Date Received: 2021-03-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX initiated contact with XXXX XXXX via email on XX/XX/XXXX with an attachment for a 1099-C form for BarclayXXXX. I, XXXX, the taxpayer, never received this form in the mail, and I have already filed my taxes for the XXXX tax year. Barclays is refusing to accept responsibility for this when I got them on the phone and asked them why I never received the form and why XXXX XXXX XXXX received it on XX/XX/XXXX, roughly a month longer than the deadline for taxpayers to receive legal documents in order to file their taxes. I wouldn't make any of this up, because I received two other 1099 forms which I happily filed with my taxes. One from XXXX XXXX and one from XXXX XXXX. Barclays claims they sent it out via XXXX on XX/XX/XXXX. They couldn't confirm whether they sent it to me, the taxpayer, or just XXXX XXXX XXXX, however. This is infuriating because this creates a mess for the taxpayer and quite honestly, if the company or individual responsible for sending the form can not, it should be their responsibility to deal with the after effects. I'm also contacting the IRS to let them know of the neglectful nature of this ordeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
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 about 6 months ago now, that I've been having problems with the purchase after about two weeks of that purchase and I've tried on multiple occasions to have the merchant fix which they could not. My purchase of a XXXX XXXX has not worked and I've contacted the merchant and they told me it was an update issue which they have not had a chance to do, so I waited a few months, then after that update the problem got worse which I told the merchant about and it wasn't till last month of the last time the merchant tried to fix and again not successful at. The merchant, XXXX then told me that is was indeed like I thought was the router that was really the fault because it was defective and the merchant refused to replace which is still under warranty and has stop all response to me, so I contacted my financial institute and they, Barclays is defending them in the act of not honoring their product by telling me that they fell the merchant has not had a chance to resolve the problem. I've waited 6 months with this merchant and had multiple on-line repair sessions with the merchant that their technicians can't fix, and admitted to it and on top of that stop responding to me after telling me they can't send me out a replace because they no longer have a shipping account, nor is refunding me and Barclays says the merchant didn't have time to resolve it after 6 months .... Well I clearly gave them time and they stop responding to me and Barclay " feels '' different!! how is Barclay to come up with that and not honor my dispute after my multiple attempts to reach out to the merchant with no success. Barclay is aiding them in not honoring my warranty and closed their dispute case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclay 's seems to delay posting of payments, perhaps to earn fees. This has happened a couple times, but they haven't charged me any fees ... until now. I mailed two payments onXX/XX/2021 : Check XXXX XX/XX/21 XXXX Check XXXX XX/XX/21 XXXX These checks should have reached them and been posted by the payment deadline of XX/XX/21. Today ( XX/XX/21 ), I received a statement incuding {$27.00} late fee and {$28.00} in interest. I feel like Barclay 's has intentionally chosen a payment address ( California - I'm in Illinois ) to maximize fees and interest. If they provided a closer payment address, payments would be subject to less delivery time variance. But I'm not convinced that is the only problem. I mailed both checks at the same mailbox at the same time. Yet they did not both post on the same day. So it appears that they do not necessarily post payments on the day they receive them. It all seems very suspicious to me. I do not feel that I should be penalized when I have mailed my payment 5 days before the due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
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: XXXX XXXX XXXX canceled my XXXX XXXX cruise and gave me a credit for {$390.00}. On XX/XX/XXXX, Barclay sent me check # XXXX. I misplaced the check so I asked Barclay to send a replacement check for {$390.00} on XX/XX/XXXX. On XX/XX/XXXX the they stopped payment on that check but I did not find out until XX/XX/XXXX. Then on XX/XX/XXXX they sent me a check for {$70.00}, check # XXXX. I have no idea where that amount came from since I was expecting the check to be {$390.00}. I deposited that check thinking it must have been an overpayment for something else. I got a notice from my bank XXXX XXXX XXXX that the check for {$70.00} XXXX XXXX ) was returned due to a stop payment on XX/XX/XXXX. My bank charged me {$10.00}. On XX/XX/XXXX I again sent a message to Barclay telling them that the check I received was not the amount I was expecting. I then called Barclay customer service and the person I talked to apologized and gave me 100 points for that bank fee of {$10.00}. She also said they were going to replace the check I lost and confirmed it was going to be {$390.00}. This occurred around the end of XX/XX/XXXX. On XX/XX/XXXX there is a credit for & XXXX and then on XX/XX/XXXX they sent me another check for the same amount of {$70.00}, check # XXXX. I still have this check and did not deposit. I once again called them about the {$70.00} and again said the check was suppose to be for {$390.00}. I was again told that I would receive my {$390.00} check on XX/XX/XXXX. I received a check for {$130.00} - no idea what this bank is doing to me! On XX/XX/XXXX I found the missing check for {$390.00} and not realizing that a stop pay had been put on it I deposited it and again it was returned by my bank, charging me another {$10.00}. I feel I am getting nowhere with my requests since this has been going on for 5 months. I have made numerous calls to their Customer Care department asking to speak to managers about this issue. Even the managers told me I was going to get a check for {$390.00}! Barclay can check my call records showing the above. So on my statements are these amounts XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( {$70.