Date Received: 2021-10-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a Barclays Mastercard credit card with a small limit. Two months ago when I wanted to make a payment I was logged out of my account/ app and could subsequently not making any payment. Since then I have tried at least 20 times to phone to their customer service department. My average holding time is around 30-40 minutes. It is utterly impossible to reach any of their customer support people. Also, because I can not log into my account to do the payments, I have been reported as late payments which are completely messing up my credit score which will take me months to rectify. I have lodged complaints via Social Media using XXXX and they have been responsive and apologize, but did not offer additional help to get this resolved. How do I get in touch with a bank if the only way is through either their App chat functionality or email or call in to an utterly useless telephone customer service. This bank should not be in business. I have kept screenshots of my last calls as evidence what number I called and how long I was holding on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclayss Bank is reporting inaccurate information on my credit report. Barclays Bank Delaware supplied the 3 major credit bureau with inaccurate information about a 30 day late fees in XX/XX/2019. The late fee was removed and expunged from my account and I was refunded. There was an error on Barclays behalf and my account was corrected. I called customer service and they said that the late was removed in their system. I have disputed the error and reported this to Barclays but Barclays have failed to correct the credit reporting. Please remove and corrected the inaccurate information with all the bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to report that one of my financial instutues- Barclay US, has wrongfully submitted information to the credit bureaus that negatively impacted my credit score. Multiple attempts and proofs that this is not correct have been submitted to them but they have not changed their position. Background : I have been using my checking account ( XXXX XXXX XXXX XXXX XXXX XXXX ) to pay for one of my credit cards ( Barclay US ) the past few months. There was an issue back in XXXX, in which I submitted a payment as I always have ; For some reason, it came back as " UNABLE TO LOCATE EXTERNAL ''. I did not get any notification after this event so I did not check back until a month later, at which point Barclay has flagged that I had an ammount past due for 30 days+. This has resulted in a significant drop in my credit score. I tried to reach out to Barclay about why it could not locate XXXX for payment. I attempted to do so but the customer service could not give me a reason, and just kept telling me to give them the full routing and account number ( which I have already done in the past ). Barclay refused to change their standing with the credit bureau on this specific report after multiple attempts. I have proof that the amount was initiated via transactions in Barclay. I sent those to XXXX and they agreed that the issue seems to be a technical one from Barclay, and not from XXXX or from me not starting the transaction. The below portion is from XXXX, I could provide the full email I got from them : " Hello XXXX, Thank you for your reply! I contacted our ACH Department for you in regards to your inquiry, as they handle all incoming and outgoing ACH transfers, deposits, and payments, and can search transactions according to amount, date, and account number to see if they were received at XXXX, why they may have been rejected, and so forth. Thanks to you providing a screenshot of your Barclay Card showing your attempted payment to Barclay for {$36.00} on XX/XX/2021, our XXXX Department searched throughout the entire month of XX/XX/2021 for that amount, or any ACH transactions that were connected to your account. No transactions for {$36.00} were requested or received by XXXX XXXX XXXX XXXX whatsoever from Barclay to your account. Even if Barclay had entered in the wrong account number for you somehow ( despite all your previous transactions to Barclay in the past going through- they have used your correct MICR number in the past, so there is no reason for us to suspect they used the wrong routing or MICR number now as you did not change that information ), XXXX would still have received that request, and would be able to see if we had denied it as well. Since there was no record of this transaction request within our ACH Department at all, the payment request was most likely never actually sent by Barclay to XXXX. This conclusion is further supported by the fact that, according to the screenshot you provided, you initiated the payment to Barclay for {$36.00} on XX/XX/2021 where it says Payment Received, but then on the same day, XX/XX/2021, it says Unable to Locate External Account. XX/XX/2021 was a Saturday. As all ACH transactions must be sent from the original institution ( Barclay ) to the Federal Reserve before they are sent on to their receiving institution ( in this case, XXXX ), and the Federal Reserve is closed on Saturdays without exception, XXXX would not have even been able to send notice back to Barclay of any rejection or account not found until Monday XX/XX/2021 at the absolute earliest. The fact that you initiated a payment with Barclay on Saturday XX/XX/2021, and the payment was rejected on the very same day, means that it could not possibly have been sent to XXXX for review at all. While we can not speak on behalf of Barclay, our ACH Department suggested that Barclay could have had a system error at that time that caused the payment to never have been sent, or some similar issue. It may be worth inquiring about with Barclay. I do sympathize with you that this has happened, and I wish there was more on our end that we could do for you. At the very least, I am glad to be able to verify with our ACH Department that XXXX never received the payment request in the first place, and that as the payment request was both requested and denied by Barclay on Saturday XX/XX/2021, it would have been impossible for XXXX to have received the payment as the Federal Reserve was closed. Hopefully this confirmation assists you with any future conversations or inquiries you have with Barclay! '' I am hoping that you could help them realize that this technical issue causes an unfair reporting on my account. Please also take into account that they are aware that my use for their card is very minimal : thirty some dollars a month to keep the account open so I can maintain a healthy credit utilization ratio. I