Date Received: 2021-10-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX Barclay sued me for an outstanding credit card balance of {$2500.00}. 00 that had went to collection. Through my attorney and Barclay 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every 2 weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I believe Barclay did not report this account status in a timely fashion and as of today XX/XX/XXXX. The account status remains incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64015
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2021 on a XXXX flight from XXXX to XXXX I received from the flight attendant a promotional offer for a Jetblue Plus credit card offered by Barclays. The offer stated that I would receive XXXX points after spending {$1000.00} and paying the XXXX $ annual fee and then would receive another XXXX points after spending a total of {$6000.00} within 12 months of receiving my card. I thought that was a great offer and so I completed the application and returned it to the flight attendant. I then received my credit card from Barclays a few weeks later and began using the card. I encountered problems with Barclay linking my card to my XXXX account and had several discussions with Barclay representatives. In none of those conversations did Barclay reps tell me that the promotion I had signed up for had expired. Three months after receiving my card, and after spending the required {$6000.00}, I called Barclays to see when I would be receiving the additional {$50000.00} advertised in the promotional brochure I filled out on the plane on XX/XX/XXXX. During the call, the rep informed me that that promotion had expired on XX/XX/XXXX and I would not be receiving any additional points. I explained that the application I filled out on the plane on XX/XX/XXXX promised a total of XXXX miles and I expected that promise to be honored. I also asked why no one at Barclays informed me that the promotion I signed up for had expired when my application was approved on XX/XX/XXXX nor when I spoke with reps on several occasions after that to clear up the problem with linking accounts. The rep said there is nothing they can do unless I can produce the paper brochure I had received four months ago on the plane - a completely unreasonable request since I had received my actual credit card and had no reason to hold onto a paper brochure. I asked why they would need this in any event since the specific promotions tied to an application should be coded on the application I submitted to them. I got no response. I subsequently checked the internet and found out that even though the XXXX promotion had stopped being advertised in XXXX on the Barclay site that this promotion was still available for sign- up in flight - which is when I signed. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I feel sure that you have heard from others with this problem but I am unable to get any assistance from the companies involved after over XXXX hours of trying. Along with scores of other XXXX XXXX, my XXXX XXXX XXXX card was transferred to Barclay 's XXXX in XXXX. I received the new Barclay 's cards and when I tried to activate them I eventually determined that my birthday was incorrectly transferred. I am unable to access this account despite multiple " specialists '' hearing my problem. I want to pay off the transferred balance of {$260.00} and close the account. Nobody seems to want to help me at Barclay 's or XXXX and this balance will soon come past due, accrue finance charges and impact my XXXX XXXX. I have not had a late payment on any account in over XXXX years and this is infuriating as I know how difficult it is to change something on a credit report even if it was not the individual 's fault. Another concern about this is that after reading social media comments from others who have similar problems, most people think that not activating the card will close the account and solve the problem. This is a serious issue that is impacting hundreds if not thousands of people. I really do not know who else to turn to and I hope you can help.
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: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
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 placed an order with XXXX for {$140.00} with my XXXX XXXX account # XXXX on XX/XX/XXXX. Barclay card acquired XXXX card on XX/XX/XXXX and assigned new account number # XXXX to me. I was notified by Barclay that the former XXXX card can not be used for purchase after XX/XX/XXXX but it can be used for process refunds, and credits for refunds will be transferred to new Barclay Master card ending # XXXX. This {$140.00} order was a buy online pick up in store order which requires customer to pick up the order within 7 days. I did not pick up order in store within 7 days, the Bloomingdale 's store processed the refund on XX/XX/XXXX for {$140.00} to the same XXXX visa account # XXXX which I used for purchase. However, Barclay did not transferred this credit to my new Barclay XXXX account. I called Barclay customer service and dispute department on XX/XX/XXXX, after waited 1 and half hour on phone, the Barclay rep told me I can not dispute this charge until after XX/XX/XXXX since conversion from XXXX to Barclay is expected to complete on XX/XX/XXXX. I requested to speak to a manager, the rep told me a manager will call me back. I also contacted the merchant XXXX online customer service, the merchant told me that they had to process the refund to the same credit was it was used for purchase and it is Barclays responsibility to transfer the credit and refunds from XXXX card which they acquired to new Barclay account. On XX/XX/XXXX, Barclay manager XXXX called me and told me that he will forward this dispute case of {$140.00} to Barclay Dispute department so I dont need to pay. However, XXXX said Barclay Dispute department will not process it until XX/XX/XXXX when the conversation is complete. XXXX further said once the dispute is processed, Barclay dispute department will forward me the dispute case number and give me a credit to my statement. Today is XX/XX/XXXX, I still did not