Date Received: 2023-12-16
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: XXXX XXXX replied that I have signed the service contract XX/XX/2023. I contested that it was a voidable contract to the most : a ) XXXX XXXX never informed me orally that the dentist was out-of-network, b ) nor included in the contract the fact that the fee charged will be {$2800.00} ( {$1800.00} more than I would be charge from an in-network dentist based on a reply from XXXX XXXX in a follow-up inquiry ) , c ) XXXX XXXX misrepresented the service contract for excluding the description of an out-of-network service- and demanded an extra {$1800.00}. Barclays Credit Card sided with XXXX XXXX ( Barclays did not admit/accept my argument of the misrepresentation of the service contract presented by XXXX XXXX ) Barclays Bank DE XXXX Case ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I used a Barclaycard 0 % interest convenience check to pay off a balance from my XXXX card. I followed all the rules regarding the offer, however Barclay 's charged {$230.00} balance transfer fee, and then charged {$370.00} in interest charges. The offer was 0 % interest until XX/XX/. Barclay 's refused to refund me the interest charged plus the 4 % balance transfer fee I was assessed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Mastercard XXXX XXXX XXXX credit card for several years and always have paid the monthly balance in full. Recently, I agreed to transfer {$6500.00} to their 0 % promotional line of credit at a {$260.00} fee and I continued to use this card for other purchases. In XXXX, my credit card statement showed an interest charge on new purchases. I called to tell Mastercard that I paid in full all new purchases as I have done for several months. They initially say there's interest charge because of new purchases are accuring interest at time of posting the charge which never happened in the past ( but they ignore that fact ). When I speak with the supervisor, they say the interest charge is due to not paying 2 consecutive months payments in full up to that date of payment. So now I'm told in order to avoid a monthly interest charge on new purchases, I have to pay my monthly new purchases balance listed on my credit card statement as I always do PLUS I have to call them to get my current balance of new purchases as of today and include that amount on my payment. If I pay that total balance two months consecutively, then they will not continue to charge a monthly interest charge on my non-promo balance. I've called 3 months in a row to get this resolved. I even spoke with a supervisor and said if I pay x this month, then next month you will not charge interest, she said yes but I was still charged interest the next billing cycle. I'm frustrated with this operation and have only experienced this issue after signing onto the 0 % promotional interest rate. Although, I look closely at my monthly expenses, I'm concerned if other people who have the promotional rate are being charged this new purchases monthly interest and not noticing plus I'd like to avoid making this monthly call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/, I went to Old Navy at the XXXX XXXX XXXX in XXXX New York ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX : XXXX. After purchasing some clothing, the clerk suggested I sign up for an Old Navyist Rewards Card. I did so, and was told that Id receive the card in the mail the following week. On XX/XX/2022, I received an email from Old Navy notifying me that my card ending in # XXXX had been activated. I was confused, as I had never received the card. I then received an email from Old Navy 4 days later stating that the activity on my account might be related to fraud. I immediately contacted Old Navy concerning the matter. Apparently, an individual or individuals in the State of Georgia had purchased merchandise totaling {$7500.00} on XX/XX/2022, the same day that I had received the email from Old Navy stating that my card ending in # XXXX had been activated. Following this incident of fraud, the XXXX XXXX XXXX XXXX sent a letter asking to collect the debt. Even after I explained it was fraud, they told me all they could do is lower the amount to pay. Since I refused, they told me there was nothing I could do I want to have this form fraud off of my name and be addressed ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a notice XXXX XXXX from Barclays of account been closed stating delinquency and revolving balances too high. There source of reference was a independent consumer reporting agency. Which credit reporting agency was not disclosed in the notice. This is also a violation of 15 U.S. Code 1681 ( a ) ( 4 ) a right to privacy and 15 U.S. Code 1681 ( a ) ( 2, disclosure of account information without my instructions. This adverse action of withholding my rights to credit is discrimination, Securities fraud, violation of the Equal Opportunity Credit & Consumer Credit Protection Acts, RICO Act violation, engaging in dishonest and fraudulent business dealing involving my Securities account. Please rescind my original credit application on record and all associated Securities collateral. I will file the following IRS and Treasury forms 1099-A, 1099-OID, FS 1048 and SF 95 for recoupment and file charges with the Securities Exchange Commission, for violation of 18 U.S. Code 1349. Section 10 ( b ) of the Securities Exchange Act of 1934, Material Misrepresentation or Omission. In reviewing the Barclays Form 424 ( b ) ( 5 ) prospectus, Indenture Trustee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that deals with debt securities it is in Barclays to close my account and refuse my tender to maintain the debt ( Receivables ). Receivables means all amounts shown on the servicers records as amounts payable by an obligor on any account from time to time, including amounts payable for XXXX XXXX XXXX XXXX XXXX XXXX Receivables that become Defaulted Receivables will cease to be included as Receivables as of the day on which they become Defaulted Receivables. For purposes of the FDIC Rule and GAAP, Receivables are financial assets ( XXXX XXXX I am aware you are trading my securities as a XXXX XXXX XXXX XXXX XXXX XXXX, with the indenture trustee as the nominee with XXXX XXXX XXXX with Barclays acting as the