Date Received: 2021-09-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Dear Barclays Bank Delaware Please reinstate my Credit Card and my Line of Credit. The Account was improperly terminated. I have repeatedly asked to place this card on auto pay. You have my XXXX XXXX XXXX account on file and you know my credit history is excellent. I am XXXX years old. On or about XX/XX/XXXX I contracted XXXX XXXX [ this fact is not in dispute ] On or about XX/XX/XXXX i paid my bill. I also asked to be provide with a CC that did not have an annual fee since i was not going to be able to redeem my numerous miles that i accumulated. I was denied another path. So I was paying for benefits that i was not receiving. There was a dispute as to what happened to my miles. I had about a XXXX XXXX miles and XXXX free air fairs that were denied me. I already paid the Fee for the Frontier card for the year XXXXand thereafter my Credit card was wrongfully and without notice terminated My CC was terminated without notice sometimes around XX/XX/XXXX Contrary to Federal and NYS police, I I was not provide the option or address to make a complaint and dispute in writing by any of your representatives XXXX except the last. FCRA Credit Bureau, Disputes XXXX XXXX XXXX XXXX XXXX XXXX Another credit line was terminated in XXXX. I would like it reinstated as well No notice was given pertaining to the Termination of my two credit lines. credit card companies are required to give any notice. Although the Credit Card Act of 2009 says creditors must give customers 45 days ' notice of major changes to the terms of their accounts, courts have decided that a card cancellation caused by inactivity doesnt count. I would like all the miles i earned to be posted. I have used the card for business since the inception. I attempted to redeem my miles and was denied and mocked for asking in XXXX of XXXX I would also like my free tickets for XXXX. I could not use them because of Covid. I paid for them in my yearly fees for the CC. I would also like my free tickets for XXXX. I could not use them because of Covid. I paid for them in my yearly fees for the CC. I protest that this conduct is defiant to NYS and Federal Laws. As the world continues to cope with the impacts of the COVID-19 crisis, federal and state governments are offering relief and resources to Americans affected by the pandemic. In addition, many businesses and financial institutions are stepping up to provide some relief to those who are worried about their financial security. I would like my Credit rating restored : Lenders as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. Your closing of my two accounts did cause my Credit score to go down. In hereby emply XXXX support of the CARES Act urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation. I am in medical financial distress from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11772
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: JetBlue XXXX XXXX XXXX Mastercard by Barclays Bank XX/XX/2021 : I was booking a ticket on Jet Blue when this ad popped up stating that I get {$150.00} off the price of the airline ticket if I clicked on the " apply for credit card '' - I did, got a message that my credit card was approved, but the system timed out and I couldn't book the ticket. A week later I got the card - and when i read the instructions it had {$99.00} annual fee -- which was not mentioned when the ad popped up. Around XX/XX/2021 : I did not activate the card and simply returned the card ( cut in half ) for it to be canceled. On XX/XX/XXXX, I got a letter from Barclays that I owe them {$99.00} -- which is absolutely uncalled for since ( a ) the annual fee was never advertised, ( b ) the reason for clicking on it was to get the {$150.00} instant off on the airline ticket, and ( c ) I didn't even activate the card the moment i read the terms and conditions and returned it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
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: Dispute Barclays Bank Jet Blue credit card charges related to Perfect Body Image on XX/XX/XXXX {$5000.00} and XX/XX/XXXX {$5000.00}. Per Barclays My case numbers XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) The basis of my dispute is that the company egregiously mispresented the services that I would be receiving. My partner and I were told we were going to receive lase based services, while it subsequently found out after the advance payment was made and partial services were provided that the services were actually XXXX XXXX which we told the saleswomen prior to signing the agreement and paying we were not interested in. Barclays Bank had closed my initial dispute in favor of the merchant solely on the merchant providing a sales agreement, which I informed Barclays was based on misrepresented services. I sent my dispute on XX/XX/XXXX and dispute credit was posted to my account on XX/XX/XXXX. Without notification Barclays reversed the chargeback on XX/XX/XXXX and posted the original charges back to account. I requested via a letter on XX/XX/XXXX that my original dispute be reopened and provided additional support for my claim that the merchant misrepresented its services to us ( a 3rd party complaint that had a very similar experience ). Barclays Dispute Center per a letter date XX/XX/XXXX received XX/XX/XXXX denied my by request to reopen my dispute or submit to it MasterCard arbitration, which effectively eliminated my ability to further negotiate a settlement or have MasterCard arbitration consider my dispute. Barclay managers have stated that unless I have on merchant letterhead that it essentially misrepresented and lied about it services, in order to get me to sign the agreement and prepay for the services. Without this proof they would not take the time or incur the costs to have