manage thousands of dollars of credit in my name every month and I manage them well. Thanks for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card with Barclay as a result of seeing it on the XXXX website, thinking it indicated XXXX endorsement. After a considerable amount of time ( several weeks ) when I never heard back from Barclay and reached out via phone I spoke with someone who gave identification as " XXXX '' - and ID " XXXX '' who referred me to a website that merely stated I had been turned down. I asked for the rationale and was told it would come via letter, and when I asked to speak to a supervisor, my request was turned down ( rudely ), and I was told those who are turned down can not speak with any other representative in the company. Having worked for more than 50 years, I found that unimaginable but my request was denied several times. In the intervening week since that encounter I still have not received " a letter '' indicating the reasoning, nor an email. I checked my credit status with XXXX and have exceptional credit rating, so I am extremely frustrated, confused and resentful that I shared extensive personal financial information during the application process and now have received an abrupt rebuff with no rationale nor individual with whom to speak. I reported all this to XXXX, received a case number ( XXXX ) from them and explained that I still have no information from either source of the problem. The representative from XXXX just repeated they have no information. I tried to reach out to the CEO of XXXX ( XXXX XXXX XXXX ) and have prepared a letter to be mailed because there is no phone number nor email listed for her on their website. and will mail a receipt- requested letter as soon as I can get to the post office pending covid considerations. Thank you for your assistance in this matter. I appreciate any help or guidance you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have had a Barclays Choice privileges visa card for several years now. The last 2 weeks I have been unable to access my account. It keeps coming up can not access for security reasons. I have tried for 2 weeks now to contact their costumer service by phone and e-mail. By phone over 10 hours listening to the same recording please wait for next available agent. I have never over the years had a problem getting through to resolve an issue. I tried to e-mail them 5 days ago and have got no reply. I got an e-mail from them today for my monthly statement. But I can not make a payment if I can not access my account. They may be having some kind of Tech. issues, but it would be nice if they could tell us that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Barclays XXXX Mastercard. After checking my statements I realized they charge me Interest Twice a month???? I tried talking to them on the phone. Also they charged me a returned payment fee because my payment didnt go through but i still made two payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: As consumer and creditor I submitted consumer credit application for financial product of Barclays via Application XXXX XXXX XXXX XXXX Mastercard and Application : XXXX JetBlue Mastercard. Company per 18 U.S. Code 1951 delayed processing application via 15 USC 1611 unfair, deceptive and discriminatory practice in violation of 42 USC 408a8 to compel disclosure via U.S. mail front and back of 15 U.S. Code 1693a ( 1 ) social security card despite right of refusal per 31 CFR 1.32 ( c ) in accordance to United States social security administration privacy and confidentiality agreement. Notice of cease and desist subjection to credit approval as unlawful conversion of 12 CFR 226.2 ( 14 ) secured right to credit via credit application against prohibit basis in good faith exercised any right under the Consumer Credit Protection Act. Barclays obtained consumer report from XXXX and has not provided 12 CFR 1002.2 open-end account for consumer credit upon request in accordance with completed consumer credit application and notary witness affidavit via US passport credit device. 15 USC 1602p unauthorized use of social security adminstration credit card number despite secured application per 15 USC 1692j. request documents have been attached despite unfair practice of Barclays to compel document in violation of personal right of privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: barclays XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I had an XXXX Visa card with XXXX XXXX. On XX/XX/2021 the account was changed over to Barclays Bank. On or about XX/XX/2021 I received a mailing from Barclays explaining the change from XXXX to Barclays. I never received a replacement card from Barclays. I attempted to call them twice during regular business hours, but never got to speak to anyone. I was on hold for a little over one hour each time. The automated menu had a selection for " lost or stolen card ''. After choosing that I was put on hold indefinitely. I have never received a statement from Barclays since the XX/XX/2021 change. They have my address. I had a recurring charge I had established through XXXX that I keep getting charged for. I don't know whether I am being charged for other charges. I do not know my credit card number with Barclays. I do not know what I am being charged for on my account. When visiting the Barclays website, I can not sign in. The site just wants me to activate my card. I don't have a card to activate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: When flying Frontier Airlines, they are offering a credit card with bonus miles. The offer was positioned as getting 60,000 bonus miles when you apply for a credit card with Barclays. Once you use the card for the first time, for any amount, you get the {$60000.00} bonus miles. When I received the card, I already had a balance of {$79.00}. It was an annual fee. This was not disclosed when the credit card offer was pitched to me. When I called Barclays to dispute, they said that in order to get 40,000 miles, I had to pay the annual fee and I had to spend an additional {$1500.00} to get the other 20,000 miles. Frontier and Barclays are pitching this offer in order to get people to apply for the card and misleading applicants in the process. You get pitched with " apply for the card, use it ONE time on any size purchase and get 60,000 bonus miles ''. But the reality is you get hit with an annual fee of {$79.00} upfront, you get 40,000 bonus miles and you have to spend another {$1500.00} in 6 months to get the other 20,000 miles. This is a misleading and predatory practice and should be investigated by the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A