Date Received: 2021-04-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last week and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. Ive talked to both Barclays and XXXX XXXX. They both refer you to the other and point the finger at the other. My wife and I both heard the flight attendants say XXXX miles on both our XXXX flight ( when we opened the credit card account ) and our flight this month. To take it a step further, XXXX is advertising XXXX miles on their in-flight entertainment and on small billboards inside airports. I will enclose pictures I have of their advertisements and what is printed on their credit card applications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the Barclays XXXX XXXX XXXX card and was denied solely for too many recently opened accounts. However, the rest of my credit history and income supports my qualification for the card. Additionally, I have over a year of credit history, as well as a variety of good-standing credit accounts. I believe that with all of this, I am qualified for the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a holder of the XXXX ( Barclays ) Credit Card. Ive been a cardholder for several years and have never had any issues. On XX/XX/2021, I was contacted by the Fraud Department via telephone and email about possible suspicious activities on my account. Prior to the XXXX, I had not used my credit card, I paid it off. I also set up alerts to let me know when charges were made above a certain threshold. It turns out, all activities were fraudulent and I immediately reported them as such. Upon seeing that my card was being used without my authorization, I immediately reached for the visible card, which was the newly issued card ( note, this card had yet to be activated ). I reached for the card to get the telephone number. During the recorded call, I was asked if I was in possession of my card, I honestly responded by saying yes because I was looking at the new card issued ( to replace the old card that was set to expire ). I was never asked the clarifying question of if I was in possession of my old card. I didnt think this mattered because I knew I didnt make the charges. I was confident that, as with a few other fraud activities on other credit cards in the past, that I would be relieved of all of the fraudulent charges. XXXX issued a provisional credit and removed all but {$320.00} cents of the charges. The company alleged that after complete investigation, they determined the charges were valid. I was stunned and immediately responded to the letter issued on XX/XX/2021. I reiterated that the charges were fraudulent. I would NEVER TRY TO GET OUT OF PAYING FOR MERCHANDISE I CHARGED. I have very good credit and pay for what I purchase. If you look over my entire credit history with your company, you will see that I have made significant purchases, and have always paid timely and eventually paid you in full. Ive been a great customer for years, and was insulted by the determination that these charges were valid. I waited on the line to speak with someone in security for past approximately 45 minutes ( during my work day ) ; this was totally unacceptable customer services, especially dealing with issues of fraud! I am writing because even after disputing the fraudulent charges again, not being presented with any written proof ( there wouldnt be any since I did not make the charges ), I was held responsible for the payments. When I reached out to Barclay, I was told that since I said I was in possession of my card, the charges were valid. I was in possession of the new replacement card ( ending in the same number ), so I answered the question honestly that I was in possession of the card. I was very upset when I made the call, and was speaking with a representative overseas who follow a script. Not one time did the representative ask me if I was in possession of my old card set to expire. I did not realize that I was not in possession of the card until a couple of days after I reached out to XXXX to report the fraud. Because I know I had not used this card in a while, I did not realize that I was not in possession of the old card that was about to expire. I dont know when that card went missing, and still do not have possession of it. Note : the new card was not activated I did not plan to activate until the old. I am formally appealing this decision ; These fraudulent charges need to be reversed. I also plan to pursue any and all legal actions available to me in I am still held responsible for these charges. In addition, I will demand camera footage and time stamps from places/merchants where these purchases were made. I am fully prepared to show that I was not at any of those locations able to make these fraudulent purchases. I am copying the Comptroller and the Consumer Finance Complaint Department because I hope the right decision is reached. Unfortunately, I think its quite deceptive on Barclays part to not try to find out the entire story and get the clear full picture before rendering a decision. A representative should have been able to see that there were two ( 2 ) cards ending in the same number. The question should have been, we see that you have two cards ( are you in possession of both ). I would have then looked for the old card and saw that it was missing. This did not occur, which his horrible services to the customer. Again, the charges are fraudulent and need to be reversed. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
