Date Received: 2021-04-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I called to Barclays apple card to make a onefull payment and end monthly payments I want pay all since last 4 years ago but they said no to me they denied it. Im still paying me minimum monthly payment that it is all for interest i will never end to pay XXXX became in XXXX when i called them they was very un respectful with me they told Sir man fella also they use you have a trans voice man I feel denigrating every time I call them when i got the card i was paid a insuranse cuota saying if me lost my job they paying monthly minimum but they denied it too. they have m 5 years charging to my bank of American saving account minimum payment with out my permission i had to pay XXXX dlls but they charge my 99.99 % of montly mayoent to interest and I still having the XXXX to pay in my Barclays card. The account was closed with out concert my card was loccked but not my payments since 5 years ago they told me cause security reason they said they can trust in a women with a man voice they said that cause they sure i have man voice I never miss a payment they always taking the money from the women they said having a man voice bank account since the last 5 years in that moment when they receive the payment they doesnt think im a man rigth? Im denigrate Im insulted they broken my right they still my time and my money i need help to stop this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92231
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2021 XXXXXXXX XXXX I can not obtain my account number from the credit card company. In order to login to my account and close my account, compare balance to payments, and general access. They send my statements electronically online but I can't access the online portal without my account number. The card has been destroyed and when discussing with the representative they stated that they would mail me a statement with my full account number. This was a lie. The statement mailed did not include my full account number. They closed my account after I paid the remaining balance but then I received another notice of an amount due. I have no idea where this amount came from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
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 called Barclays Bank over five times for 3 charges that happened at the end of XXXX XXXX. I disputed the charges on the app. They sent me a letter saying they investigated and deemed I was responsible which was crazy since one of the charges I was across the United States for. I then called them ... The first two times I was placed on hold at the fraud department for over an hour. The third time I called I told them not to send me to the fraud department and I spoke to somebody who I demanded help me. This was on XX/XX/XXXX. This lady made me actually call the company ( XXXX ) with her to investigate the charges the charges for XXXX we called XXXX and XXXX corporate and both of them said they did not have my card on file at all and they could not locate any transactions. The lady then told me that I was not responsible for the charges and the dispute would go through I have the case numbers : Case number : XXXX, XXXX, XXXX I then received a letter saying that only one out of the three charges would be disputed and the others were being investigated I then called back again for the fourth time and said this was ridiculous since they were all from the same store and I contacted the store with the lady and the store explicitly said that my credit card was not in their system and they did not have those transactions on file. They said they would escalate the claim. I then got a letter saying that everything has been disputed but on my bill it still says that I owe the money and if I dont pay in a week I will be charged a penalty so then I call for a fifth time and they say theyre going to transfer me to the fraud apartment and I say dont do that because I am not spending an hour on hold and they said it wouldnt be an hour and they transferred me and after an hour nobodys picking up the phone so therefore I am not spending any more time dealing with this bank that clearly has issues and they are trying to steal my money!!!! They said it was disputed and are not removing the money from my account!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
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 booked a group vacation with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and I was scheduled to travel to XXXX XXXX with them on XX/XX/XXXX ( all dates are in XXXX format to match with the emails & receipts ). I made two payments using my Barclays Bank Delaware credit card ending XXXX XXXX now ending XXXX after new credit card number issued XXXX : XXXX XXXX XXXX USD *Attachments XXXX : Please see the attached XXXX XXXX receipts of payment with the confirmed date of trip XXXX XXXX postponed my trip via email on XX/XX/XXXX due to Covid travel restrictions. *Attachment 2 : Please see the attached email postponing my trip due to Covid-19 You can clearly see from that email that XXXX XXXX transfered my trip to XXXX XX/XX/XXXX XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. *Attachments 3 : Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration. Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. I attempted to open up a chargeback dispute on XX/XX/XXXX using the XXXX chargeback code : XXXX for credit - Merchandise services not received. XXXX XXXX merchant acquirer XXXX challenged my dispute with Barclays on the basis that I may have been told that I was protected by XXXX XXXX financial failure insurance on their XXXX & XXXX which is incorrect. *Attachment 4 : Please see the attached XXXX XXXX XXXX that are relevant to my booking which clearly show that insurance was in place for XXXX customers only. I am told that the financial failure insurance was always in place for XXXX XXXX customers but from XX/XX/XXXX XXXX XXXX were able to insure every customer globally and they changed the XXXX XXXX XXXX XXXX reflect this on XX/XX/XXXX. As I booked before this time, I am not insured or protected by any other method. I am told that Barclays Bank Delaware was shown incorrect evidence by XXXX which includes a screenshot of the XXXX XXXX XXXX XXXX XXXX after XX/XX/XXXX XXXX and its from the XXXX website - not the USA website which I booked from. When the challenge was flagged to my bank, they should have given me an opportunity to show them evidence that clearly shows that I am not insured. I would have been able to submit the XXXX XXXX XXXX relevant to my booking which clearly shows that the financial failure insurance was for XXXX customers only. I would have also submitted a flowchart provided the insolvency practitioners, XXXX which was sent to all XXXX XXXX customers. XXXX informed me that this flowchart was agreed and approved by XXXX themselves. Please see the red box in the bottom-left corner clearly showing that the insurance is for XXXX customers only. *Attachment 5 : Please see the flowchart provided by XXXX XXXX XXXX : please see an email sent to me from the insolvency practitioners XXXX confirming that I am not insured I have also emailed the financial failure insurance company, XXXX to get a rejection letter from them but I am informed that a reply will take up to 90 days for a response so if necessary my bank will need to keep the dispute open whilst I wait for the inevitable rejection response. I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed Civil Aviation Authority are advising me to do the same via this letter XXXX : XXXX For your reference : The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XXXX XX/XX/XXXX. Alternatively, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ). XXXX state that on chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a holiday. I would like Barclays to refund me, in accordance with the Fair Credit Billing Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a credit company that I have had an account with in good standing with since XXXX, recently ( XX/XX/XXXX XXXX reduced my available credit by almost XXXX % without notice to me, and apparently based its determination on its unauthorized review of XXXX of XXXX credit reports, despite that all reports for me indicate, that as I have with PRV, I have paid all credit bills timely and sufficiently. More alarmingly, it reduced my available credit after I made a large payment toward the bill ( from XXXX to XXXX ). This is a XXXX practice that I XXXX they are implementing broadly at this time. It needs to be reviewed immediately. The pure lack of notice is enough to suggest the XXXX XXXX nature of its actions. When I spoke with the company today XXXX XXXX XXXX, they explained to me that they accessed XXXX of my credit reports, and due to my high use of credit available ratio, they unilaterally reduced my credit as soon as I paid XXXX of my bill off. This is going to go down with the XXXX loans made for mortgages if it's allowed to continue. Notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2021 I was on a XXXX XXXX flight when I was given a promotion for a XXXX XXXX XXXX credit card issued by Barklay Bank. I called Barklay Bank today, XX/XX/2021 to access this promotion. I was told I could not access that offer via telephone and that they were not offering the promotion online either. I received the brochure and there was no written application attached. I asked to speak to a Supervisor and was told no one was available. I believe this to be deceptive advertising. The agent at Barkclay Bank offered me a different promo with different benefits that were different from those listed on the brochure. I am attaching a copy of the brochure I received. XXXX XXXX XXXX XXXX. XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Was notified of possible fraudulent charge on my XXXX on XX/XX/2021. Called Barclays immediately to let them know of the fraud. Spent XXXX hours on hold, but the person filed a case and told me they would remove the charges and file with the fraud department. a month and a half later I received a letter from Barclays that 1 of the charges was being charged back to me because the investigation showed it was legitimate charge. I tried to contact Barclay card for a week and spent over 6 hours on hold trying to get through to them to let them know it was a fraudulent charge and was not legitimate. Without success I contacted the office of the president at Barclays and received a response back from them. When I talked with them they gave me a phone number of XXXX XXXX XXXX to contact them about the charge. I called XXXX and they were helpful with information about the order, even gave me an address where the product was shipped to somewhere in North Dakota. I contacted the office of the president at Barclays again and they told me there is nothing they can do. I was suppose to have a zero liability fraud protection with my XXXX!! I don't know what to do now!!! XXXX says they can't do anything and Barclays tells me to contact XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: XXXX XXXX credit card account : XXXX Case ID : XXXX Amount : XXXX XXXX Case : XXXX XXXX XXXX Credit Card file a dispute to XXXX on my behalf. XXXX closed the case in my favor. They notified the credit card company. The credit card company gave me the run around. I had mail them the proof they need to rend or credit the funds of XXXX. They in return gave me another bogus excuse and will not refund or credit the refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hi, About 6 months ago, after many phone calls, I was assured my Barclays Account Ending : XXXX have been closed. Barclays does not allow card holders the option to close their account online like other credit card companies. I was surprised to received an email from Barclays Card an " Account Alert : Your weekly snapshot '' today, XX/XX/2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A