receive this credit of {$140.00} on Barclay XXXX account and Barclay did not contact me to provide any dispute case #. I tried to call again, but its only reached machine and long hold time. I also tried to file dispute online at Barclay website, but Barclay website says this type of dispute doesnt qualify for online filing!!! Please review attached email from XXXX confirming they processed refund and my order status on the merchants website indicated the order to total is {$0.00} and I didnt receive the merchandise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2021 I revived an email solicitation to apply for the Wyndham Rewards Earner card. The promotion stated that this was their " Best offer yet '' earn XXXX points after spending {$1000.00} in the first 90 days then XXXX after spending {$2000.00} in the first six month. I applied for the credit card under this promotion by clicking on the links in the email solicitation I received. On XX/XX/2021 I received any email stating " Congratulations! '' " Welcome to you new Wyndham Rewards Earner Card account '' I was approved for the new account. On XX/XX/2021 I received an email stating my card was active and ready to use. " Just a note to confirm we've activated your Wyndham Rewards Earner Card on XX/XX/2021 '' I have spent the required amounts to receive the bonus points promised but they were not showing up in my account, I have made over 20 calls to get this resolved no one has been able to get this fixed. At one point they asked me to fax them my documentation showing the promotion I applied for, I did so and still not response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: FROM THE DESK OF XXXX XXXX XX/XX/XXXX Credit Card Fraud Dept. Barclays BankXXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Credit Card ending XXXX XXXX XXXX SS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX To Whom it May Concern, Respectfully request that you reopen the credit card fraud investigation referenced above due to the following. Also submitting these documents to your CEO office and the Consumer Fraud Protection Bureau and XXXX. Initially reported card lost and not in my possession on XXXX XXXX after reviewing account. Disputed all charges from XXXX XXXX forward ( agent did not dispute all ) ( agent error ). ( {$2200.00} ) Card was fraudulently used for purchases from XXXX XXXX XXXX. Please note that there was not a Travel Notice placed on account. Your internal anti fraud monitoring should have flagged this activity as suspicious. Pattern of spending not inline with previous purchases as massage parlors, liquor stores, etc. Again anti fraud monitoring should have flagged this activity as suspicious at the least. Balance and frequency of spending as the card was only previously used for XXXX XXXX in the last year. Other than airline tickets I have never run a balance higher than maybe {$150.00}. Submitting documentation that proves that I was not in location where purchases were made. This includes commuter receipts for travel to and from work in New York as well as a trip to Alabama which includes XXXX, XXXX and restaurant expenses that indicate could not have made the referenced charges. Have requested a letter from my Corporate HR that will also prove I was in New York at work when these charges were fraudulently made. Additional proof and verification can be provided for additional spending during these dates for day to day expenses that would once again prove I was in New York and not in XXXX or Florida during these dates. Sincerely yours, XXXX XXXX XXXX XXXX XXXX # XXXX B BRIARWOOD, NY XXXX ( XXXX ) XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been a victim of Credit Card Fraud and it was not properly investigated. On XX/XX/21, I received a notification that there were two ( 2 ) transactions on my JetBlue Barclays Credit Card ending in XXXX, listed below : {$880.00} for JetBlue XXXX, Merchant Location XXXX, XXXX XXXX and {$940.00} for XXXX XXXX XXXX, Merchant Location XXXX, XXXX XXXX. Immediately I contacted JetBlue Barclays Credit Card Customer Service and advised that these transactions were not mine, that I did not authorize these transactions and that in XXXX XXXX XXXX, XXXX. I was assured that I would not be charged for these transactions and that card ending in XXXX had been cancelled and that I would be sent a new card to replace the same. I, then was informed that because I had a history with these Airlines that I was automatically responsible for these transactions. These weren't mine and were allowed to go through due to JetBlue 's negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up with Barclays Bank for an Uber Rewards credit card. As of XX/XX/2021, I have accumulated at least {$1000.00} in rewards, but I can neither access my rewards, nor use them to pay for my purchases. I contacted Barclays Bank to fix the problem, they referred me to Uber. I contacted Uber on XX/XX/2021 via their app. Uber responded that they are aware of the problem, " are working on it '' and would get back to me. All communications are through the Uber app, and there is no resolution in sight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
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/2021, my credit card wyndham rewards/visa, from BARCLAYS Bank was charged fraudulent with an amount of {$7500.00} as temporary authorization, balance transfer, that day I call to the customer service ( XXXX ) XXXX to report this, and replace new credit card. Them on XX/XX/2021 that charge was posted on my credit card account, in amount of {$7500.00} plus {$150.00} as balance transfer fee an total of {$7600.00}. Also, I call to Police Dept. and report this incident, in XXXX, XXXX XXXX, New York. From Barclays Bank, I receive new credit card and a letter let me know they investigating and may be, an resolution in 60 days. I did some investigation and found that transfer was made to XXXX XXXX in Ohio, Bank Routing Number XXXX, Checking Account ending in XXXX. The application was made as XXXX TO CK ACCT- XXXX XXXX Amount : {$7500.00} BALANCE TRANSFER FEE. Amount : {$150.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A