Date Received: 2021-10-02
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/21, my wallet was stolen from me and the person went to XXXX and attempted to use all my credit cards to purchase {$200.00} worth of stuff. The only card the person was able to use was my Barclays credit card. I contacted Barclays about this and they dismissed my case as valid purchase when it was clearly fraud as I have location receipts/emails from where I was that day and from my other credit companies notifying me that it might be a fraudulent transaction. I have consistently called them as they put the {$200.00} charge back on my account and additionally put another {$200.00} charge with the same transaction number. Each time I have talked to a representative, they each give me a different answer and told me it will take 2 months to resolve and that I must pay the minimum payment or else it will further ruin my credit score. I am currently facing financial hardships and this is furthering the financial strain for me as it is even damaging my credit score. It has been over 4 months now and they have not sent me an email or letter in the mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a few inquiries that I see on my report that are fraudulent. I have contacted the creditors as well as the Bureaus and the creditors have no accounts with my social in their Data Base. The Bureaus are telling me I need a letter of deletion. The creditors are unwilling to provide these and I need these inquiries removed as they were not initiated by me. XXXX and XXXX will not cooperate XXXX was able to remove two of them that was reporting to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2021, XXXX XXXX Visa card services were changed to XXXX Barclays Master Card. Theoretically, all credits and debits and other information from a Visa card holder were transferred to the Master Card on that date. In fact, they were not. The regularly scheduled pay date for my Visa account was on the XX/XX/XXXX of each month whereupon it was drawn from XXXX XXXX account automatically on the XX/XX/XXXX. Apparently, because my regularly scheduled pay date occurred on the same date as date of the conversion of Visa card holders to Mastercard holders, it was not effected and recorded. Moreover, a XXXX XXXX product return in the amount of {$10.00} that occurred close to the XX/XX/XXXX was similarly not transferred from my Visa card to my Mastercard. Because those transactions ( and possibly others? ) were lost in the process of converting from Visa XXXX to Barclays Mastercard, Barclays automatically charged my new Mastercard account a late fee of {$29.00} and a Past Due fee of {$35.00}. When I tried to make a payment of {$5000.00} on my Mastercard account balance of {$6100.00}, the Barclay 's software responded that I could not make a payment for more than I owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Sir or Madam, I previously had a credit card ( cc ) with Barclays card. With that said, prior to XXXX of XXXX, I was never late on my payments. My payments were timely and when I asked for a credit increase, the request was granted. In XXXX of XXXX, I filed a dispute for a charge on my account that was posted in XXXX of XXXX. I continually disputed the fraudulent charges without success via emails and phone calls. In addition, the link on the website was not working and every time I spoke to employees about Barclays link not working, I never received any hard copies of the paperwork. Again, I continually asked for the documents to be sent to me via hard copy, but I never received, and I brought this to the attention of Barclayss card, and afterward, it was stated that the disputes were in review, and to date, no resolution. To date, there has been no resolution on the disputes, and Barclays has reported on my cc three reports being 90 days late, one 60 days late, and one 30 days late for the same event. My understanding is that there should only be one ding on my credit report due to this all being the disputed issue. I called Barclays cc and requested the late payment notices be removed from my credit report and utilize the pay to delete and after being on the phone with XXXX, Customer Service for over 50 minutes then transferred to XXXX XXXX, Escalation Specialist, for about eight mins, all five late reporting are still on my credit report. Again, I called Barclays card on XX/XX/XXXX to request the items to be removed, but they stated they do not do a pay to delete, therefore the late statements are still on my credit report. In addition, I paid for my cell phone bill w my cc, and one of the benefits of having the cc was that if a cell phone was broken or damaged, I would get reimbursed for the item, which I never did even after filing the claim two times. To date, there has been no positive resolution on this issue either. With all of that said, I did pay off the original balance of {$600.00} and when I did, I asked for a pay to delete, which was not honored by Barclays card. Ultimately, I would like for Barclays card to remove the late reports on my cc, honor the pay to delete and not have my payment listed as a settlement. Thank you, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I changed my address online on Monday. I was informed I could no longer access my account. I called to see what was going on and was told I had to send in documents to verify my identity. I sent my ID with my picture and a screenshot of my heating account with my name, address and account number. I talked to the rep while I did this. I move into my new apt on the XXXX of XXXX and there is no way I will have a bill before XXXX. I sent them what they had and described that to the agent. Ask for the call records I got an email saying I could log into my account and once I did that I was once again told it was locked. I called on Friday the 1st. The first time I was told they didn't know why. The second time I was told it was because security couldn't open an attachment. They all had the same file extension so if they could open one they can open all. They won't let you talk to a manager. I have tried. Attached are there documents sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
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 an XXXX XXXX credit card, administered by Barclay Bank. On this card, from XXXX - XXXX, 8 charges to XXXX were made, totaling {$1600.00}. I immediately called Barclays fraud number listed on their website, where the person told me to destroy my card and she would report it. She didnt. 3 weeks later, I called again, and had the same experience. 3 weeks later, I called again, and this time the lady actually reported it to the fraud Dept., but apparently only the last charge of {$13.00}. The fraud Dept., based upon all the other XXXX charges, denied there was any fraud. 2 weeks ago, I sent them a registered letter to the address provided on their denial, and included all of my XXXX charges, the list and details on all the charges, and pointed out again, Although I purchase a lot from XXXX, I have a dedicated XXXX XXXX card that is used for all of my purchases. I have bought nothing from XXXX on the Barclays card for at least the last three years. I have heard nothing back, except now I am getting dunning calls every day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX changed credit card companies from XXXX XXXX to XXXX XXXX XXXX. My XXXX was used to pay a monthly payment of {$14.00}, which I stopped with the XX/XX/2021 billing date. Barclay stated that the XXXX could no longer be used starting on XX/XX/2021. Barclay shows a charge of {$14.00}, dated XX/XX/2021, which was not authorized or made by the merchant. Payments from this merchant have been transferred to XXXX XXXX XXXX. I have spent over 10 hours trying to reach Barclay Customer Service and reach a relationship manager. This has proved impossible. There seems no way of reaching them, and I need assistance to resolve this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I requested a credit card promoted by XXXX XXXX called XXXX XXXX. I was approved and received the card. I sign up for online billing and once I tried setting up a payment method online I was locked out of the system and I am not able to retrieve any information. I have called numerous times and I have held for up to 2 hours and I can never get a hold of anyone. I don't know how much I owe and I need to pay the bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have been locked out of my Barclay US online account for two months. I have tried calling, contacting them on XXXX/social media, and have not been able to talk to a live person. Each time I call I am on hold for over an hour and a half before I am forced to give up. I have called the line 20 times in the past two months. I need to get through because I can not use my card because I am unable to see a balance or make payments until my account is unblocked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A