XX/XX/XXXX declined to pay. Yet again on XX/XX/XXXX Barclays tried to access my bank account once again for over {$20000.00} in fraudulent charges. As of this writing, my bank account shows a negative balance. On Saturday XX/XX/XXXX despite more than 3 hours in calls with more than 5 customer service, fraud, security staff at Barclays I was informed that a ) Barclays would not provide temporary credit pending completion of the investigation, or B ) intervene to stop efforts to collect from my bank account, despite more than 96 hours of notice about the fraud. c ) I was further informed that the investigation would take between 30-45 days to complete. Additionally, I will be complaining to XXXX and have filed a XXXX complaint in Delaware.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Jet Blue credit card through Barclay 's Bank for a few years. I used it and carried a modest balance. I have never complained about the interest rate and paid my bill on time. About two months ago, I purchased some furniture. Not thinking about it I decided to put a piece of furniture on this card. I am not sure what I was thinking really but I certainly did not think that I would get no promotional rate at all! Most cards offer this on new purchases for at least six months to possibly a year! If I would have known this or realized it I could have financed the furniture through the major retailer, I purchased it from or opened a credit card through them with a 0 %. I have good credit. I would have qualified for the financing or the credit card for sure. I seen when making my last payment online that I am now paying {$35.00} per month in interest. I was stunned. I contacted the bank immediately through their online messaging asking if something could be done. I am experiencing a hardship as it is. I don't want to have to go into a settlement with this card and ruin my credit. This is unreasonable. I want something done and the high interest refunded for the XXXX months or I am going to have to make an unpleasant and serious decision as I am not going to be able to pay my bill..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
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: To Whom It May Concern : I have a credit card, account number XXXX, with BarclaysUS. They were offering a 0 % APR balance transfer offer for 6 months that I wished to accept. The representative was offering to direct deposit the money that I need directly into my business bank checking account with XXXX Bank. I did this transaction on XX/XX/XXXX and the transaction posted on XX/XX/XXXX. I was a bit concerned with the XXXX doing the transfer on XX/XX/XXXX as he was not asking for my routing number and did not know the account number. I found this odd since I had done a similar balance transfer offer successfully on XX/XX/XXXX to the same bank account and got the money instantly. He kept asking for my branch address. I had to request that he take my routing number down numerous times. I knew that without a routing number, the ACH of funds would never hit my TD Bank checking account ( or XXXX Bank at all for that matter ). He eventually completed the transaction. I later checked on XX/XX/XXXX to make sure the funds had hit my account and they still had not. I called on XX/XX/XXXX to establish a complaint with the company. The first representative did not seem to think it was a problem and that most ACHs could take up to XXXX business days. I implored her and her XXXX that I asked to have escalated to during the call to look a bit deeper. They realized that there was no routing number. I supplied this to them. However, now they said that this could take up to XXXX business days to resolve. I did not think that was a reasonable time window for resolution. I called again on Friday XX/XX/XXXX. I got the same answer that a case has been started and they're looking into it, but I could sense that there was no resolution on the matter or even a start to resolve the matter. They continued to reinforce that this might take 30 days to resolve. I don't think a simple ACH mistake should be given that long of a window, especially when it was me who initiated the case 5 days later and the charge is on my Barclays account for which I have the responsibility of paying. However, I don't have the benefit of receiving any money to complete the transaction. I am writing to the CFPB to expedite the handling of this matter with Barclays. I wish for a Barclays representative other than a customer relations XXXX to give me a resolution window that is less than " possibly 30 days ''. I can best be reached by my cell phone at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am writing to dispute an incorrectly reported credit issue in my file associated with XXXX XXXX and Barclays Bank Delaware. Attached are signed and notarized documents proving grounds for my dispute. These have been mailed to XXXX XXXX XXXX Department and Barclays Bank Delaware. XXXX XXXX Mail, Return Receipt Requested for proof of receipt. The enclosed Notification, Affidavit, and XXXX XXXX XXXX XXXX will show the reported item in question is, and has been, in dispute with XXXX XXXX and Barclays Bank Delaware. While I do not deny a contract was signed with XXXX XXXX, the contract was entered into upon fraudulent acts committed by XXXX XXXX, as shown by the enclosed documentation. Please reinvestigate this matter and delete the disputed item as soon as possible, and mark any further attempts on behalf of XXXX XXXX and Barclays Bank Delaware as disputed. Sincerely, G.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
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 tried to purchase pet food using my Barclays XXXX XXXX credit card from a local company on XX/XX/XXXX this year. The merchant said that it did not go through, so I said to try again. It still did not go through so I did not make the purchase, bought a smaller amount with cash. I noticed two days later that there were two pending charges for {$85.00} each from that merchant ( XXXX XXXX XXXX. ) At that time I wrote a message to the credit card company to inform them the purchase was wrong. They replied that it must first go through and then to file a dispute. I did file two dispute inquiries and also went to XXXX XXXX XXXX to speak to the owner. She had no record of the two transactions since they did not go through. I spoke to the credit card company and later received two letters. One stated that I had no paperwork to back up my account of this, which is true since the purchase was not made. The second said that I had waited too long to dispute it. I take issue with both of these replies since I did initiate communication with them Immediately and I can't prove that I didn't pay for something since there is no receipt. I have been charged {$170.00} for items I did not purchase and the credit card refuses to credit this back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96734
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A