Date Received: 2021-06-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, I have a Barclay 's Wyndham Rewards Visa card - the one with the {$75.00} annual fee. Since I'm not traveling lately, paying the annual fee to receive the associate benefits is irrational. So, several months ago I called Barclays by dialing the number on the back of the card to request to be downgraded to the Wyndham Rewards Visa card with fewer benefits and no annual fee. The agent on the phone advised that I would be downgraded to the card with no annual fee and I could still use my original card and I wouldn't need to take any further steps. Well, I just looked at my monthly statement for XXXX, and I've been charged the {$75.00} annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
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 visited XXXX, Fl on or around XX/XX/2021 for three days. Used a car wash and the sales person talked to us getting a unlimited was and buy a monthly pass which would have been a better deal even if we used it twice. He didnt ever mention recurring charges. After I realized the recurring charges on my account, I called XXXX XXXX XXXX but no one seems to answer the phone. Mailed in a letter but no response received and the charges are going through my account monthly. I called in to the credit card customer service and the lady was unable to help me the dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
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: Letter submitted to Barclays : To : Barclays Card RE : Case ID : XXXX Unauthorized charge of {$110.00} from XXXX XXXX charged on XXXX to my card ending in XXXX. Dear Sir or Madam : I promptly submitted a dispute on Barclays website to this unauthorized charge. I received a letter dated XXXX XX/XX/2021 from Barclays telling me they could not pursue the dispute because they had not received from me documentsallowing us to pursue credit from the merchant. I called Barclays customer service number given in the same letter to inquire as to what documents they needed. I did not receive answer that made any sense whatsoever. To be frank, it seems that this request for documents is simply a way for Barclays to shirk its responsibilities under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act, which protect consumers from unauthorized transactions. Whats more, the documents requested are seeking a paper trail of something that does not exist, since there was no authorization for this charge. I have spent an unimaginable amount of time on the phone trying to get this resolved, with no success, and the complete unavailability of billing specialist or supervisor at Barclays. Although I have tried to contact the Merchant, they are unresponsive and require that I set up a new account with them in order to have any contact with them. There is no phone number for the merchant at allno mailing addressand no way to contact customer service. Spend some time on the XXXX website and you will see what I mean. Please help me help Barclays to meet their obligations under Federal Consumer protection laws by covering this unauthorized charge without further action. Respectfully, XXXXX Cc : Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX, Washington, DC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 820XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have asked Barclay several times to lower the interest so that I will have an ability to pay for the credit card. I have been in the hospital twice and can not see them working with the situation we are in. in fact the rates have gone up. This is how they make money but the high interest is not the plan of our country getting out of debt. I see no benefit to this kind of behavior on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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/2020 I paid an XXXX condo fee for the next 6 months, at the condo office, with a credit card, received my receipt and thought no more about it. About 30 days later, the condo office called me to say my credit card had reversed the charge and I needed to repay it. I contacted my credit card company and they said they did no such thing. The payment was never credited back to my account, and I have all statements from that date forward. I assumed this was a banking error and forwarded several months of my credit card statements to XXXX office so they could see I never rec 'd my money back on my credit card. I finally asked for an official dispute of the charge so Barclays could investigate and they said that since 2 months had already gone by since the transaction, they would not investigate. Then I tried with the bank administering the account for the condo association. They traced my money to XXXX XXXX XXXX but they won't cooperate with either me or the XXXX 's bank ( XXXX XXXX ). I don't understand how my funds could be withdrawn from an account without my permission and sent to a bank I have no connection with. My credit card is XXXX XXXX AAdvantage administered by Barclays Bank. XXXX XXXX is bank for XXXX XXXX and XXXX XXXX bank now has my funds. This has been going on for almost a year. Please HELP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX is reporting 5 late payments on my credit report when I have not had a late payment since BEFORE my bankruptcy was filed and discharged in 2017. Experian told me Barclays Card is reporting as delinquent and that is the source of the late payments. I have contacted Barclays who refuses to provide me any information other than that they say I owe them {$850.00} and that my account is listed as a collection account. I spoke with multiple service reps and all hung up on me and said they couldnt help me, that I needed to contact the credit collection company. So, I contacted XXXX XXXX who informed me that my account has been closed with their office since XX/XX/2017 and I needed to contact Barclays because THEY are the ones reporting inaccurately to the credit bureau. Barclays will not help me. This debt was discharged in Chapter XXXX bankruptcy in XX/XX/2017. I should not have any late payments on my credit report! Someone please help me deal with this horrible company!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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 was aproved for Barclay card few years ago and my new card was used by someone fraudulently so I had talked to Barclay and they closed my card and I had reapplied and got a new one. They had removed my original 90 days late payments from credit report so it didn't show up the first few years, But when I check my report now, it shows as 90 days late payment. I would like this 90 days late payment to be removed immediately from XXXX. This first Acct was opened on XX/XX/2015 Acct # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59105
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX or XXXXXXXX XXXX XXXX, I received collection calls regarding an account, I thought it had to be incorrect so I ignored the calls. I pulled my credit reports in I XXXXXXXX XXXX XXXX and saw an account that had closed and gone to collections. I sent a dispute letter to all three Bureaus on XX/XX/2021. I received a letter stating " it was valid '', I sent a identity theft dispute through the FTC identity theft portal, then sent the confirmation number and another letter to all three Bureaus in XX/XX/2021, and received no response, I then sent another follow up letter with all the supporting information again XX/XX/2021, and I see notes on my credit report that I disputed this, however it is still reporting to the bureaus and I have yet to receive another response. They are in violation of my FCRA rights. I have no access to this alleged account, and have submitted what I was told to submit from the on line information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A