Date Received: 2021-08-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I called Barclays at XXXX on XX/XX/2021 to request my full balance owed and to pay it all off. The agent told me the full amount owed was {$1000.00}. I authorized the payment from my XXXX XXXX XXXX checking account. This is the account where automatic payments were already in place. I was very specific in asking them for written confirmation that the full amount owed was to be paid and that the account was closed. I was told the account was already closed and I would receive email or letter to that effect. On XX/XX/2021 I confirmed with my online credit union account that the total was transferred from my account to Barclays. Also on XX/XX/2021 received an email from Barclays. It only stated that they received a payment. It didn't indicate my balance or anything else. So last night XX/XX/2021 I get an email that I still owe {$3.00}. I called XXXX went through the prompts and just paid it. This morning I called Barclays, spoke with XXXX, to ask where these new charges came from. I didn't get any intelligible or satisfactory explanation. I then asked ( again ) that they send me an email stating that I owed them nothing. I was told I would need to call back later to check on this myself. I asked again for THEM to send me an email, but XXXX stated they would only mail something out within 7 to 10 days. At this point I need help as I feel they are just harassing me with new false payments. I still haven't received anything in writing. The whole time they were taking automatic payments, I never knew my remaining balance. I'm not trusting their word anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90504
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a Barclays bank account a while ago that charged off. Since then the account was placed with XXXX XXXX a collection agency. The account was sent by them to XXXX XXXX XXXX. I have been trying for a week or so to reach them regarding the debt but they dont answer and they dont call back. I have brought this to the attention of XXXX XXXX 3 times and they have failed to tell me how to resolve if the debt is placed with a non communicative attorney. XXXX XXXX XXXX XXXX XXXX XXXX They have conveniently removed the complaint tab from their site
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31707
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
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 disputed 2 credit card charges : ( 1 ) a XXXX charge fromXX/XX/XXXX in the amount of {$20.00} ( Case # XXXX ), and ( 2 ) a XXXX XXXX charge from XX/XX/XXXX in the amount of {$31.00} ( Case # XXXX ). I was able to submit the disputes online through the Barclays website. I received confirmation letters via USPS from Barclays regarding these disputes. For each dispute, I received 2 letters : one stating that they received my billing dispute and have referred my transaction to a dispute specialist ( and that resolution could take up to 45 days ), and a second letter stating that they had informed the company of the dispute and were placing a provisional credit on my account. After that, I never received a confirmation of the outcome of the dispute. Despite being able to file my dispute online, Barclays did not have the option of checking the dispute status online, so I resorted to calling the Disputes department on XX/XX/XXXX. However, it was not possible to get anyone on the phone in the Disputes department ( they just had a message stating Due to circumstances beyond our control, we are unable to take your call at this time ), so despite multiple attempts ( including directly dialing and being transferred to their department ) I could not speak with an agent in the Disputes department. I spoke with a customer service supervisor ( Guillermo ), who stated that he was able to see the disputes were closed as write off. I asked to receive written confirmation of the outcome of the dispute, and was told that he was unable to do so, and that I would still have to speak with the Disputes department directly. I finally was able to get a hold of the Disputes department on XX/XX/XXXX, and asked them to send me written confirmation of the outcome of the dispute, per the terms of the cardmember agreement ; however, I was told by the representative that they " didn't do that '', and that the previous letters I had received should serve as confirmation. I informed him that I was legally entitled to written confirmation of the outcome of the credit disputes, not just notification that the dispute had occurred, and the representative said he would work on it and have something sent to me. I received a letter dated XX/XX/XXXX ( Case # XXXX ) that stated they would " fully investigate my concern '' ; however, I was instead sent copies of the previously-received letters ( the ones stating that they had informed the company of the dispute and were placing a provisional credit on my account ). At this point, I have not received confirmation of the outcome of the aforementioned disputes, and the company has refused to send me confirmation when asked, going so far as to state that this is their official policy. Please assist with resolution of this issue, and apply any sanctions to the company as indicat ed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90041
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I opened a credit card with Barclays Bank through XXXX on XX/XX/2021. On this date, there was a promotional offer, if approved for the credit card, which I was approved for and have attached confirmation of. This promotional offer was to receive {$150.00} statement credit if used within the first 30 days of OPENING the account ( XXXX ). On the date of XX/XX/XXXX when I was approved for the credit card, I was attempting to purchase flights tickets that I desperately needed to purchase on this date. After approval process, the website took me right back to XXXX and 'automatically ' entered the credit card numbers into the checkout tab without allowing any edit. I attempted to purchase and the website notated that the security pin was incorrect. I did not understand how the security code was incorrect when the website automatically entered the numbers for me and would not let me edit. I then called their customer service line for the representatives to tell me it must have been a glitch in the system and that they would expedite the card to me for no charge. They stated the transit time for an expedited card would be 2-3 business days. The following Wednesday, XX/XX/XXXX, the card still had not showed. I called in to their customer support line again to confirm if the card had been sent via expedite or if there was an issue that occurred. I was told the card was never actually expedited and that it was on ground service. The representative proceeded to tell me she would cancel the previously sent card and issue an immediate expedite replacement. 