Date Received: 2021-09-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclay 's seems desperate to charge me improper fees. Since I had problems getting Barclays to timely post mailed payments, I started paying online. On the due date, I log in, select due date as payment date, and pay. But then they post the payment some other day. Why do they allow customer to select payment date if they're not going to XXXX honor it? When I select a particular payment date, I rely on their implicit assurance that they'll actually process my payment on that date. There is no disclaimer that says, oh, we may choose to process your payment on some other day and your selection is essentially meaningless. Anyhow, I logged in on XX/XX/XXXX -- the payment due date, I selected XX/XX/XXXX as my payment date, and I made a payment. They even sent me a confirmation email stating that I had made payment on XX/XX/XXXX. I noticed something funny when I logged in. Although it was still the due date, they had already charged me a {$39.00} late fee. What the XXXX is that? The day wasn't even over and they'd already charged me a fee that I did not yet owe. Today ( XX/XX/XXXX ), I received an email from them stating that my payment had been made XX/XX/XXXX. WHAT? That is false, I made the payment on XX/XX/XXXX. Please cause Barclays to : 1 ) Reverse the erroneous late fee. 2 ) Go back and post my payment on the correct date, the day it was made, XX/XX/XXXX. 3 ) Correct their aging so that NO LATE PAYMENTS are reflected in my account history. 4 ) Cease and desist their fraudulent practice of posting payments day ( s ) after customer makes online payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XXXX decided to move their credit card for XXXX/VISA to Barclays/Mastercard. I got a letter that looked like junk mail but opened it to find how to opt out prior to XX/XX/XXXX which I did. I was aware that my XXXX credit card would be closed as of XX/XX/XXXX. My XXXX account was moved to Barclays on XX/XX/XXXX even though I opted out. I didn't want a Mastercard and did not want to do business with Barclays. Barclays opened an account in my name without my authorization in fact I withdrew my consent for the conversion by following the procedure and opting out. I called XXXX and was told nobody could do anything until Monday, XX/XX/XXXX. I called Barclays and stayed on hold for more than 20 minutes and gave up because the reviews/posts on Barclays Bank US indicate that they do not answer. I feel like Barclays is opening accounts without people 's permission to make it look like they have more customers than they actually do similar to what XXXX was accused of and paid significant fines. I shredded the Barclays credit cards when I received them because I was told just don't activate them if I get them. XXXX and Barclays have violated my privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with XXXX XXXX, FXXXX XXXX XXXX XXXX, XXXX XXXX and BARCLAY continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Spoke to customer service today XX/XX/2021 to discuss Barclays decision to end the UBER VISA credit card product, which I currently have close to {$50.00} in unredeemed rewards and may be forced to lose them. Facts : 1 ) BARCLAYS BANK has made the decision to end UBER VISA credit card product ( https : //onemileatatime.com/news/uber-credit-card-discontinued/ ) 2 ) I have earned {$50.00} in " UBER CASH '' rewards for my account ending XXXX UBER VISA CARD. 3 ) I DO NOT ACCEPT my account being transitioned to a different credit card product that is not UBER VISA. Which BARCLAYS BANK is forcing me to do in order to obtain my {$50.00} rewards. Given that BARCLAYS BANK has made a decision to close/discontinue my credit card product where I have already earned rewards of {$50.00} and pending rewards for this current month. BARCLAYS BANK should NOT force me to transition to a new credit card product with subpar benefits much less than my original UBER VISA product benefits ( cashback categories, etc ). I do not accept the terms forced upon me by BARCLAYS BANK decision to terminate my current credit card product - or give up my rights to my earned rewards of $ XXXX - I have explicitly requested BARCLAYS BANK to " cash me out '' on my rewards and close the account at the end of the billing cycle - while moving my {$11000.00} revolving credit line to my other barclays account AAdvantage Aviator ending in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
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: This card was LOCKED on XX/XX/21, and has NEVER been unlocked since. On XX/XX/21 - 2 pending charges for XXXX/ea appeared from XXXX XXXX. I called Barclay on XXXX ( XXXX was a holiday ) when the charges were still pending. I was told by the rep that she could see from her side the 1st charge was declined and would fall off. She could not tell at that time if the second charge was or would also declined but stated it should be since the card was locked. She said if the charge went thru to call back and my account would be credited. The first charge did fall off but the second went thru and I called back on XX/XX/21 after it said processed. I was shuffled around from dept to dept as they all passed the buck on whos problem it was and who could issue the credit because " customer service