Date Received: 2021-08-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I use Barclay Card and went to use my app and they had said I needed to call XXXX for Service, not sure why no notice or email. I called this number two phones at a time and set on hold for longer then 45 minutes 6 times and nothing still. I finally called another number to get my payment paid but he said I had to talk to customer service before my online would be active, he transferred me, and then disconnected me instead. i am still currently on hold for another 25 minutes and counting and nothing still. This is complete waste of time for a working individual. Credit Card Companies should be ashamed of themselves for this kind of service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76086
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
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 made a purchase on XX/XX/21 for {$94.00} to a merchant company name XXXX and the put the wrong name on the shipping label and the box was given to a person with that last name XXXX this company my the error and the credit company which is Barclays on my Wyndham Reward Card my question is why am I responsible for this company mistake so I have to pay for an item I never received my case # XXXX & the company # is XXXX XXXX XXXX I also have the print out that show the wrong name on the shipping label please help me if you can I have more facts I can fax to you to prove my point. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The Wyndham Rewards Earner Card was offered to me with 15 months interest free APR on balance transfers and all purchases. After several months, now this company is not honoring the interest free account on purchases as agreed. Also, they are attempting to rip me off the XXXX points I am due for listening to a Wyndham XXXX XXXX presentation last month. I was told the points would automatically be placed on my Wyndham Reward account. It was not. Now I am on online and there is no location in my account to " enter the 10 -digit Points Pack activation code. This is a rip off. There is no place in my account to place this code. This company is really corrupt. I regret the fact that Wyndham is so dishonest and many of their hotels are filthy. I want the XXXX rewards points added to my Wyndham Rewards account and for the interest I was charged returned by to me in the form of a check as soon as possible. I got this account to charge purchases interest free for 15 months. A very dishonest company!!!!! I have called and called and no one from the Corporate Office will call me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contact XXXX XXXX XXXX about my 2 accounts with them ( XXXX XXXX and XXXX XXXXXXXX XXXX ). XXXX XXXX XXXX assigned my two accounts with them to XXXX, XXXX XXXX XXXX XXXX. I contact XXXX, XXXX XXXX XXXX XXXX to settle the said two accounts. They informed me that there is a third account under my name. I asked them who is the creditor, they said it is from Barclay Delaware that was sold to XXXX XXXX add XXXX XXXX assigned the account to them to collect. That Barclay Delaware account had been settled and paid long time ago. XXXX, XXXX XXXX XXXX XXXX is not helpful when I tried to explain to them that it was settled and I gave them the confirmation # that the account is settled. They insist that all three account should be paid. I do not know how to handle this situation. I just want to settle what I owe and not what i already paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Contacted the company and credit bureaus regarding reporting issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Recently on a vacation in XXXX XXXX, NV ( Thursday, XX/XX/XXXX - Sunday, XX/XX/XXXX ) we stayed at XXXX XXXX XXXX using trial timeshare points I had purchased in XXXX thruough XXXX XXXX program. After check in on Thursday evening I was told that in order for our accommodations to remain free ', I had to attend an owner update presentation ( They tell us about how things have changed with the company and try to get us to purchase. Its a sales pitch. ) We scheduled the owner update meeting for Friday, XX/XX/XXXX at XXXX. My fianc ( XXXX XXXX ) went with me to the meeting on Friday & at around XXXX our sales representative ( XXXX ) came to get us. After introductions I informed him that we were only doing the presentation because we were told we had to we had no interest in buying. He said he completely understood but he still had to make his sales pitch, so he did so. Halfway through the meeting he brought out his tablet & asked us to insert our Social Security numbers 3 times & sign inside a signature box 3 times. When asked why he told us that it was for a confirmation of our identity to prove that were really who we said we were. I signed & put my SSN in ONLY because he told me that it was just proof of who will our identities and then I asked him why XXXX had to sign because he has nothing to do with the Wyndham company ( I was the only one who purchased the trial timeshare points back in XXXX. ) XXXX said that he needed both of us to sign to confirm both of our identities. Now I want to provide some clarity.When I say that we entered our SSNs & signed on the tablet there was no wording or verbage at all on the page of the tablet. He never showed us a scrolling contract that we were applying for anything or that we were giving consent to our credits being ran. The boxes were blank on the SSN page it was just the 