Date Received: 2021-10-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: We posted a convenience check from Barclays to the payment of a card under XXXX XXXX XXXX totaling {$8600.00} on XX/XX/XXXX. We received what was to be a Promotional APR of 0 % through at least XX/XX/XXXX, and a balance transfer fee of 3 %, but were charged a total of {$97.00} as an interest charge on XX/XX/XXXX, ( as opposed to the 0 % that was stated ) and {$430.00} as a balance transfer fee on ( 5 % vs 3 % ). We called the bank multiple times on XX/XX/XXXX, XX/XX/XXXX, and yet again on XX/XX/XXXX through the phone numbers XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX, and multiple times we didn't get a response, save when we called them on XX/XX/XXXX. The Customer Service person gave us a case number and stated they would start an investigation without an estimated time frame. After this we used another convenience check of {$6000.00} on XX/XX/XXXX, and paid off {$1000.00} in two separate checks of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. We received another statement balance on XX/XX/XXXX where we received another interest charge of {$100.00} when we shouldn't have received one once again. We called them again on XX/XX/XXXX to dispute this, but were told that our account would be under investigation for another unspecified timeframe. They told us that we would be transferred to another supervisor, but they hung up on us instead.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07652
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
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 was a Barclays credit card holder account number XXXX XXXX XXXX XXXX. On XX/XX/2021 there was a fraudulent unauthorized charge on my account from XXXX. I contacted Barclays by phone and told them I did not authorize or recognize this charge and requested to formally dispute and remove the charge. They did not remove it and carried it over to the next billing cycle with interest. I again notified them by phone and also in writing of this Fraud. I called again on or about XX/XX/2021 and Specifically told Barclays To cancel my card and NOT open a new account. However without my authorization Barclays opened a charge in my name ending in XXXX. Two charges were incurred on this unauthorized charge account totaling {$41.00}. Barclays is now billing me for this including interest. This account was opened without my permission or knowledge. I called again on XX/XX/2021 and spoke to XXXX at Barclays and was told I would not be liable for these charges. I paid off my balance on my previous account ending in XXXX. However I have received bills for account ending in XXXX. I again called Barclays but it was not resolved. Account ending in XXXX was opened fraudulently without my knowledge or permission and I should not be liable for any charges incurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11720
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: It's been 10 days since I submitted my original complaint. Days after, I received and email stating they will contact me and it has been 10 days, I've tried emailing calling and nobody from Barclay 's cares about my situation. I'm done. I applied for 2 credit cards my wife and I under false pretenses and lies. I don't want anything to do with the resort in cancun that sold me into a timeshare and sold my wife and I into applying for 2 credit cards. Please Call me or email me so you can access my account and my wife 's account so we can cancel this fraud and lies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This is a follow up complaint to a recent complaint I submitted : XXXX. In XXXX XXXX 's ( Office of the President ) response, she states that I did not apply for the Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard " using XXXX ''. That is a false statement. I did so following the instructions on the application handout the flight attendant provided on an XXXX XXXX flight. On the front of that handout it offers " {$0.00} intro annual fee for the first year {$99.00} ''. On the inside of the handout it states, " Earn XXXX bonus XXXX miles after making your first purchase within the first 90 days ''. Barclay 's opened my XXXX Mastercard on XX/XX/2021, and I made a {$20.00} purchase using it on XX/XX/2021. However, when I applied online, the site switched the terms to " Earn XXXX XXXX bonus miles after making your first purchase in the first 90 days AND PAYING THE ANNUAL FEE IN FULL, BOTH WITHIN THE FIRST 90 DAYS ''. Because I did not pay the annual fee in full within the first 90 days, Ms. XXXX states I am not entitled to the XXXX bonus miles ; however this conflicts with the handout, misrepresenting its offer. This is nothing but a fraudulent bait and switch. In addition, Ms. XXXX stated in her response to my initial complaint, " As a gesture of goodwill I have added XXXX miles to your account ''. This is an absolute lie. To preserve my excellent credit rating I have paid the {$99.00} annual fee until this matter is resolved. Lastly, in Ms. XXXX 's response she states : " If you have questions, please call me directly at XXXX ''. I have tried to call her several times. She never answers. So I was forced to leave a message, which she never called back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
