Date Received: 2021-09-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I enrolled in a Barclay 's XXXX XXXX XXXX promo where all purchases on card have 0 % interest made from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I called Barclays to confirm that I could turn off my auto pay and that each purchase I made I didn't owe anything until the 7th month, the rep agreed. I wanted to make sure there was no fine print I was missing. On XX/XX/XXXX, I got a voicemail asking me to call Barclays and called into their collections department, I have been a multi year customer with an XXXX credit score. I ended up being on the phone with for almost 2.5 hours, more then 90 minutes holding. XXXX the rep I spoke to told me I had a late fee for not making a minimum payment on my most recent Barclays statement. I explained I was under the promo and she told me the terms of the promo are that I must make minimum payment on the card each month for the 7 months of the promo. No where in the promo email they sent me does it say that. I escalated this issue the XXXX, a supervisor, fee was waived but only thing I could do was write a complaint letter for my file and I think he said it went to credit score companies. I spoke to 3 different people that night and offered to email them the promo but was told their systems don't allow that. I think its very unfair that Barclays can require a minimum monthly payment and not disclose it. It seems like they're trying to make money off the late fees from people who don't notice or that don't spend 2.5 hours on the phone to get a credit. I want to make sure the public is safeguarded and not taken advantage of like I was. Additionally, I made the minimum payment over the phone XX/XX/XXXX and XXXX alerted me XX/XX/XXXX that my {$75.00} charge to Barclays rejected ( I have a 5 figure credit line with them on card ) I'd appreciate any help you can provide. ( attached is snapshot of promo email, I can forward originals if helpful )
Company Response:
State: CA
Zip: 92054
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2020 and again on XX/XX/2020, my credit card was erroneously charged {$18.00} on each date. After writing to the credit card company, I received form letters stating my complaint was resolved in my favor and both times the {$18.00} charges were reversed. Again on XX/XX/2020, another erroneous charge of {$18.00} appeared on my statement and I sent another complaint on XX/XX/2020. I received the standard form letter ( dated XX/XX/2020 ) stating they will investigate and that they " will send me a letter detailing the results of our investigation '' and that my account would NOT be " subject to interest charges and you do not need to pay any portion of the disputed transaction ''. Except for the {$18.00} charges, every single month prior to the due date, I paid all balances in full. I made no purchases in XXXX and XXXX so I received neither a XXXX nor XXXX Statement nor a letter from them detailing their investigation results. I made a purchase on XX/XX/2020 and therefore received a XXXX statement which reflected that purchase, plus the XX/XX/2020 {$18.00} erroneous charge, plus numerous late fees, misc fees and interest fees equaling {$75.00}. I paid the purchased item immediately. After nine ( 9 ) monthly detailed letters to them, a phone call and nothing but lip service, the erroneous {$18.00} charge has grown to {$300.00} because of their monthly late fees, and all kinds of interest fees. In XXXX I did receive a form letter from them stating their charges were valid but DID NOT state why or the results of their investigation which in the past had proven erroneous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: To whom It may concern : I had a XXXX XXXX credit card several years with XXXX XXXX I recieved a mailed brochure on XX/XX/2021 with a phone number to reject changes before XX/XX/2021 with Barclays Bank. I called the phone number given by Barclays XXXX on XX/XX/2021 to reject changes. I also called XXXX XXXX and closed the XXXX credit card account on XX/XX/2021. I recieved a XXXX XXXX credit card today XX/XX/2021. This is after I rejected changes with Barclays bank and closing the account with XXXX XXXX This account should not have been opened at XXXX or the credit card mailed out by them. I want nothing to do with Barclays Bank or XXXX at this point. Can someone please figure out why Barclays is opening accounts, when I rejected all changes. Also after the XXXX XXXX credit account was closed on XX/XX/2021. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX Noticed my Credit Score/Rating was dropping. Since there was no reason, looked up the reason. Thousands of dollars were listed on Barclays XXXX XXXX XXXX when no purchase was made since XX/XX/XXXX. Tried to log into my Barclays online account using my login and password. My login would not work. 1st call on XX/XX/XXXX : Using the phone number on the back of my credit card, I phoned Barclays to find out what was happening to my account. Was told that the credit card I had was no longer valid. Told that another card was issued and that multiple charges were made in XXXX and XX/XX/XXXX, all fraudulent as I confirmed with them. Credit card that was issued by Barclays sometime in XXXX (? ) was not even in my possession at the time. Barclays stated that they would cancel that credit card and issue me another. When they told me where they were mailing it, it was the wrong mailing address. I had Barclays correct my mailing address so that it was the right one, one that I have had for over 20 years. 