Date Received: 2023-12-09
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I never receive my card and the Barclays because refused to provide tracking. I requested card tracking number but the Barclays refuse to provide, they declared due to the " policy '' they can not provide the tracking number. I don not understand why they can not provide the tracking number for card owner. it has been a more than a month waiting my card and after i requested new card the Barclays still not provide the tracking number. That's the main reason i can not receive the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Received a letter of rejection for credit card from Barclays, XXXX DE, App # XXXX. The letter was sent to my home address with my first name but a different last name. This may be an attempted fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
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/XXXXXXXX while vacation in XXXX, MO we attended an owners ' meeting and a man named XXXX XXXX sold us ownership in XXXX XXXX XXXX for {$3900.00}. This company was supposed to rent out any unused XXXX XXXX points and pay us for them. After receiving our XXXX XXXX points in XXXX, I contacted or attempted to contact XXXX XXXX to find out how to proceed. I called the numbers provided on XXXX XXXXXXXX XXXX business card but the numbers are no longer in service ( XXXX and XXXX ). I also emailed XXXX and that address does not exist. I contacted the executive offices of XXXX in XXXX where we supposedly purchased ownership with XXXX XXXX and they informed us that XXXX XXXX had been fired. I had no way to get in touch with this group and I contacted the credit card company to which the {$3900.00} was charged and informed them that this was a fraudulent charge and that we were unable to contact anyone ( even the info provided on the charging line of the credit card statement ( XXXX ) and that we had not received any services from them for which we had paid. The card is a Barclays XXXX XXXX card. Barlays immediately issued a provisional credit for the {$3900.00}. On XX/XX/XXXX I received a letter from Barlays indicatingthat indicated that they had received a response to validate the transaction and that the merchant had not violated the terms and condidtions of the sales agreement and that the {$3900.00} would be reapplied to our account. Again this morning XX/XX/XXXX I attempted to contact XXXX XXXX using the email address provided on the contract and received a reply that the address does not exist ( XXXX ) and I called the phone number provided ( XXXX ) and the number has been disconnected. I am going to provide this additional information to Barclays and continue to protest the charge because evidently either this company does not exist or has gone out of business because WE HAVE NOT RECIEVED ANY SERVICES that this contract provides.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
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: 2023-12-08
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: Barclays Credit has violated the Fair Credit Billing Act regarding my credit card transaction dispute involving merchant, XXXX XXXX XXXX, for a purchase totaling {$560.00}. I paid for services the merchant did not deliver and thus, on XX/XX/23, I contested this charge via phone call to Barclays at XXXXcst. I then notified the merchant via email at XXXXcst on XX/XX/23, that because they had not delivered the services I purchased, I would need to be refunded for my purchase. Only AFTER I notified Barclays to dispute/cancel the transaction, and AFTER I notified the merchant of my request for refund, did the merchant deliver via email at XXXXcst on XX/XX/23, 3 of the 5 items that were part of my order. The other 2 items which were services ( XXXX XXXX & XXXX XXXX XXXX ) were never rendered. Despite this, Barclays sided with the merchant 's No Refund Policy and took the merchant 's screenshot of having delivered via email 3 out of 5 items purchased, as proof that the merchant had fulfilled the entire 5 item order and was due payment. Barclays determined that I owed payment to a merchant who did not deliver services, and in doing so violated the Fair Credit Billing Act by : 1. failing to perform a proper investigation ( & not requiring the merchant to provide time stamped proof that file items sent were delivered within agreed upon service time frame, nor confirming the other 2 items comprising my order were actually delivered ) 2. failing to consider the evidence I provided 3. permanently reinstating the charge that was previously removed, 4. refusing to provide an adequate written explanation of its decision and supporting documents to justify the reinstated charge, ( the documents Barclays provided me with from the merchant were screenshots that did not accurately display a chronological timeline of correspondence, nor did the screenshots show messages in full ) 5. continuing to demand payment of the charge and associated interest and fees. On XX/XX/23 I uploaded a pdf of my email correspondence with the merchant to my Barclays customer account portal for review, per the Dispute Team 's request. Had this actually been read and reviewed Barclays Dispute Team would have seen first hand the merchant 's deceptive business practices and realized that I had been scammed. Instead, Barclays sided