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 bought 2 tickets to the XXXX XXXX : The Immersive Experience for {$120.00}. I assumed it was through a company called XXXX XXXX. However, the company was actually called Fever using the name XXXX. Multiple news outlets have reported that fraudulent ways XXXX have misled customers. I tried to reach out to the company and did not hear back. I also tried to dispute with the credit card company and did not get an affirmative resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/ XXXX I received an email from Barclays Bank about suspected fraudulent activity on my credit account. That was followed by an email from XXXX that said I has successfully sent almost {$3000.00} to XXXX XXXX whom I do not know. I called Barclays immediately and spoke to a man who identified himself as XXXX from Barclays Bank. I told him about the problem and he agreed to wrote up a claim for the fraud He took a while to fill out the form and asked a lot of questions in the process about me and my account. Near the end of the process he said there were other charges that also looked unusual and did I want to know about them and do a claim of fraud. I said " of course '' and he started to fill out those claims. I could hear him typing and occasionally he would have me type a number on a form. I had to eat so we agreed he would call me back later at XXXX. His original call to me had been at XXXX. XXXX did call me back to complete the forms and that took more than an hour or him typing and asking me questions. My Barclays bill shows that on XX/XX/XXXX XXXX again sent {$2900.00} to XXXX XXXX who is not a person known to me. I also received an email from XXXX about that transfer and responded to them that it must be a fraud since I did not know anyone by that name and did not have that kind of money to be sending to anyone. My bank statement also shows payments made to XXXX XXXX XXXX which I looked up online is a five star hotel on XXXX ( wherever that is ). The charge to that hotel on XX/XX/XXXX were {$3800.00} and {$4900.00} as well as a charge of {$1600.00} also at XXXX. I have never been to XXXX and was getting ready for a trip to XXXX at that time. How could those charges be made since I had my credit card. Why would Barclays honor them without notifying me. I did not know about any such charges except the one to XXXX until I received my paper bill. I was called by XXXX from Barclays twice on XX/XX/XXXX using phone number XXXX to finish the claims. During this time I saw my bank account statement at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) show up on my computer screen and I asked him how he had access to that and hung up and immediately called my XXXX XXXX XXXX branch and asked to have my accounts closed which they did. I then went on my first trip to XXXX! I then received two letters from Barclays dated XXXX XX/XX/2021 denying my fraud claims. One of the letters mentions that the claim involved charges of XXXX from Various merchants. It said that they had completed an investigation and found that the activity was valid. I got all of my mail that had been held while I was in XXXX on XX/XX/XXXX and read the letters and then opened my credit card bill from Barclays to see what they were talking about. I immediately called Barclays and asked how they could do an investigation without ever contacting me. They said that I had been called. I was in XXXX from XX/XX/XXXX to XXXX and did not get a call while there. I am the only person who has access to my cel phone. They said that they had reviewed my account and that the activity was consistent with my previous activity. These charges are more than I have in savings and checking accounts totalled. i am XXXX years old. I the informed Barclays about the two charges they authorized at XXXX. I have used remitly to send funds to XXXX on XXXX occasions between XX/XX/XXXX and XX/XX/XXXX always to the same person XXXX and between XXXX and XXXX so how did two transfers of XXXX each XXXX XX/XX/XXXX and XXXX appear to be consistent? I have called Barclays three times in the last week to add to the info I had given to them on XX/XX/XXXX or XX/XX/XXXX and the first thing asked is if I want to activate my new credit card. I do not have a new credit card but their automated answering service insists that I do. I finally get directed to the fraud division and am told that their systems are being upgraded and they can not bring up my info so please call back. I can not afford these charges and did not authorize them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
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 service provided by XXXX XXXX XXXX XXXX XXXX for {$400.00}, in which I originally paid by check ( XX/XX/XXXX ). Unfortunately, I forgot to move the money over prior to and after reaching the merchant, paid the fee on my credit card ( XX/XX/XXXX ). The merchant turned around and cashed the check ( XX/XX/XXXX ). The merchant say that they would reverse the credit card charge ( XXXX ), but didn't. I contacted Barclay online and filed a dispute ( XXXX? ). Their online dispute didn't accept the format ( pdf ) that the supporting documents were in, so by the time I was able to get them converted, the online dispute was closed. It also would not let me add the file online. After calling Barclay, the only option was to mail it ( XX/XX/XXXX? ). I mailed the supporting documents to them. I contacted them ( XX/XX/XXXX ) after receiving a letter ( XX/XX/XXXX ) saying they denied the dispute because they didn't have