Date Received: 2021-08-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a Frontier credit card through Barclay Card. When I applied for the card online it was indicated that there would be no annual fee for the first year. I saw that I was charged for a {$79.00} fee. I called the first time after originally seeing the charge and they said it would be refunded after I met the intro offer which also came with XXXX bonus miles. I called a second time after it had not been refunded and they informed me that the fee would be returned at the end of the calendar year. I thought about this and decided that this was not the original agreement and I didn't think it was fair to charge me and keep the funds for 1 year before returning the fee. Today I called a 3rd time and they told me that this had been escalated and that I was not eligible for the annual fee to be waived for the first year. I informed them that I would escalated this complaint through an outside agency as I did not agree with this and opened the card with the understanding that I would not be charged an annual fee the first year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
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 had several unauthorized transactions on my account, and the Bank wont have a supervisor call me to discuss this matter. I have made several requests over the past 2 months and did not get any call backs. I did receive a letter from a XXXX XXXX with a phone number to call her directly, however that number goes right to voice mail, and calls are never returned. I am writing this for CFPB to have a manager in the fraud department or someone from the bank to call me at my number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since XX/XX/XXXX, my jetblue barclaycard credit card has been set to autopay the full credit card statement from my ally checking account, as with all my credit cards. For the months of XXXX and XXXX no purchases were made from said card. On XX/XX/XXXX an initial purchase of XXXX was made. This appeared on the XXXX statement with an auto pay date of XX/XX/XXXX. A purchase of XXXX was made at XXXX XXXX on XX/XX/XXXX. This was my total XX/XX/XXXX statement with a due date of XX/XX/XXXX. On XX/XX/XXXX the payment was attempted but failed to withdraw from my XXXX checking account due to an unable to locate account error. On the Statement printed XX/XX/XXXX due XX/XX/XXXX, the payment is listed as successful and is not included in the statement balance. On XX/XX/XXXX XXXX was successfully deducted from my XXXX XXXX account, this did not, but should have included the XXXX that had failed the previous month. On XX/XX/XXXX Barclays reported a XXXX delinquent trade to the credit bureaus. On XX/XX/XXXX Barclays successfully deducted XXXX from my XXXX XXXX account. After attempting to obtain pre-approval for a home loan I was notified my credit rating was XXXX, this is a stark contrast to when I applied for pre-approval with a different lender in XXXX and my rating was XXXX. On XX/XX/XXXX I called Barclays which acknowledged the mistake and instructed I contact the FCRA, provide them documentation to retract the delinquent account report. This complaint ensued as the CFPB is now accepting FCRA complaints. Barclays prematurely reported a delinquent trade for a charge that should have been deducted on XX/XX/XXXX within the 90 day timeframe, additionally Barclay 's failed to contact me prior to reporting the delinquent account before reporting it to the credit bureaus. This caused my credit rating to seriously decrease just when I am attempting to get a home loan, causing serious harm to my prospects of being able to get a loan with reasonable rates. Prior to this action by barclays my rating was a XXXX, my new rating is a XXXX. This is the first delinquent report in my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
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: Date : XXXX Over several weeks calls to the Barclays Support center have failed to garner adequate customer support. Prior to today Barclays, customer service representative XXXX, denied a call to dispute XXXX digital good purchases as requested. Today, ( Female ) Barclays rep XXXX reiterated the same approach to the claims. The XXXX transactions were cancelled with XXXX customer service and moved to an alternative account for billing purposes. The XXXX balance remains and our recollections lead to the charges being left overs and duplicate. It is understood representative XXXX, was phoned at the XXXX, number multiple times today. Once at XXXX and she disconnected the call while on hold while awaiting a supervisor to process the dispute request. Then, during the followup call moments later. XXXX stated no supervisor will become available until after XXXXEST. XXXX WAS CONTACTED prior to phoning Barclays card services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Someone hacked my boss email address and ask me to go XXXX and and buy gift cards on XX/XX/2021. I bought the gift cards and emailed to him. The Company have don't any wok yet and the bank is looking into it. But I'm afraid that this person is still scamming people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was notified on XX/XX/2021 of 2 fraudulent applications using my name and social security number. The first one was a XXXX XXXX XXXX credit card the second one was. XXXX credit card managed by Barclays Delaware Bank. I was able to call both companies and report the fraud as well as have both applications stopped before they were fully processed. I have put credit freezes on all 3 credit bureaus as well as putting a fraud alert on them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
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/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out XXXX rounds of dispute letters to the XXXX credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Barclays Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Refinanced loan w/ Barclays Bank and proceeds were sent to Barclays from XXXX XXXX mailed XX/XX/2021 received and processed by Barclays on XX/XX/2021 in the amount of {$8600.00} confirmed by check copy provided from XXXX XXXX XXXX ( originator for XXXX XXXX ) after numerous calls and messages Barclays still has not credited the account after 1 month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
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: I GOT LAID OFF DUE TO COVID AND XXXX XXXX XXXX. I WAS UNABLE TO MAKE MINIMUM PAYMENTS FOR XXXX AND XXXX OF XXXX DUE TO UNEMPLOYMENT TAKING MONTHS. I HAVE NOW PAID THE PAST DUE BALANCE AND WILL CONTINUTE ON WITH MY REGULAR PAYMENTS OFF OF THE ACCOUNT. I HAVE NEVER HAD A MISSED PAYMENT SINCE XXXX. THE NEGATIVE REPORTING IS DRASTICALLY AFFECTING MY CREDIT PROFILE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A