2 dashes separating the 8 digit SSN. No words on the page just the dashes & a number pad. On the page for the signature it was just a blank box & he told us to sign within the box. Once again, no verbage or fine print whatsoever explaining that they would be running our credit. So after the meeting we still told him that we werent interested in purchasing anything he said we were all set & that we could leave. On Monday, XX/XX/XXXX XXXX & I had 2 letters each. One set of letters was from Barclays Bank saying that had applied for a Wyndham Rewards Earner Card & they provided us with our consumer reporting agency information & our credit scores. The 2nd set was from XXXX XXXX Bank to thank us for our recent applications for a vacation club credit account. We never applied for any of these & we knew nothing about it until we received the letters. I called the credit reporting agencies & XXXX & XXXX had 2-4 inquiries between both agencies. I contacted the XXXX & I spoke to Director of Marketing Sales XXXX ( XXXX is his last name I think ) at XXXX XXXX I explained & asked him to provide us with letters to give to XXXX & XXXX to remove the hard inquiries from our credit reports. He said he wont provide us with those papers. He's refusing to help us at all even after we were deceived. After further research I have gone through reviews of XXXX by Wyndham on different platforms & through the XXXX XXXX XXXX complaints of the company & we are not the first people that this has happened to they have done the same thing to many other people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
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: A reservation was placed with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021. The reservation was for XX/XX/2021. This reservation was placed by my daughter. The payment was affected through my Barclay, s Master Credit card. Later in XXXX, when I received my Barclay Credit card statement, Prior to XX/XX/XXXX. I did not recognize the amount So I called Barclay and asked them to put the charge in Dispute. They did so. Again, prior to the date of the reservation XX/XX/XXXX. My daughter came to me and reminded me of the reservation she placed with my consent with the Barclay credit card. So I turned around and prior to the Reservation date. I called XXXX and asked them if I could pay with another credit card. Since they did not want the Barclay Credit card. The said yes. So I paid with the XXXX XXXX card, on XX/XX/XXXX. They, XXXX accepted the transaction and my family was able to attend the reservation. I called Barclay and asked them to cancel the transaction with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). They indicated, with a letter that they would close the transaction but they actually did not. They first sent me a letter, on XX/XX/XXXX, indicating that the transaction was closed. I thought that was the end of it but it was not to be, On XX/XX/XXXX I received another letter saying that XXXX submitted documents to Barclay indicating that the monies was owed to ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). So Barclay, after making their investigation concluded that, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ), should be paid. This is without contacting me before the payment was made out of my account. I previously had paid, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX though XXXX XXXX. I called Barclay and asked them to retrieve the payment a credit my account. Barclay refused!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This complaint is due to nonresolution of the prior complaint, ID XXXX. I appreciate XXXX XXXX 's response to my complaints filed through the Consumer Financial Protection Bureau and the Attorney General of Pennsylvania. I also appreciate receiving a credit of {$690.00} to my statement dated XX/XX/XXXX. In my original complaint ID XXXX from XX/XX/XXXX, I requested 1 ) that the error be corrected, 2 ) that any finance charges related to the disputed amount be credited to my account, and 3 ) that I receive an accurate statement. In Barclays Bank 's response authored by XXXX XXXX and dated XX/XX/XXXX, Barclays is unable to substantiate the claim that I continued to accrue finance charges related to the fraudulent charge. I am submitting a schedule that details substantiation for the claim that I have continued to accrue finance charges related to the fraudulent activity on my account ( encl B ). Additionally, I am submitting copies of the monthly statements showing the interest charges, monthly account balances, and my regular payment of those balances ( Encl B1-B7 ). You will see that my XX/XX/XXXX statement includes the fraudulent charge as well as a finance charge of {$22.00}. With each statement, I paid the statement balance less the {$690.00} fraudulent charge less the interest charged for the current billing cycle less the total prior interest charges. As you can see on my schedule, each month I paid the statement balance in full less the total amount that was disputed. As in my original complaint, I will not consider this matter closed until I am refunded {$180.00} in total finance charges related to the fraudulent charge. I attempted to call XXXX XXXX twice regarding this matter but received no response to the voicemails I left, so I am sending her the correspondence in writing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