beneficial owner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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: ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING THE LETTER WAS DELIVERED I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX-XXXX made on XX/XX/2023 in the amount of {$390.00} XXXX submitted this dispute within XXXX days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING THE LETTER WAS DELIVERED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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 used my Barclays issued Priceline credit card to made a reservation for a one week stay at a XXXX XXXX XXXX in XXXX, SC. from XX/XX/2022 to XX/XX/2022. We arrived at the hotel but the night clerk wouldn't even let me speak to her to show her I had a reservation she just pointed to the NO VACANCIES sign hanging above the office window. So we left and found vacancy at another hotel and stayed there for that week. I tried to notified Priceline about what happened but they apparently didn't get my message. Barclays wrongly alleges I owe them {$400.00} for the week of XX/XX/2022 to XX/XX/2022, I don't owe them nothing because I never stayed at XXXX XXXX XXXX, I had spoken to several customer service representatives, account managers but I was getting no where, so after I lodged my first complaint with CFPB an executive assistant to the president at Barclays responded to my complaint letting me know they were looking into my complaint, so I emailed her an invoice sent to me by XXXX XXXX XXXX showing they charged my card for one night, a cancellation fee of {$54.00} as proof that the {$400.00} plus late fees and interests the are trying to make me pay are bogus charges. This person told me she had forwarded the XXXX XXXX XXXX invoice to the financial office at Barclays but as today nothing has been done to right this wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80915
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My wife and I have XXXX credit cards through Barclays and for the last 2 months we have sent check payments via USPS 12-15 days before the due date, but yet the didn't post the payments until after the due date, charged us a late fee, and even shut off our cards. After talking with them over the phone and explaining that we had mailed the checks with plenty of time for them to get there before the due date, they took off the late charges, and tried to get us to let them take their payments directly from our bank account. We have never had a late credit card payment before, and our credit score is in the high 700 's, but has come down from XXXX due to Barclays stalling our payments in order to place a late fee on our last 2 payments. 12-15 days in the mail should be plenty of time to get our mail and is plenty of time for all our other credit payments. Barclays is the only one we are having a problem with and it seems to me that they are deliberately delaying our payments in order to do away with paper payments and take money out of our bank account. They also tried to XXXX us out of our reward points from XXXX credit when they were XXXX and switched to Barclays and they were supposed to honor the accrued rewards from XXXX. We had to fight to get the rewards before they would apply them. When XXXX made the switch, Barclays automatically gave us a Travel Rewards card when we were supposed to get the option between that card and the Essential Rewards card which pays rewards for medicine and groceries that was much more useful for us. We had to fight to get our optional card. Not happy at all with the way Barclays is treating us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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/2023 a cash transfer for {$5000.00} was sent to a bank account. The date posted was for XX/XX/2023.The credit card company is stating that I said it was a valid transaction because the call generated from my phone number. They gave me the runaround transferring from person to person with everyone giving me a different answer. I did a police report and opened a identity theft case but they claim is not relevant. They did not want to take any of my documentation. I closed the account and warn anyone from opening an account with Barclays JetBlue credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to15 U.S. Code 1681a -Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history and utilization is illegalXXXXXXXX XXXX, and Barclays Bank Delaware have been reporting my transaction history since the opening of each account, to the credit agencies XXXX, XXXX, and XXXX, who then have been providing that information to everyone who has run my credit which is a violation of the FCRA. Please remove any reports of transaction/ utilization history from the credit reporting agencies, XXXX XXXX XXXX, and XXXX and update the report to reflect all accounts paid as agreed from this day forward.XXXX XXXX, and Barclays Bank Delaware , are all in violation for sharing this information. The Fair Credit Reporting Act 15 USC 1681 section 602 statesthat '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXXXXXX XXXX, Barclays Bank Delaware ( the financial institutions ) and the consumer reporting agencies, XXXX, XXXX and XXXX do not have my consent to furnish this information. I as the consumer have the right to make sure my private information isn't shared which is backed by15 USC 6801whichstates " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.Discover Bank and Barclays Bank Delaware are financial institutions under that title.15 USC 1681 section 604 a section 2statesthat " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' XXXX XXXX, Barclays Bank Delaware, XXXX, XXXX, and XXXX do not have my written consent to furnish this information via written or verbal consent. All consent to XXXX XXXX, Barclays Bank Delaware, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Barclays Bank Delaware, XXXX, XXXX and XXXX do not maintain reasonable procedures. All transaction history/ utilization are to be removed from the report and to no longer be reported. The reporting from the financial institutions XXXX XXXX and Barclays Bank Delaware on my report from here on out should be reported as Paid as agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A