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX idea what this is for!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had two charged off accounts from 2019 with Barclay 's and have been trying for months to pay it off and settle it and have received nothing but grief. First it was sent to XXXX XXXX XXXX then it was sent back, then back to XXXX, then back to Barclays. I've been told by several people that " we can't locate your account and don't know where it is ''. No one can find the accounts and as of today I have made more than 314 calls over a 3 month period without resolution!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX ENDING IN # XXXX CLOSED CHARGED OFF BALANCE TRYING TO SETTLE ACCOUNT AND HAVE UPDATED PAID TO CREDIT BUREAYS AS PAID XX/XX/2020 OFFERED SETTLEMENT OFFER AT 45 % XXXX ACCEPTED OFFER BUT WAS UNABLE TO KEEP AGREMENT DUE TO MEDICAL EMERGENCY I.AM REQUESTING ORIGINAL AGREEMENT BE REINSTATED I AM WILLING TO SETTLE THE ACCOUNT IN 15 BUSINESS DAYS WITH AN ACCEPTABLE OFFER TO ME
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Barclays Bank account ending # XXXX because the reported late was a result of Covid, I had a personal loss during covid and I ask that due to the unprecedented times and the natural disaster declared by FEMA that you can update the report to paid as agreed or not reported in the month you are reporting the late pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I noticed unauthorized charges on the card and called the company, Barclay Card about the issue but it has not been resolved and the charges totalling approximately 6000.00 kept appearing until the card was cancelled. The companies named on the invoice were XXXX, XXXX and XXXX, none of which i contacted although I do have a XXXX account. I have contacted the company several times. Paying these charges would very difficult in the present circumstances and is causing tension in the home, so i would like to resolve the matter as soon as possible. As a credit card customer who pays a yearly fee i thought i was protected from fraud of this sort, however i was unawware and not alerted to suspicious activity. For example over 70 charges rngeing from XXXX to XXXX were billed on a single day to these companies, shouldn't i have been notified? Thanks for your time and consideration, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
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/XXXX, while in XXXX XXXX, I made a reservation, over the phone, with a hotel, the XXXX XXXX, located XXXX XXXX, XXXX XXXX, using my Barclays Aviator XXXX XXXX XXXX Mastercard. The reservation had my party checking in XX/XX/XXXX and checking out XX/XX/XXXX. While making the reservation, I explained to the representative that our party consisted of XXXX0 people ( 8 adults and 2 children ). The representative explained that our party would fit comfortably in the 3 rooms that we were reserving, because the rooms were were getting contained a total of 4 king-sized beds. The total for the reservation {$2000.00}. Upon arrival at the XXXX XXXX, I went through the normal process of checking in at the front desk and receiving the keys to the three rooms I had reserved. However, upon entering the rooms, I quickly noticed that we had not received the accommodations that were explained over the phone. All four of the beds in the 3 rooms were, in fact double beds, not king-sized beds. I immediately returned to the front desk to explain the problem with rooms. There was not enough space for our party. Their resolution was for us to rent another room or to purchase inflatable mattresses to provide more sleeping space for our party, but that they could not offer any other solution. Understandably, I was upset with the situation, and decided to contact my credit card company. I had to use the International Collect number to explain the situation. I was told by the credit card representative, XXXX, to take pictures of the rooms, if possible, to show the discrepancies of the actual rooms compared to the description I was given over the phone to provide evidence in my upcoming dispute. I was also told that I could not proceed with a dispute claim over the phone with her, that it was her the company 's policy that I create one online. I explained that I would do just that. We left the hotel and did not stay one night there, due to the fact that their representative had been dishonest with us in describing their rooms and that the beds were not large enough to accommodate our party. We were able to find another hotel and stayed there for our time in XXXX XXXX. After checking in at our new hotel, I immediately used my computer to begin my dispute. However, Barclay 's website explains that all online disputes must wait 14 days after the purchase to begin a claim. They did however, have a phone number to call regarding disputes. I immediately attempted to call the number, but unfortunately by this time in the day, their offices were closed. I called first thing the next morning, XX/XX/XXXX, to get as much information as possible. To my pleasant surprise, I was able to initiate my dispute on that day XXXX, XXXX and received my Case ID : XXXX. I was told by the Barclay 's representative to save my invoice from the second hotel that we were actually staying at for further evidence that we did not stay at the hotel. I asked him if the phone call was being recorded to also show that I was not staying at the XXXX XXXX XXXX. He assured him that it was being recorded. At this point I received a provisional credit covering the {$2000.00}. Fast forward to XX/XX/XXXX. I had not received any correspondence from Barclay 's, up to this point. On this date, I received a letter explaining that Barclays was unable to pursue credit on my half, due to the fact that the merchant supplied documentation that details what the transaction represents. Also included in this letter was the statement, " If you have additional supporting documentation that was not previously disclosed, you may reassert your claim within 10 days of receiving this letter by sending a signed and dated letter to : Billing Disputes XXXX XXXX XXXX XXXX, DE XXXX ''. Before doing so, I called the Dispute department to make sure I was going about the process in the correct manner and to try to ascertain as much information from them as possible. The Barclay 's representative explained that my claim has been denied because the merchant had claimed that " services were rendered ''. This was clearly not the case. I had called Barclays on the date of check-in and explained that whole situation at that we were not staying. I also had initiated the claim the following morning from the hotel that we actually stayed. I found it unacceptable that Barclays would communicate with the merchant throughout the " investigation '', but not one time reached out to it's loyal customer for information. Despite this fact, I gathered all of my evidence and moved forward and reasserted my claim within the time frame given by Barclays. Fast forward to XX/XX/XXXX. I received a second letter, dated XX/XX/XXXX, from Barclays explaining, " After further review, we're not able to assist you with obtaining a credit to your account due to the following : Merchant has not violated the terms and conditions of the contract. Once again, not one time did anyone from Barclays attempt to communicate with me during their " investigation '', yet during both phases of their investigation were able to communicate with the merchant. Once again I attempted to contact Barclays via phone on XX/XX/XXXX at approximately XXXX. I was placed on hold at waited 2 and half hours until XXXX and was hung up on. XXXX is when their offices close. I called back the next day, XX/XX/XXXX and was thankfully able to get through. I was told that the claim was closed and that there was no other help that would be provided by Barclays. I asked to speak to a supervisor and after jostling back and forth with the representative, was finally placed on hold to wait for the next available supervisor. After being on hold for nearly 45 minutes, the representative came back on the phone to explain that no supervisor was available at this time. He took my phone number for a manager call back. He explained that I could expect a call within 10-15 business days. I found this hard to believe that no management was available to assist customers for up to 4 weeks including weekends. So, that is where I am at right now in the whole process. My bill of {$2000.00} is due on XX/XX/XXXX. Thank you, XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40505
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've seen it all over the internet that you must mail your credit card payment at least 14 days before the due date. Really? that's funny because I can get a check all the way across the country in two days to someone who wants my money and in the bank on day three. I mailed a check a week ago to my credit card company and they " haven't gotten it. '' I've had over a dozen credit cards, over the years, and it seems that some companies are good and some aren't. I have mailed my check in a week early ( 5 days ) and gotten a late fee, and guess what, my check shows up in in my account ONE DAY AFTER the late fee and due date. Of course I tried playing their silly game and mailed my check in 14 days in advance even though the money wasn't in the bank. I figure, okay if it's going to take 14 days, then I'll have the money in the bank by then. Guess what, 3 days later, into their account it goes and into my bank it comes with a nice little bounced check charge, if not a charge AND a returned check from my bank. That little " one time '' {$20.00} credit card payment just cost me {$75.00}. Here I am back at square one with a missed payment on my credit report {$75.00} poorer and that's only if they run it through once, it really gets fun if it goes through twice. The credit card company still wants their payment and the minimum payment goes up from there. It seems like this is a one way street. You can't convince me that there is one little old lady with XXXX posting checks and she's just way behind. I know from experience that " some '' credit card companies set checks aside until after the due date just to get the late fees. Can I prove that? Nope. Will they admit to that? Nope. I know that they want us to pay over the internet because BOOM they have our money now, they didn't have to handle anything, process anything, no time, no expense, no costs. I also understand that this is the " industry standard. '' So how come XXXX is doing so good with next day deliveries. People don't want to wait 14 days for their stuff. They don't wait 14 days for charges to go on my credit card balance. They don't wait 14 days for my check to clear before it goes into their bank account ... it's 3 days tops and usually one or two. They don't wait 14 days to charge me a late fee, it's the next day. The " industry standard '' is pretty poor. Maybe it's because it's pretty poor industry. I call up to plead my case and get a little ONE DAY grace and they refer me to their rules ... .What 's the little consumer supposed to do against the multi-million dollar credit card companies and their lobbyists? Nothing!!! Except play their little stupid games until I can pay off the credit card and cut them all in half and pay CASH for everything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63123
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A