Date Received: 2023-12-13
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I logged in to pay my monthly bill to my Barclays View card ... which I rarely use. I was taken back by the large Balance of over 12 thousand dollars. There were 4 total transactions. 1. Balance transfer to XXXX XXXX for {$7400.00} ( Wednesday, XX/XX/ ) 2. Balance transfer to XXXX XXXX for {$4400.00} ( Thursday, XX/XX/ XXXX XXXX ) 3. Balance Transfer Fee {$220.00} ( Thursday, XX/XX/XXXX ) 4. Balance Transfer Fee {$220.00} ( Thursday, XX/XX/ ) I immediately called to report the fraud. They assured me it would come off my account and they would investigate. The fraud did not come off the card... I had to keep calling. The 3rd or 4th time I called ( but this time with some assertion ) they finally removed the charges and apologized for their new system that was having problems and the complaint didn't go through. I asked if they could provide me with a name or any information of who this transfer went through to. They could provide me with nothing and said their fraud department would handle it. To note : I never received any emails about a balance transfer. I never received any physical mail about any balance transfers. I've done balance transfers in the past and I always receive some information. These charges just randomly appeared on my account out of nowhere and there is no documentation to be found about it. Fast forward to today ( XXXX ) : I got a letter that concluded that " the activity was valid based on my credit report where the balance transfer was sent. '' So, they reinstated the giant balance and transfer fees. I called today as well ( XX/XX/XXXX ) : I stated my issues with these findings and demanded more information. I demanded they let me know the name of the person who received my money. They could not provide that ... All they can provide is the last 4 digits of the credit card to whom received my money via balance transfer. The card digits do not match any of my cards or my wife 's. I even went into my credit report to make sure my identity wasn't stolen, and someone didn't open a card in my name with those last 4 digits. There was almost no information they could provide me with. I find this infuriating considering if they claim I set up this balance transfer, they should be able to provide me with all the information that I would have had to supply them with to make the balance transfer possible ... including the name of the person that received the balance transfer or proof of mail that was sent out to inform me that a transfer even took place. The only step the fraud dept representative could take was to start a " reassertion case, '' because I refused to accept the findings. He also informed me that I need to send a formal letter to the fraud dept with any information I can provide to help my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34231
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 DELIVERY OF THE LETTER 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 made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 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 DELIVERY OF THE LETTER
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: 2023-12-12
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: I sent a letter via US mail on or about XX/XX/XXXX to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXXXX XXXXXXXX made on XX/XX/XXXX in the amount of {$190.00} I submitted this dispute within 30 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. UPDATE : PLEASE SEE ATTACHED PROOF OF USPS TRACKING INFORMATION SHOWING DELIVERY FOR THIS LETTER
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: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
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: 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 XXXX on XX/XX/2023 in the amount of {$250.00} XXXX submitted this dispute within 30 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. UPDATE : ATTACHED IS THE USPS TRACKING INFORMATION SHOWING DELIVERY OF THIS LETTER
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: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
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: I filed a complaint with you guys... complaint # XXXX and Barclays got you guys to complete and close the case by submitting a response to you and than mailed me a different response... it was a letter stating they were closing the dispute and it was addressed to me, about a dispute from XX/XX/22 for a company I have never done business with- '' XXXX XXXX XXXX and an amount that was XXXX and my dispute is for XXXX XXXX. When you call Barclays about all this ... .yet again... XXXX.you cant hardly understand the people and its just one big repeating themselves of the same that they say each time... ..please reopen case or stat a new one for this dispute. I have attached the letter that has nothing to do w/me or my statements ... .ever w/Barclays. This letter is also a complete different response they said to you, to get you to close the case... .per your advice, I have also filed a complaint XXXX FDIC this morning
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I opened an account with XXXX XXXX in XXXX to transfer my balance from my XXXX XXXX XXXX XXXX card to, as the XXXX card offered 0 % XXXX on balance transfers. XXXX sent a check to XXXX and charged my account. XXXX deposited the check, but I never received credit on my XXXX account for the check. My XXXX account was charged on XX/XX/XXXX. Today, XX/XX/XXXX, I called XXXX to let them know that XXXX finished their investigation, and that they had sent me a letter with the results. I asked XXXX how I could send them those results, and they told me a case number on the phone with no additional information. XXXX asked for the exact account number the check was for, and XXXX told me they could not provide any information on that. I am currently still paying off both balances and not sure if any resolution is in sight. XXXX 's website gives me errors when I try to pull up information related to the transfer or disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03867
