Date Received: 2021-09-30
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: Text of my XX/XX/XXXX letter to Card Services, XXXX XXXX XXXX, XXXX, DE XXXX [ XXXX Mastercard ] : I am writing about the fraudulent transaction referenced above. I have spoken by telephone with your customer service operation on at least six occasions. Twice I spoke with agents identified as members of the fraud unit. I was told that the referenced transaction was one of a series of fraudulent transactions posted to my account in a short time frame. Although I was assured that the transaction should have been credited along with the rest, and that it would be credited, you have not reversed the transaction and continue to charge me interest on it. The other suspicious transactions have been credited. Your representatives have told me that your failure to credit the transaction was an error. You have told me that your investigation determined that the transaction was invalid, like the others I have described. I relied on those assurances, but you have not made good on them. I am enclosing copies of two letters I received from you about this activity. In your letter dated XX/XX/XXXX, you told me that " the fraud investigation has been completed '' with a determination that I was not responsible for the activity. Curiously, you then sent a letter dated XX/XX/XXXX, which stated that " suspicious activity '' was " pending investigation. '' Your mis-handling of this matter is disturbing and could itself be viewed as fraudulent. If within 10 days of your receipt of this letter the disputed item is not credited, along the interest attributable to it, I intend to file a complaint with the Consumer Financial Protection Bureau, and with any other agency possessing jurisdiction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: 1. While on vacation at a Wyndham resort the latter part of XX/XX/XXXX, my husband and I were pressured into signing a contract with Wyndham at which time this credit card was offered. After a short period of time and within the grace period we rescinded this contract. On XX/XX/XXXX I called to cancel this credit card less than 2 weeks of opening this card thru this Wyndham Resort. There is record of my telephone call with Barclays. 2. Over a year later, on XX/XX/XXXX I learned of a charge on this credit card ( via email sent to my husband, not me ) from Wyndham Vacation Resorts of {$59.00} which later I learned was an annual fee of being a Rewards Member. I also learned this card was never cancelled but instead a hold was placed on the card. I asked again for this card to be canceled. 3. This card was destroyed and never used for any purchases. I do not know the account number nor have access to online. 4. I have been in contact with Wyndham Rewards and Barclays Credit Card numerous times without resolution. Again, I am learning Wyndham Rewards are still charging this Wyndham Barclays credit card this annual fee. Now, it has effected my credit score. I am in desperate need of your assistance. 5. Im unsure of how the amount past due is {$120.00} considering Ive been fighting this for 3 years now. It seems that in XXXX it was possibly cancelled but then 2 more years of fees has been added. Please see attached recent email I received from this company as well as he email I sent them in XXXX. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2021-10-07
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was charged twice from same company for same amount I have been trying to resolve this since XX/XX/XXXX. So obvious that I was charged XXXX twice on same day I closed my card followed all they said they have temporary credit then removed and I am Still charged twice XXXX. That is not Mine I am so frustrated getting no where
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
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: Purchased ink on XXXX was last purchase I made. Shortly after five fraudulent charges ( see attached letters dated XX/XX/21 and XX/XX/21 ) were made on XXXX on XX/XX/21 and posted on my credit card on XX/XX/21. Within two hours I contacted Barclays card services at ( XXXX ) XXXX and reported the fraudulent charges. Told them I did not authorize, purchase or receive anything. The company put a freeze on my account and reissued a new card to me. Sent me a letter on XX/XX/21 and XX/XX/21 stating that an investigations was performed and the charges were valid and put back on my account. Letters of dispute dated XX/XX/21 and XX/XX/21 ( attached ) were sent to Barclays card services. In both letters I told them that I had not authorized, purchased or received anything and that the charges were fraudulent the result of identity thief. The company keeps telling me that I made the charges I have not been able to change their minds and receive resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
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: Recently my XXXX XXXX VISA account was purchase by Barclays MasterCard which now holds all the records for the account. I believe they also have the authority to withdraw my monthly charges from my bank account. When I received my new Master Card XX/XX/2021, I activated it and visited their website to check on my account. I found that there were two recent charges made to my VISA account now showing on the new Master Card account from a merchant named XXXX XXXX : XX/XX/2021 - {$150.00} XX/XX/2021 - {$170.00} I attempted to contact the customer service number listed on the Barclays Mastercard, XXXX, the same day but was left on hold until the battery on my phone died, over 1 hour. Later the same day I found a way to lodge a dispute on their website which I did, but to date, have had no acknowledgement from them so I continued to try to reach them by phone but never got past their recording that a " relationship manager '' would be right with me. I was able to e-mail the merchant involved, XXXX, which immediately acknowledged my complaint, advised me that another charge had been made on the account on XX/XX/XXXX, for {$17000.00} and offered to refund the unauthorized charges if i could not get the credit card company to reverse them so I continued to attempt to make contact with Barclays Master Card on a daily basis. Finally on Saturday, XX/XX/XXXX, after holding for another 45 minutes, a relationship manager, XXXX, took my call. After reviewing my account, she seemed to understand which three charges were unauthorized and agreed to void the new Master Card account, open a new one dropping the fraudulent charges, adding three authorized charges, and send me a card for the new account. Received the new card on Monday, XX/XX/XXXX, but according to their website the unauthorized charges had not been dropped although the charge from XX/XX/XXXX, XXXX have been reversed. I have not activated the card. On XX/XX/XXXX, I receive a paper statement indicating that I must pay the {$570.00} dollar balance by XX/XX/XXXX. Of that total {$510.00} of the charges were unauthorized. Yesterday, using Barclays online service, I updated my claim regarding the unauthorized charges including the one from XX/XX/XXXX. I have still received no acknowledgment from the of either of the claims. While writing this claim I have been on hold with Barclays for another 45 minutes.