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: Not a duplicate New documentation attached and Contacts have been updated. Update since XXXXSee attached XXXX invoice showing credit for full amount credited to our MasterCard XXXX ( not the active XXXX ) on XX/XX/XXXX. Please issue the credit and resolve all fees and penalties. This was an issue between merchant and bank on the Mastercard network. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 1. On XX/XX/2021, I was on vacation in XXXX, XXXX with my sister, shopping in the XXXX XXXX. At XXXX EST, I received a call from Barclays that an authorization for {$4300.00} had been flagged as fraud. I told the representative that I did not make the purchase. He said he would flag the charge as fraud and issue me a new card. 2. On Friday, XX/XX/2021, I received a letter from Barclays saying they had completed an investigation and found the activity valid. I contacted Barclays Fraud on Monday morning, XX/XX/XXXX to contest the findings. I was told the activity was valid simply " because the chip from the card was used at time a purchase. '' There was no further investigation conducted by Barclays. 3. I reiterated that the charge was fraudulent and wanted my continued dispute annotated in my complaint. I requested the merchant name, type of business, address and phone number from Barclays. First, I had never heard of the merchant. Second, the merchant was described as retail. In my own investigation, the number provided by Barclays was not retail, but linked to the XXXX XXXX of the XXXXXXXX XXXX XXXXXXXX XXXX. When I contacted the merchant, the employee said that the library does not conduct sales. When I XXXX the address provided by Barclays, it was in an area of XXXX I had not visited. In fact, at the time of the transition, I was 6-8 blocks away from the supposed point-of-transaction. I have a statement indicating I was at a different shop at the time of purchase, and could not have been in the location of the merchant. Furthermore, the phone number did not match the merchant based on the address provided by Barclays. How can a consumer be expected to investigate their own claim, when the card issuer provides poor, erroneous, or unverified information to the consumer -- then makes the consumer try and put the pieces together. 4. On XX/XX/2021, I sent a letter to Barclays outlining what I had discovered. After seven days I had still received no response from Barclays. 5. On XX/XX/2021, I contacted Barclays. The fraud associate reiterated that Barclays found the activity valid and I was responsible for the charge. There was no mention of the follow-up material I sent for review. After 20 minutes on the call, the associate finally relented to forward the information I sent for a higher-level review. When I highlighted the discrepancies in the information provided to me by Barclays the associate expressed a number of excuses as to why the information did not match, but reiterated, because a chip was used, the charge was valid and I responsible for the amount, including interest, late fees and charges. Frankly, I should NOT be liable for any of the aforementioned charges as long as the dispute is ongoing. Furthermore, Barclays has shrugged off it's responsibility to provide a accurate and legitimate business name, contact number and address of the point-of-sale/transaction. 6. During my call with Barclays on XX/XX/2021, I asked that they request from the merchant and provide a receipt of the transaction. The associate said " no '' and that they were not required to do so for fraud. However, if I wanted to change my claim from fraud to a dispute, the dispute resolution department " may '' ( not that they will ) be able to obtain a receipt of the transaction. However, if I changed from fraud to a dispute, I would thus be admitting the transition was mine. Furthermore, I could not later claim fraud. While I expect due diligence in respect to Barclays conducting an investigation, the company provides so many barriers for me to conduct an investigation, it's frankly impossible to do so, especially when provided erroneous information n the merchant. -- I am adamant that the amount of {$4300.00} is a fraudulent charge. -- I have a statement that I was in a different shop at the time of the Barclays call and fraud occurrence, based on information provided by Barclays. -- A consumer can not be reasonable expected to conduct an investigation, in a foreign country, with poor, incorrect and/or erroneous information from the card issuer. -- Simply because a chip was used does not mean the charge is valid. A number of recent reports and studies have indicated how a chip can be duplicated. -- Refusing to contact the merchant and provide a sales receipt is disingenuous. -- While the dispute is ongoing, the charge should be removed from my credit card, including interest and fees. -- Finally, when Barclays called me about the fraudulent charge ( at the exact time the fraud occurred ), why was it not blocked? When I said the charge was fraudulent, why was the authorization not cancelled? My experience with XXXX and XXXX XXXX, is when a charge is flagged as fraud, the charge is denied until the consumer either confirms via text, app, web or call. It seems counterproductive to call when a charge is flagged and then allow the authorization to proceed to a final sale/transaction. Especially, when the highest purchase on the card had only been {$200.00} ... {$200.00} to {$4300.00} is a obviously a red flag.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A