2 weeks later XXXX XX/XX/XXXX ), there was still no card that I received. I called in once more to their support phone line and was told they were unsure as to why the card was not received but confirmed it was sent via expedite and I should have received by this time. She confirmed she expedited another card to me. A few days later, XXXX XX/XX/XXXX ), I still never received the credit card. I called in again on this date for the representative to tell me the card was never even sent to my location. It was at this point I asked the representative to speak with a manager because I was so unhappy with the service and inconveniences for about a month. He placed me on hold and then hung up on me. I called back for another representative to do the same when asking for a manager. Then a couple days later, either the XXXX or XXXX, same date the promotional offer would expire, I tried calling the XXXX branch of this branch in hopes of receiving some assistance with the issue. They stated they had no visibility into the US team 's business and I would have to call them back. I tried to call the US team another time on this same day, and after explaining then requesting for a manager, was hung up on again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I would call once a month to complain about Barclay bank 's ridiculously high usurious interest rate. On one such calls in XXXX, I was told by a Barclaycard rep that there was a special 0 % interest that they would offer me on all purchases for a six month period. I accepted completely the offer and assumed that it was effective, immediately. Following the acceptance of this 0 % special offered to me, I made close to {$6000.00} in purchases, knowing that Barclay had offered and I accepted a 0 % rate for purchase. In XXXX, looking at my statement in noticed that I was being charged interest at 24.99 %. I called in to customer service and I was told that I was never offered a 0 % on my card ending in XXXX. And they refused to remove the interest charges. This is plainly the illeagal " bait-n-switch '' con game. On XX/XX/20, I paid {$5000.00} in order to avoid their ridiculous usurious interest rate being charged to my account any longer but they never credited my payment. I inquired with my bank and was told " the payment was sent to Barclay '' but they never credited my account! I am sick of constantly being ripped off by the lying, thieving, two faced, money grubbing, back stabbing scum Barclay bank credit card company! I demand that my payment be credited, and that the interest charges be reversed! I, my family, my company, my friends and anyone I can tell will NEVER DO BUSINESS with such a corrupt horrible company like Barclay!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74135
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I wanted to reach out because we are having extreme difficulty with Barclay. I sent a certified letter to them a couple of months ago. They did respond, but their response did not match the dates or the information that I sent. Our bottom line is to come to agreement on eradicating the balance and fix the negative reporting they have on the account. I have attached the letter I sent to them. Any guidance on next steps would be appreciated as we are at a loss with what to do and this account has devastated our credit score. This is what I sent to them : This letter is to serve as a request to remove the debt collection and amount of {$3200.00} from a disputed charge on account -- -- --. Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also, be advised that I am keeping very accurate records of all correspondence from your company. In reference to the above account, I have spoken to individuals at Barclays and at XXXX XXXX XXXX over a series of phone calls over the past 2 months regarding the dispute. In each call, reference from the individuals has pointed to being able to resolve this dispute. Additionally, individuals have spoken with me and said that someone would be in touch with me from Barclays. However, nobody ever contacted me which has resulted in weekly phone calls to Barclay to resolve the dispute. Most recently, I spoke with XXXX XXXX in XXXX XXXX XXXX to resolve the dispute. He indicated he would send the dispute back to Barclays and said that someone from Barclays would be in touch with me. Two weeks later, I did not hear from anyone at Barclays. On XX/XX/XXXX I contacted Barclays to ensure the dispute was finally resolved and removed from my credit report. I was informed during this call that the dispute was sent back to XXXX XXXX XXXX from Barclays. I find it unprofessional that Barclays responded to the dispute without any contact directly with me, the customer. I am even more perplexed by the response due to the numerous calls I have had with Barclays representatives apologizing and assuring me that the dispute will finally be resolved. I understand that the failure to report to me that the dispute was unfounded may be in violation of the Fair Debt Collection Protection Act. As of today, I am asking for a final resolution to this dispute that began in XXXX of XXXX. I was told that the disputed result would be removed from the balance of my credit card. As you can see, the remaining balance on the credit card is in the amount of {$3200.00}, the disputed amount. I have attached copies of the verification from the bank and Barclay regarding the dispute in XXXX. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency or reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Company Response:
State: NM
Zip: 87107
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Charge was made on my credit card for {$620.00} by XXXX on XXXX, I noticed the charge immediately called on XX/XX/21 my credit card company, they removed the charge and issued me a new card. 53 days later on XX/XX/21 I get a notice dated XX/XX/21 that an investigation was done by my credit card company ( Barclays ) and the charge was deemed to be legit. I immediately called them and they stated the vendor was able to verify my email address. I was like are you kidding, that was enough for you to agree I made a purchase from these people? No proof of purchase, download or receipt, nothing. So I reached out to the vendor, who uses a third party to process orders, I asked them to reach out to their third party to confirm I never downloaded or received any goods from them. So far no response from the vendor, whom doesn't answer any complaints by phone, so all communication has been through email. Barclays wants to hold me accountable which is crazy and this vendor isn't going to admit fraud, so I'm at a total loss. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
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: XX/XX/2021 - Submitted merchant dispute with my credit card company XXXX against vendor for charging me for the products that never arrived ( total amount = {$730.00} USD ). XX/XX/2021 - Credit for the purchase amount of {$730.00} USD was initially issued by Barclay, but then recharged by Barclay claiming lack of evidence of the product ( s ) purchased. XX/XX/2021 - Provide evidence of items purchased and chronolgically listed email communications between myself and the vendor, as well as record of all phone call attempts I made to the vendor. Per Barclay policy, submitted this evidence ( 19 page document ) visa fax to attn : Merchant Dispute and referenced the Case ID. XX/XX/XXXX-XX/XX/2021 - Called Barclay 's Merchant Dispute department on XX/XX/XXXX, XXXX, and XXXX to confirm receipt of supporting evidence/documentation fax and to get an update on my case. Each time I called the agents could not provide an update/status. XX/XX/2021 - Called Barclay 's Merchant Dipute department again as I've received no word or status. Per the representative, my request to reopen and investigate and be issued the {$730.00} USD credit was denied again for lack of evidence. Agent confirmed receipt of the documentation I submitted and verified all requested/necessary information was in fact included and was not sure why my dispute was closed again. I tried to escalate to a manager/senior level person to no avail. I'm out {$730.00} USD and have tried every avenue to escalate and get my money back but Barclay 's has made it impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A