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: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My wife and I, after all this world Pandemic, went to XXXX XXXX and purchased a timeshare through a company called XXXX XXXX XXXX. They were asking for XXXX dllrs down-payment and since we didn't have that they offered us to apply for 2 separate Barclay 's RCI credit cards on the total amount of XXXX, XXXX dollars. My wife got approved for XXXX and I got approved for XXXX. We were told no late fees and no interest for one year. 2 weeks after we came back to XXXX XXXX CA, where we live, they charged our credit cards for the XXXX dollars but they needed us to activate the cards. So we called Barclay 's RCI, activated the cards, I verified there were no late fees or interest and that was confirmed to my wife and I. My first payment to them ( Barclay 's ) was suppose to be on XXXX, but I realized when I tried to log in into my Barclay 's account, there were 2 charges, one for a late fee of XXXX dllrs, and one for purchase interest for XXXX dllrs, I have tried calling and asking to get this fixed. XXXX XXXX ( XXXX XXXX ) said they can't do anything because all they did was provide me with the form and they sent the application to Barclay 's with my socials security and my wife 's social security and all the other personal info, they said they can't talk to Barclay 's because I'm the account holder not them but they assured me AGAIN AND AGAIN THAT THERE SHOULDN'T BE ANY FEES OF ANY KIND FOR THE FIRST YEAR. My wife does not work, she got let go during the Pandemic. I've already tried talking to everyone. I wan na pay what's fair and what was said and agreed to to my wife and I.
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: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/2021 : My husband tried to make an airline purchase online for a little over {$900.00} today. He received a text with a validation code ( twice ) which did not work. We received an email with a case # stating " As a security measure, we routinely monitor account activity to prevent fraudulent use of our customers accounts. During a recent review, we identified activity on your account that may be related to fraudulent usage and need you to verify this activity as soon as possible. '' I immediately called the phone number on the email ( XXXX ). I was put on hold and told it would take approximately 45 minutes for the fraud department to unlock our cards. Meanwhile I called the number on our card for customer service XXXX. I asked to speak to a supervisor, after begging for some time I spoke to " XXXX id # XXXX '' who said they are busy and the hold time is 2 hours and she could do NOTHING. I have now been on hold for over 2 hours. This is the only credit card I own. My husband used a different credit card that he has ( I am not linked to ) because the price of the airline ticket actually increased {$13.00} in that amount of time. We do not get points on the card he was forced to use to ensure the airline ticket was secured. I can not believe they are treating customers this way. We did not choose for them to lock our cards. We do not have any stipulations set on our credit card asking them to do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Wyndham XXXX and Barclays Bank On XX/XX/21 I went to activate my Barclays card and was sent to Security stayed on hold for 54 minutes. I called next day and 1 hour and 3 minutes later still on hold I can never reach anyone in the Security department to get this problem fixed. Soon a payment for my Wyndham XXXX account is going to be due it comes on this card its not going to go through because I can not get the card access. This is how Wyndham XXXX gets their payments each month this is what they insist on as far as getting their payment. So I have a card I cant use my credit is going to be ruined and theres nothing I can do about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied and got approved for a Barclay 's Uber Credit Card in 2018, but it has come to my attention that they are discontinuing the Credit card. I have not received guidance on how to cash out the rewards that I have accumulated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: RE : Dispute Barclay XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX I am writing this letter to let you know that I have disputed the information with XXXX XXXX and Barclay Bank remaining on my because it is outdated. I am requesting they be taken off my report because the First Dates of Delinquency on both the Barclay Bank ending in XXXX and XXXX XXXX account # XXXX XXXXXXXX XXXX are XXXX XXXX as shown on my XXXX, XXXX and XXXX reports dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ; this is correct The date of first delinquency was XXXX XX/XX/XXXX, which means the account should be removed XXXX XX/XX/XXXX. Yet all 3 bureaus All 3 bureaus are listing the date of first delinquency is XXXX XX/XX/XXXX which is incorrect, and tbureaus have the removal date for these accounts as XXXX XX/XX/XXXX which is incorrect ; the correct date of removal should show XXXX XX/XX/XXXX. I have requested and disputed this continuosly. But all 3 bureaus keep saying the dispute is settle although the date is wrong. I am requesting assistance in getting these accounts removed from my credit bureau reports based upon the first date of delinquency XXXX XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A