Date Received: 2021-08-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or around XX/XX/XXXX, I filled out an online application for a XXXX credit card offered through Barclays. After a full month I did not have any reply, so I again filled out an online application. I then received a letter saying they needed copies of my Driver 's License, Social Security Card, and utility bill with my name on it. On XX/XX/XXXX I sent photocopies of my DL and SS card, and an original utility bill to : Card Services XXXX XXXX XXXX XXXX, DE XXXX I then received a letter from Barclays saying my application was declined for " Too many recent applications. '' I waited another two months, applied again online, and again received a request for the same documents. On XX/XX/XXXX, I resent new photocopies and a utility bill to the same address above. I then again received a letter saying my application was declined for " Too many recent applications. '' In my previous complaint, it appears Barclays responded they did not receive the documents. Barclays has yet to even pull my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I most my job due to the pandemic. I called barclay and let them know immediately, I also told them i have a new job. Because of the small gap in employment ( had to wait for a security clearance ) and the next pay period, I was worried that my payment would be late. The representative told me she made a note of it and I would be penalized. I made my payments on time and when I went to pay this month the main page of the barclay site said I missed a payment. I checked my checking account used to pay bills and To my suprise the new job direct deposits were not when I was told they would be causing return of payment of XXXX. I spoke with a supervisor today named XXXX and he told me I was charged XXXX in fees and reported 60 days late because the payments was returned just before the XXXX when the card kicks into the new cycle date credit limit. The rep told me shed notate my account and I wouldnt be penalized for a late payment because I lost the first job due to the company sizing down from the pandemic. Please help Im afraid Ill lose my security clearance for the new job due to the negative credit ratings my new job is more than enough to crash things up and Im trying to catch up from when there was a break in employment. I plan to be able to make large payments in the next three weeks Ive never been late and this is truly hurting me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Through my credit report monitoring I became aware on XX/XX/21 that Barclay Bank, the provider of the XXXX XXXX credit card, had charged an annual fee of {$190.00}. I was never provided a statement via mail nor a notification via email that they had charged my card this fee. My address and email are up to date with Barclay Bank and I have not used the card in quite some time so I do not log in regularly to check for charges that I have not made. Upon review of my credit report I immediately made the payment on XX/XX/21. I reached out to the credit card company informing them that I had not received a statement via mail nor a notification via email. Their canned response was " we are required to report delinquencies to the credit bureau ''. They had no explanation as to why they had charged my card the annual fee yet never issued a bill or notification via mail or email and did not take further action. In my 40 year credit history I have never missed nor been late on any payments and I respectfully request that this inappropriate charge resulting in a delinquency
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: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
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: Fraudulent charges were made on my BarclayCard UberCard on XX/XX/XXXX and XX/XX/XXXX totaling {$900.00}. I only use this card for a few things never more than {$20.00} a month, no notification or alert from the card was sent. On XX/XX/XXXX I noticed the high credit card bill and called and reported the fraudulent charges and canceled the card. On XX/XX/XXXX I received notification by mail that the fraud investigation was complete and that I was not responsible for the charges. On XX/XX/XXXX Barclays debited my savings account the full amount including the fraudulent charges on XX/XX/XXXX they issued a credit to my credit card. On XX/XX/XXXX I noticed the {$920.00} removed from my savings account. My online account had been disabled. After 3 hours of waiting on hold they gave 6 different reasons about not being able to verify my identity or my account and transferring me to other people to verify who would then drop the call. The entire system is designed to take my money and provided no mechanism to complain or have it returned. I did not and have would never voluntarily give Barclays open ended interest free {$900.00} loan. I have no interest in exchanging actual money for credit. They refuse to refund the money and have wasted hours and hours of my time with a system designed to do exactly that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I attempted to get a new card from XXXX credit card services and 3 weeks later it NEVER came. I called and requested another card on XX/XX/XXXX and still has not come thru the mail. Also, I had not used my XXXX credit card since XXXX of this year and I paid it every month, and ON TIME, yet a few times that i attempted to use it at the checkout, the individual would say, " its been declined '' and that is the reason why I had NOT used it since XXXX of this year. A similar occurrence happened with my Barclay credit card. And on another event I received my statements from Barclay credit card with the numbers on the pages missing, for instance I received 6 pages, in which, several pages were missing. They were numbered like so, 1 of 1 ... 2 of 2..3 of 3 and so on ; however, 3, 4, and 5 were missing from my Barclay credit card statements. Not only that but the several times that i called in to make a payment, with BOTH Barclay credit card AND XXXX credit card, it was not usual protocol that I'm normally used to and the individuals on the other line sounded very suspicious ; also in the way they handled the phone call. Not protocol. Tell your XXXX that are on your team running the show behind the scenes in America, that I said, " XXXX XXXX XXXX!!!!!!!!!!!!!!!!! '' Thank yoo, sincerely yours, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XX/XX/21 Used Convenience check # XXXX associated with my account that had 2 % conveyance fee for a company building a pavilion on my property. The check had to post by XX/XX/21. XX/XX/21 Unidentified caller ( caller ID ) Left message at XXXX. Message was retrieved by me later that evening and it was Barclays security department verifying the check was written by me. XX/XX/21 Called Barclays security department in the morning and was told the check was denied already ( less than 24 hours after their message ). I was bounced around between the security and customer service departments approximately 1 hour. The Barclay system disconnected my call several times during this timeframe, and I had to keep calling back in and re-explain the situation each time. I was finally passed to the person at Barclays who actually creates their internal report of the denied