it submitted to arbitration. I believe this requirement is unrealistic and in reality is unattainable. However, Barclays said that it is the threshold required by MasterCard guidelines, which I do not know to be fact. My complaints with Barclays include : I believe Barclays breached its fiduciary responsible to protect me the cardholder from charges stemming from misrepresentation/lies. I believe my complaint should have been enough to have the dispute closed in my favor. I then provided a 3rd party complaint, which should have at least resulted in : my case to be reopened, consider negotiating a partial settlement, especially since less than half of the services were provided prior to us discovering we were subject to a bait and switch tactic to sign and prepay for the services or submitted to arbitration being that could not properly address this claim due to either incompetence or self-imposed guidelines. Due to Barclays effective refusal to further support me regarding the egregious misrepresentation and lies regarding my dispute with this merchant, I am now having to sue the merchant in XXXX XXXX XXXX XXXX XXXX XXXX, NY on XX/XX/XXXX, with a cap of {$5000.00} and requested the dispute be reinstated on my account pending the result of the case. Dispute department personnel originally told me that by doing so, they could put a chargeback on my account pending the outcome of the case. However, after I followed the directions to submit the same, Barclays refused to reopen the case to issue the chargeback and said will not do anything further. These following issues may be breaches in the credit agreement terms or state guidelines : I had asked Barclays more than once for a copy of what the merchant submitted in response to my dispute, including the sales agreement ( as mine is illegible and the Company was unwilling to provide a clean copy ), which is its stated policy. I never received any documentation. I was also told I would receive notifications for any decisions made. I did not, I only found out the dispute reversed in the merchant favor and the case closed after receiving emails that my account was over the limit, as a result of charges being restated. This dispute also lagged over several month and may have not exceeded established guidelines that may have further impacted the outcome, which I would also like reviewed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclays bank had a computer issue that did not process scheduled " repeat payments '' and then charged the consumer a late fee and interest charges. This was not completed without talking to the company to correct the issue. I was on a repeat schedule on the XXXX of every month of {$100.00}, they failed to process it ( on XX/XX/21 ) and was charged fees {$29.00} & {$1.00} on the XXXX. During my phone call with Barclays I authorized the payment for the normal amount of {$100.00}. They fraudulently charged a second payment of {$100.00} on XX/XX/21 and are not willing to send refund to me at this point. I am being told this could take up to two ( 2 ) months to receive the payment back to m. his could cause secondary issues with paying my other bills causing late payments or " refused/denied '' payments from my bank for other bills such at housing and transportation. Barclays continued to disagree with my statements that their charge of the second {$100.00} on XX/XX/21 was unauthorized and therefore fraudulent. They refused to help and continued to state that their protocol was to take this " normal '' amount to time to resolve the issue, which I completely disagreed with and again requested my reimbursement to be received no later than Tues XX/XX/21.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Barclays continues to share my account information with an unauthorized person. I have attempted to contacted Barclays on many occasions by phone and they either never answer or they place me on hold for hours. I have written them and previously filed a complaint with your offices. Nothing seems to work. Please help. My correct phone number is XXXX XXXX XXXX. My correct email address is XXXX. My mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Iowa XXXX XXXX Barclays previous wrote me denying my request to change my phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 51104
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays is still reporting a closed account to XXXX. This account was never delinquent. This account does not appear on the other 2 credit bureaus ( XXXX or XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want them to be removed from my credit. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 4. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 5. Identity Theft XXXX CARD Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I had a credit card with Barclay 's Frontier Airlines that was unfortunately closed and charged off due to my being unemployed for several months. Barclays sold that account to XXXX XXXX. I paid XXXX XXXX and settled the drbt in XX/XX/2021. XXXX XXXX 's policy is pay for deletion, which they have done, however Barclays is continuing to report that debt to being currently theirs to all 3 credit bureaus. I have disputed and submitted the paid in full letters to all three credit bureaus and Barclays, but Barclays refuses to update and correct the information. Because of this inaccurate reporting from Barclays, my credit scores have dropped over 100 points. I have worked hard to save money to pay off my debts and save money to purchase a home. Because of this Inaccurate reporting I can not do so at this time. I need this information that it causing severe damage to my credit worthiness corrected an removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on BARCLAYSBK with Account XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A