2nd call on XX/XX/XXXX : In looking up fraud charge handling and filing with XXXX , XXXX and XXXX I found the name XXXX XXXX XXXX and her address in WV. I again contacted Barclays where they told me that she was an authorized person on my Barclays credit card. I told them that there was never an authorized user on ANY of my credit cards, EVER. They told me that was the address they were using. Of course I told them to stop! 3rd call XX/XX/XXXX : Contact Barclays after I received a letter from them stating " We received your request to remove XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX Card account referened... This request has been processed... '' I tried to talk with the correct departments to let them know that I never gave permission for an authorized user of my credit card. I also told them that I with all that occured, it was Barclay 's own people who set up the fraud by issuing a brand new credit card, with a new credit card number and a new address without my knowledge or verification or communication that this had even happened. Now, the account and all the fraudulent charges are under review for " 60 to 90 days ''. I had absolutely no knowledge of Barclays even switching everything on my credit card nor can I even log in to my account online since someone changed all access information. Please help me as this sounds completely like an inside job at Barclays at this time. I still have not received my new credit card so that I can even get to a login and look at all the damage done by Barclay 's authorized person. Why did Barclay not tell me about this fraudulent authorized user when I called the first time? Something seems really suspicious and off with this entire situation and I am requesting someone else oversee Barclay 's process. Thank you for any assistance in this matter. As a side note, I will be cancelling this credit card once I can get back into my online account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This complaint is in regards to Barclays Jet Blue credit card. I am trying my best to lower my credit card balances and payoff my credit cards which of course would help my credit score. I had a XXXX credit line with this Barclays card and I was paying on time each month a little over the minimum. I only had a little over {$300.00} a available on this card. I paid a big sum over {$1000.00} on this card in hopes to work towards my goal of improving my credit score. Today, XXXX XXXX, I found out that they cut my credit in half to {$1000.00}. I did reach out to the company and all they told me is the reason they lowered my credit was due to my credit score. I dont feel this is honest and it seems very predatory and a way to keep my credit score low in order to maintain my high interest rates. The only solution the relationship credit manager gave was to apply for an increase on my credit line which would require a hard inquiry, which would cause more negative results on my credit. I really feel this should be illegal for credit card companies to try and find ways to cripple your financial efforts in increasing your credit score. The only action I took so far was to fully pay off the balance because I know closing this card would also effect me negatively. Thats my complaint. Thank you for any help in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have Barclays US credit card ( Uber cobrand Visa card ) that has been enrolled in autopay for full balance since inception. For the payment due XX/XX/2021, Barclays ' autopay system broke down and did not make the auto payment, and charged me a late fee as a result. I spoke to Barclays US and they confirmed that they have a computer problem in their autopay system, and that many cardholders who were supposed to have had their payments made automatically were not completed due to their own error. They said that all of these people have been charged late fees automatically by the computer and to get the fee reversed they would have to call in. I did call in and have the fee reversed, but clearly there are many people who are going to miss this erroneous fee, and late fees are reported to the credit bureaus which could impact some cardholders ' credit scores. This type of malfeasance is approaching the XXXX XXXX scandals and I believe the CFPB should fully investigate Barclays ' fraudulent late fee charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
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: Account status incorrect
Consumer Complaint: Currently I am paying on a Barclaycard Mastercard that was closed by Barclaycard even though I made my monthly payments. I called and told Barclaycard that I would be late on monthly payments because COVID 19 cut my work hours. I still made the miminum payments they were just a day late I believe in XXXX and XXXX. I told Barclaycard over the phone my payments would be late and since I made my payments every month could the late fees be exused because I paid my monthly minimum payments on time as always. However Barclaycard raised my minimum payments and is reporting my account delinquent to three credit reporting agencies XXXX, XXXX, and XXXX. I want Barclaycard to stop reporting this closed account as delinquent to the three major credit reporting agencies. I have a stellar credit reporting history this delinquent account will tarnish my credit reports and payment credit history. I will still pay the minimum monthly payments that I was paying before Barclaycard recklessly raised the minimum payments starting in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied to Barclays credit card and I am over qualified to be accepted but they denied me and said I had bad history with Barclay bank in which I never did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
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/23 I had some charges from XXXX I needed to dispute. So I disputed them all from that day but a charge for {$99.00} and {$49.00} somehow didnt get included in the initial dispute. So I called a few days later. The person I spoke to said they added those two disputes. Few days later still on there. I called. They said we are updating our systems and call back in a hour and they hung up. I called back a few days later and they said same thing but would be 1-2 days until they could take my call and they hung up. After that I called they AGAIN added those two disputes or so they said. I dont get how everything was that day from same place but its so hard for them credit me back {$99.00} and {$49.00}. I then saw I havnt been credited back so I called once again. The gentleman I spoke to kept getting the dispute amount wrong and kept putting me on hold. So after 30 mins going back and forth my call got disconnected. It shouldnt be this hard to get credit back since I was credited back everything else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Received an unsolicted Master Card from Barclay bank. After two dropped calls following a lengthy hold, I then held for over two hours with no one ever answering. No one responds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47630
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A