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a promotional flyer while on XXXX XXXX that said balance transfers would be interest free for 15 months after payment of a 5 % transfer fee. I did the math and decided to do it. The flyer did not say that I would need to make a minimum monthly payment of more than 1 % of the balance. That changed the math, but I had already paid the 5 % fee. I paid off all the other charges and fees and stopped using the card. The current balance is {$140.00} less than the original " interest free '' balance transfer, but I keep getting charged interest. The only explanation is that they misapplied a payment to the balance transfer rather than the other charges, so they show an unpaid balance in the " other charges '' category and show the balance transfer as overpaid. I have been in chat sessions with them over the last XXXX billing cycles, to no avail. I don't think anybody even reads my message, they just send a form response. I believe the promotional flyer was misleading and that Barclays is not equipped to fulfill the promises they made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
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: There was a fraudulent transaction on my Barclay 's master XX/XX/2023 from the merchant XXXX for an amount of {$520.00}. I disputed it and the credit card company first removed it from my statement and then eventually added it back saying the merchant provided them with some information saying it was me who ordered from them. My XXXX account has not had any orders in the last year so I never placed this order. I called Barclay 's mastercard a 2nd time and they said they'd start an appeal process and gave me a case ID but they haven't done anything about it. I feel like they're giving me the runaround to avoid having to remove the fraudulent transaction. The case ID is XXXX. I then called XXXX and they said someone used my information to place an order for 3 insinkerators and got it delivered to a different address ( not my address ). This sounds like regular fraud to me but Barclay 's mastercard is somehow stalling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98112
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: This complaint is about Barclays Bank I got my statement from this bank and on my statement they did not put down my purchases. They just gave me a statement just with a total. I told them that they were supposed to put down the purchases to let me see my purchase it, and how much they was they refused to do that. I have other credit cards and all of my statements come to me with the purchases and then tell me how much I need to pay. This bank is not putting down. No purchases just give me a total and I feel this is not right, and I wont statements with purchases on it so I know how much I paid for the merchandise because they could overcharge me without me knowing thank you very much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94044
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I wrote in to request that Barclays/AAdvantage Aviator Red Mastercard reach back out to the credit bureaus to notify them that the recent 30 days past due status of my account was reported in error for 4 main reasons : First, the initial charge was made by XXXX of {$17.00} using this card as a backup to my primary card. In conversations on XX/XX/, a representative of AA related to the XXXX charge told me that there was some sort of error processing this charge to my primary card, so the charge went through my XXXX XXXX to charge this card because it was somehow associated with the business ecosystem of the card. They informed me that they do not know what the error with my XXXX card ( my primary card ) was and can not explain, but they are happy to move the charge over to that card. I explained to them that the damage had already been done and that this had caused a very grave impact to my credit score. They told me to let them know how they could help. Please let me know if you would be willing to speak with XXXX XXXX. Second, because I was unaware of the charge being made to this card, I didnt make any attempts to pay the amount, but as a backup measure, I felt assured that my auto-pay function would pay off any charges that did happen to hit my account including perhaps random fees or errors. In my initial conversation with representatives about this issue, I was told that they could not figure out when I called in to set up my auto-pay because they could only see an online payment for my first card payment. I went through my phone records and found what I believe to be the call where I set up autopay on XX/XX/XXXX Third, given that autopay was either not completely set up or not set up at all, no payment was made. Over the next 30 days, I do not believe any attempts were made to contact me. In my phone records which I sent them, one can clearly see there are no calls made from the number I was told by the Barclays agent that I would have received a call from ( number here ). Furthermore, I was also told that my e-mail address had been mistyped by Barclays representatives as XXXX instead of the correct XXXX, so any email notification that was sent was ultimately sent to the wrong address. I did previously receive many marketing emails to the correct email address as late as XX/XX/ and now that my email address has been corrected, I am again receiving updates, but for the critical period in question, I received no account-related updates. Had these errors not been made OR had a notification been sent to my phone or any kind of text message, I would have known the charge had been made and not paid. Fourth, upon finding out that this money was unpaid through a flag in a credit monitoring app ( XXXX XXXX ), I paid it within 3 minutes, hoping that both Barclays and the credit bureaus could see that this was all related to errors as opposed to non-payment, however apparently I was too late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A