doesn't have that ability. '' WOW- really? I have had a rep, a supervisor and others confirm the card was locked XX/XX/21, that the charge should have been denied and that I would get a credit from Barclay. A supervisor even stated more than once ( on a recorded line ) that this was a Barclay mistake not a merchant mistake. I was told more than once by multiple people I would get a credit for the XXXX. This still has not happened. I was also told I would get a phone call and/or email from the last gentleman who was also supposed to be a supervisor. Nothing to date. I called back in today XX/XX/21 to check on the situation and was put right back into the pass the buck blame game on other departments. The entire point of locking a card is so that NO new charges come thru. This was not a recurring or subscription charge that is exempt from the locked status. Barclay need to take responsibility for their mistake and issue the credit for {$32.00} and stop trying to give any excuse possible for their glitch, wrong algorithm or whatever caused this mistake on their end. I just want them to do what they have repeatedly said they would and issue the credit I am due. Feel free to pull up the recordings from each time I have called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21158
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On or about XX/XX/XXXX, I applied for a Barclays Bank USA credit card. I currently have one Barclays credit card that I have had for approximately 9 years without any issues whatsoever. This card was opened using the exact same address and personal identification as the one I applied for on XX/XX/XXXX. Shortly after submitting my application, Barclays mailed me a letter asking for a copy of my driver license, Social Security card and proof of address. Since I am currently with my husband who is on XXXX XXXX with the XXXX XXXX XXXX, I tried to get a fax number to which I could send the requested documents. After an extraordinarily difficult attempt, I was finally given a fax number and I promptly faxed all the documents requested. Well after successfully faxing the documents, I received yet another letter requesting the same documents. I faxed them successfully yet again. On or about XX/XX/XXXX, I received yet another letter from Barclays that contained my application ID # XXXX and stated I needed to call to help them verify information on my application. I recently had major XXXX XXXX and am currently XXXX. The letter from Barclays specifically stated a TTY number that could be used for those with XXXX issues. I used the XXXX XXXX XXXX service to call the number Barclays listed and the number is broke. The number when answered demands a credit cad number, but this is not abut an existing account. After not entering a credit card number, the system then offers ONLY two other options : 1 ) Report a lost or stolen card. Since this issue in no way pertains to a lost or stolen card, I could not select that. The only other option available is 2 ) Check the status of a current application. Selecting that option only states that their automated system can not provide a status update and says I must check online or wait for a letter in the mail. It then promptly hangs up. I called the other number listed on the Barclays letter that is not a TTY number. Since I am not able to speak, my husband spoke with the representative and they basically stated I needed to call them myself after my XXXX passes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97008
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2020 I called Barclays to defer my payment, which they approved my request. To my surprise in XX/XX/2020 I realized they had reported my account 30 days late for XXXX XXXX. I called them to correct their mistake but they werent willing to help. XX/XX/2020 I decided not to continue to do business with Barclays, paid off my account in full and closed it. I had that account 1 year and never missed a payment. I called requesting to defer my payment as I work in the travel industry and due to Covid -19. I was not certain what will happen with my job. Please help me correct this unfortunate situation as Barclays are not being responsible for the lack in service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
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 trying for 2 months to have 2 fraudulent charges removed from my account. Both charges occurred on XX/XX/XXXX. Both charges were to the same vendor. Both charges were for {$1100.00} to a vendor called OMI ( total of {$2300.00} ) I have called the credit card company at least 15 times. I have faxed documentation and have had the documentation acknowledged as received. I have been told the charges will be removed. As of today the charges are still on my card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Summer of 2020 i did not receive a statement from a credit card company for XXXX informed the card company they refunded the missed payment fee but reported the missed payment to the credit bureau subsequently my credit rating went from XXXX to XXXX and to this date is only XXXX this was during the height of covid the bank was barkley
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : XXXX XXXX XXXX, BRSCLYSBANKDE, and XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A