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: Last year, I made an online purchase for a battery powered XXXX nail XXXX. The charge amount was {$76.00} and it was placed on my XXXX XXXX XXXX XXXX XXXX XXXX. The company took quite a long time to send me a package. When they did finally send me a package, it was a pack of disposable face masks - NOT the nail XXXX. So I requested a refund from the company. They wouldn't agree to that, but said they would send me the original item. Because of how long it took disputed the charge with my credit card, and because this company was from out the country and I felt this was probably a scam, I would not agree to that. I just wanted a refund. So I disputed the charge with XXXX. Initially, XXXX 's negotiated a settlement with the company : they would let me keep the face masks and refund some of my money less {$15.00} for shipping. Then a second offer was made to me to refund my money less 10 % of the purchase price. I declined both. Why should I pay for this mistake? I just want my money refunded. All of it, not part of it. After I told this to XXXX, they kept my investigation file open and kept saying to call them back in XXXX weeks. I did this several times. At one point, they even closed my file but didn't tell me about it! So they reopened it in XX/XX/XXXX, and asked me to send them a picture of the wrong item XXXX the face masks XXXX. So I did that by fax. I kept following up with XXXX after that, asking for a status on my dispute, and questioning if they received my fax. and they kept saying, call back in XXXX weeks. So I would call back and get the same instructions. Finally, in XX/XX/XXXX I asked for a supervisor. The supervisor called me back XXXX weeks later and said it had been too long and they closed my file! This is not right. XXXX is responsible for not following up with ME. I received no letters or phone calls from them, just " call back in XXXX weeks '' whenever " I '' called THEM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
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: The following charge appeared on my XXXX XXXX XXXX XXXX ( issued by Barclay XXXX XXXX - https : //www.barclaycardus.com ) - the below information is copied from my current activity as listed on their website : GoFndMe* salvemos alos Ar Account ... XXXX {$390.00} XXXX Points PURCHASED BY XXXX XXXX TRANSACTION DATE Saturday, XXXX XXXX, 2021 POST DATE Sunday, XXXX XXXX, 2021 MERCHANT LOCATION* XXXX XXXX CA XXXX XXXX XXXX NUMBER XXXX MERCHANT CATEGORY CHARITABLE AND SOCIAL SERVICE ORGANIZATIONS I did not make the above donation - and I contacted XXXX on XX/XX/XXXX XXXX soon as I noticed the fraudulent transaction. It has been more than the 10 business days I was informed it would take to investigate, and XXXX has not sent me any communication regarding the charge, and has not taken any action to investigate. I have spent many days on hold with their " fraud department '', but have yet to speak to anyone there. It is nearing the end of my statement month, and despite assurances by representatives that I would not be liable, when I log into my account ( or call ), their system tells me that I owe {$390.00} I can't afford to have a late payment show on my credit report, but they are most definitely dragging their feet and making no apparent attempt to resolve this dispute. I have also reached out to XXXX, but have made no headway there in terms of determining where the charge came from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
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 have two fraudulent charges on my Barclys card XX/XX/XXXX {$65.00} apple.com/us XX/XX/XXXX {$65.00} apple.com/us The charges first appeared in XXXX. I actually contacted them while the charges were still pending and informed them that I did not make the charges. They allowed the charges to process so I contacted them again and reported the charges as fraudulent. I received written confirmation that I was not responsible for the charges and that they would be removed. The charges were not removed. I contacted them via phone and email several more times. Each time I was assured that the charges would be removed but they have not been. At one point they were removed but then reapplied a few days later .They have added late fees to my account. I continue to contact them. They told me someone would contact me but no one has. The charges remain and additional late fees remain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclays Bank of Delaware is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX, XXXX, & XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
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: We purchased a vacation rental with our Barclay mastercard in XXXX XXXX for a 2-month stay in XXXX. Guaranteed in the contract was a full credit voucher for a later stay in case the border closed. This gave us the confidence to book, plus it was paid through the supposedly reputable company " XXXX '' who has their own " Booking with Confidence/Payment Protection Plan ''. The border closed on the day of our flight ( XXXX XXXX, XXXX ) and we were denied our credit voucher. XXXX would not help us, despite their protection policies. They said we were on our own to deal with the overseas owner, with whom we have no leverage. This is a major deception in business practices and false advertising/misleading guarantees/bad faith. No one would ever book with a company like XXXX if they knew they had no protection and were on their own with overseas owners. We purchased a vacation rental, whether it was for XXXX or a later date. It is a tangible product and though we paid for it in entirety, we have been refused the product and have nothing to show for our over {$4000.00} payment. Barclay has refused to issue a refund, siding with XXXX despite our not having the product we paid for. We have had several phone calls with both Barclay ( who will not answer their customer service phone ; we were on hold for 3 hours and refused requests to speak with a manager ) and with XXXX who refuse to help. Certified letters including dozens of documents have been sent to Barclay, and also to XXXX, but to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have reached out to this creditor and the credit bureaus on multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to get a response to my disputes. the Tradeline is outdated and paid in full. I would like the negative tradeline remove from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraudulent accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A