supporting documentation. They said that they just received the documentation and would investigate my dispute. A couple of weeks later, no record of the adjustment had been made. My documents showed the money coming out of my checking account after I had paid the merchant by credit card. It also showed the attempt by the merchant to cash it prior to the credit card payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I originally called on XX/XX/XXXX to request a new card for my husband, as his was worn out. I saw when I called that there was a charge on my account for {$200.00} from a store that I have no knowledge of. I told them that when I called that this was not my charge. She then said she would turn this into security and issue me a new card and send my husband his duplicate. I could NOT access my account online after this phone call was made. I then received a new card in the mail to me, not my husband. My card was the same card that had the fraudulent charge on it. So I couldnt use this card. And no card for my husband. I called again, only this time it took hours to get thru to someone at night on a Saturday night.. she promised she would overnight my cards to me on Monday so that we would receive on Tuesday. I did in fact get the cards, but I couldnt go online to activate, nor access my account in any way. I called again and again and again and the phone either doesnt answer or you get put on eternal hold and Im talking over 2 hours on hold. So of course you give up. My husband then called once again and nothing could be resolved. So then I write them a letter, because I cant get online to complain and still nothing. That letter was sent on XX/XX/XXXX. During this time, I repeatedly would try to call and get resolved, and still nothing. So then my husband called once again on XX/XX/XXXX to resolve and was on the phone for 2 hours and 30 minutes and still no resolve to the issue. We did get the last 2 months statements sent to us via email on XX/XX/XXXX, but can not pay online nor access my accounts. We paid the minimum due over the phone, because we cant see what has been charged since XX/XX/XXXX. On the statement they emailed, it still shows the fraudulent charge, with no credit or anything done on that. Then we also made some travel charges that we can use our points for, but we cant because we can not get online. I have requested by phone over 3 weeks ago to send me my bills in the mail, which they didnt do. We have over $ XXXX points that we would like to use for travel charges, but they wont let me online. They dont answer the phone, when they do, they put you on hold forever and NOTHING gets resolved. They are holding my points and my account hostage with no access to whats been charged, and wont let me online, they wont apply my points to hotel charges, its a complete and total disaster. NOT ONE PERSON HAS HELPED and we are going on 6 weeks of phone call after phone call, numerous hours of empty promises and I understand and am so sorry. Over and over and over again. This company should be shut down. These points are the sole reason we used this card. And its like they are stealing {$2300.00} out of my pocket. Ive saved these points for years and now they wont let me use them or access my account. Ive written to the XXXX XXXX XXXX and my state attorney general now you. This is beyond my comprehension that this company gets away with this with no avenues for the customer to get their bills, see what was charged, refund the charges of fraud and wont let me use my points. This should be against the law for this company to be open. I sincerely hope you can help me with this, as we are absolutely exhausted all efforts with Barclays
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I had a credit card with Barclay 's Bank Delaware in XXXX, during that time I got XXXX and my wife at the time didn't take care of the responsibilities. The account was closed in XXXX and the balance charged off was {$1400.00}, but I'm being charged {$1900.00}. I recently lost my XXXX XXXX because of this negative mark on my credit report, I've been trying to contact the company for the last 4 days and some foreign guy always answers the phone after me being on hold for almost an hour and then he is no help. I wanted to try to pay off the account and get some conformation, but he refuses to take a payment over the phone and refuses to give me any documentation about trying to correct the issue.He puts me on hold again and says he will transfer me, but I only sit on hold again for another hour just to be transferred again. I'm trying to get this issue resolved ASAP, but I cant get any assistance from this company.
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: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
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 responded to an ad on XXXX for Paddle Boards, using my XXXX Visa as payment. When the items did not arrive as stated in the ad, I disputed the charge to my XXXX account, on XX/XX/2021. XXXX issued a credit. On XX/XX/2021, XXXX rebilled the disputed amount, without explanation, and without evidence to support the rebill. I contacted XXXX by written correspondence on XX/XX/2021. XXXX rejected my written dispute, saying my dispute was outside the dispute time period. XXXX declined to provide evidence supporting their decision for rebilling the disputed amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A