checks. She reached out to a manager, put me on hold and my call was disconnected again. She called me back because I told her how many times I was disconnected. She said they got the check removed from the report and told me everything is fine and the check will clear. XX/XX/21 Last day for convenience check to post for 2 % fee. XX/XX/21 Received notice the check was denied again after confirmation the check was removed from the report and told it would clear. I had to scramble and pay the contractor by different means so the construction project wasnt removed from their schedule. Once again, after several disconnected calls and a total of 2 hours and 55 minutes on the phone with Barclays, I was apologized to multiple times. No one could ever tell me why the check was denied again after I asked several times. I told them I was wronged in this whole scenario because now the conveyance fee is 3 % and I had to pay for the first half of the project by different means. Barclays agreed. I told them I plan to pay for the final half of the project with a conveyance check but its now 3 %. I was instructed to use the 3 % check but call in and let them know I wrote the check so it is not declined again for fear of fraud. I was also instructed to wait until it posts then call in and I would be refunded the 1 % difference in the fee. XX/XX/21 : Project is completed and the 2nd check, # XXXX associated with my account is written. Barclays as called and alerted the check was written, to whom it was written to and the amount and I was told it was noted in my account. XX/XX/21 : As I was instructed on XX/XX/21, I called Barclays today to request the 1 % difference refunded to my account. After 3 people, 3 disconnections again I was told there is no record of any of this in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44094
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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: On XX/XX/2021, I ordered 2 {$100.00} MasterCard gift cards through Staples Direct with my Barclays CC. I had ordered the cards to be physically shipped to a XXXX storefront at XXXX XXXX XXXX XXXX in XXXX, NC so that I could go pick them up. I was provided the tracking information through USPS, but the tracking stopped at a XXXX plant without ever being updated -- it never made it to the store. I contacted XXXX support and on XX/XX/XXXX they responded by email apologizing for the delay. At some point in either XXXX or XXXX, I spoke to them by phone and was told they, XXXX, would reissue 2 more cards to replace the ones that never arrived with the same deal in place -- the cards would be shipped to the same store for me to pick up. However, this time I never received tracking information and was told I'd be informed when the cards arrived. After a month of waiting, on XX/XX/XXXX I physically went to the XXXX XXXX store to check to see if the cards had arrived. I went at about 2 or 3 in the afternoon and spent 30 minutes waiting while they checked various spots where the cards should have been, but was told they were not there. I then emailed XXXX support again on the same day, XX/XX/XXXX, stating I still hadn't received the cards. A response was given on XX/XX/XXXX saying the cards would not be reissued a 3rd time and that XXXX would begin working with the vendor to refund the order. On XX/XX/XXXX, after having contacted them again about not having been updated on the status of my refund, I received another email stating they're still working on the case -- that a resolution is hoped to be had in the next 24-48 hours. Within the next 2 days, I received a phone call and voice mail from a XXXX representative informing me that the gift cards had both been fully redeemed -- so, fraudulently -- and that I would need to dispute the transaction directly with my CC company. In this case, that was Barclays. I disputed the transaction with Barclays on XX/XX/XXXX citing and describing the above process as well I could stating 'Non Receipt of Merchandise '. Barclays allegedly began an investigation and rendered a verdict that according to the merchant 's response ( They referred to XXXX, not XXXX, as the merchant in this scenario ), that " the services were rendered and the gift cards were redeemed using your name, XXXX XXXX. '' This is highly problematic because the dispute in question is with XXXX XXXX, not XXXX. XXXX is only a vendor affiliated with Staples -- as such, XXXX has no responsibility nor input on the reception and distribution of merchandise to me, the individual, in this scenario because XXXX assumed responsibility to receive and then give the merchandise to me, the customer. Because XXXX is the merchant, and not XXXX, the claim that " the merchant rendered the services and the gift cards were redeemed using your name '' is false because XXXX is not the merchant charged with providing the merchandise. No evidence from XXXX has been provided showing that I received the merchandise, so any use of those cards is fraudulent since I, the recipient, could not have used nor authorized the use of those funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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: second contract was open less than one month after the initial contract. Wyndham credited all late fees and credited the second account. Barclays Bank Delaware still shows hard inquiry and late payments. Wyndham has sent letter and I forwarded the letter from Wyndham also but it shows late payment. On the vacation club for XXXX XXXX bank the same issues show on Wyndham credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is in reference to a JetBlue Mastercard issued by BarclaycardUS. BarclaycardUS had a tech issue this week. From what I gather there is a glitch in the new card activation process. Because of this I am locked out of my account on both the app and online in addition to not being able to activate my card. Despite repeated attempts for hours on end, NO ONE is answering any of the XXXX XXXX numbers - and I have tried all of them. I just tried again and gave up after 40 minutes - this is at least the 10th time this has happened to me. If you look at the comments on the BarclayCardUS XXXX and XXXX pages you can see I am not alone. As far as I can see there has been no communication to the US cardholders about any of this. If I can't access my account I can't pay my bill and therefore may be subject to fees, which I will refuse to pay - and that would be fraud anyway. If I cant reach anyone I can not regain my account access. Ive been on hold for hours, and disconnected many times, so calling in to schedule a payment is useless. This is sadly among the worst client experiences I have ever had and a potential media nightmare should this gain visibility. I XXXX XXXX XXXX a few times and received no response. However, the XXXX Barclays twitter responded but they can not help as I am US-based. I have already submitted a complaint to the US XXXX XXXX XXXX. The lack of client focus in the US is quite frankly appalling. I want simply to have someone remedy my issue so that I can ultimately close the account. But as it stands they are barring me from accessing or closing my account because no one is answering. There is not way to get to any human being at this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A