with the merchant. I made multiple phone calls to Barclays between XXXX and XXXX explaining to Customer Service Reps the situation and detailing what happened with this merchant/transaction, and each time was told that my case would be reviewed again. I was told that given the details I should not owe payment for services I did not receive, or for items that were delivered after I canceled the transaction, despite previous rulings by the Dispute Team. On XX/XX/23 I faxed a pdf of my correspondence with the merchant and highlighted timestamps to ( XXXX ) XXXX, a fax number provided to me by a Customer Service Rep. When I called back several days later to check the investigation/receipt status, I was told the Dispute Team did not know where or if my documents had been received. Another fax number was provided to me as a result. On XX/XX/23 I faxed a pdf of my correspondence with the merchant this time with both highlighted timestamps and commentary annotations to ( XXXX ) XXXX. I also faxed a screenshot of my XXXX phone record from XX/XX/23 showing my phone call to Barclays Customer Service at XXXXcst, as proof that I canceled the transaction BEFORE the merchant emailed 3 of the 5 items I purchased later that evening at XXXXcst. My timestamped/highlighted pdf showed the merchant sent these items at XXXX/cst on XX/XX/23, and that the other 2 services comprising my order had not been rendered. Despite all of this, Barclays still determined that the merchant did not violate their No Refund Policy because " they fulfilled services '' and were owed payment. Barclays also advised - in no uncertain terms - that to be refunded, I would need to work with the merchant who, based on the evidence I provided, had so obviously scammed me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I also respectfully request the Barclays US provide specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time of is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws Also, the account was closed due to XXXX no longer using them as a credit card company to XXXX XXXX, the company also is not allowing to access my account online or info about the account because I do not have an active card with them to provide the account number
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have an email from Old Navy once I signed up for the credit card on XX/XX/XXXX saying that I will earn XXXX points on all purchases until XX/XX/. However, I'm only earning XXXX points outside of the Old Navy brands. I called up their customer support team but they are forwarding me to someone else repeatedly. I called up the XXXX helpline and at first customer care said I need to speak to Navyist rewards. I called again and got connected with the Barclays folks via the same number (!! ) and they said I need to call up Old Navy at the same number (?! ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. The following inquiries are unauthorized, and I ask that you delete them : Inquiry from BARCLAYS BANK DELAWARE on XXXX XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a Barclays View credit card. On XX/XX/2023, I received a promotional offer via email that states " When you use your Barclays View Mastercard in XXXX, XXXX and XXXX, and spend {$300.00} or more on purchases each month, you'll earn an additional XXXX points. '' and the fine print states that " All points earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' Upon receiving the email, I proceeded spending over {$300.00} in XXXX, XXXX and XXXX using my Barclays View credit card. Not it has been over 12 weeks after the promotion ended and I have yet to receive the rewards points as stated in the promotion. This is consumer fraud. I am formally making a complaint to CFPB to investigate how many similar promotions are not honored and how Barclays is tricking people into spending with their credit cards.
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: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a Credit Card Payment to BarclayCard US ( Barclay ) in XX/XX/2023. Barclay acknowledges they received the payment and I have supplied them with the ACH Trace ID number as proof. Barclay alleges they returned the payment 5 days later to my credit union but refuses to provide legitimate proof ( such as an ACH Trace ID number ) this actually happened so my financial institution can research it. My financial institution does not have any transaction history that Barclay returned the payment. Barclay believes they are still owed this payment and have been charging late fees and interest which are negatively affecting my credit worthiness. Funds were removed from my account by Barclay and not returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX an inquiry was made to my credit report and I was notified by XXXX. I responded it was not my account and they flagged it as suspicious. On XX/XX/XXXX - 2 accounts were opened ; one in my name and one in my daughters name along with 2 additional names we do not know. On XX/XX/XXXX I received 4 credit cards in the mail from Barclays and called them immediately to close the accounts. My daughter is married and does not live in the same state as me nor have the same last name yet the account was set up as her maiden name and at an address she has not lived at in 10 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A