Date Received: 2021-03-20
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I was told that I had to call the Credit bureau about this problem cause the company couldnt help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Issues with making payment due to current Covid environment resulted in an insufficient funds fee. Barclays customer service was not willing to refund fee. Very disappointing that Barclaycard is not helping-assisting people during this difficult time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63146
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: You never received your bill or did not know a payment was due
Consumer Complaint: In XXXX of XXXX, I received a letter from Barclay 's Bank regarding our Wyndham Rewards Visa card. I were informed that our account was past due and that they had attempted to reach us. I immediately paid the bill in full, as that is our consistent practice with all of my credit card bills, but when I checked our billing history ( they email me our statements ) I realized we hadn't received an electronic bill from Barclay 's since XXXX of XXXX. I immediately closed the account as I had lost confidence in Barclay 's ability to properly manage this account ( I had a previous incident where they had misapplied my payment to another account and held our account in arrears until they could find their error ). Barclay 's then notified the credit bureau of the delinquency and my credit went from excellent to fair. I have tried to reach out to Barclay 's to have them retract the reporting as it isn't fair that I should be penalized for two months of late payments when they never billed me for those two months. Barclay 's only suggestion was to reapply for the credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98335
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My wife and I both Applied for the Barclays XXXX XXXX XXXX Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XX/XX/XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84040
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My wife and I both Applied for the Barclays Frontier Airlines Mileage Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XXXX of XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84040
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Is the CFPB going to allow this case to be closed when Barclays response was clearly based on incorrect information? Barclay 's sent me a letter dated XX/XX/21 that if I didn't use credit card my card within 30 days, the account would be closed due to inactivity. A review online of my account on XX/XX/21 showed the account had already been closed. After calling Barclays Customer Service the same day, I found out that they closed the account on XX/XX/21 and would make me reapply to have another card. The credit line on the card was {$13000.00}, this has now caused my utilization rate to increase significantly, impacting my credit score. The representative didn't appear to know how I could formally file a complaint with his company, except to have somebody call me. He certainly didn't seem to know how to log any CFPB complaints internally. It's unclear to me how a company can send a letter saying I have a certain number of days to do something and then take action prior to allowing the given timeframe for that to occur.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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: On approx. XXXX XX/XX/XXXX I tried to rent a car on the internet from XXXX, using an XXXX Mastercard from Barclays Bank. I received an error message, and couldn't resolve it, so ended up over at XXXX, where I successfully rented a car. I never heard anything more from XXXX but discovered a charge from them for {$160.00} posted to that Mastercard. I have sent emails to XXXX, but received no response. I disputed the charge with Barclays, but that dispute was denied, on grounds " the merchant has not violated the terms and conditions of the sale. '' I appealed that denial to Barclays, pointing out that I never received anything from XXXX ( voucher, rental car, response to emails ). Barclays sent two letters denying the appeal ; one just saying there was " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '' ( and encouraging me to contact the merchant directly ), the other letter giving as a reason " the chip on the card was read and validated during the authorization process or the card was present and CVV confirmed. '' This letter also recommended I contact the merchant directly. I will try to attach copies of the documents I have mentioned, which describe in more detail what has occurred. But I would like to stress two points : ( 1 ) I never received anything indicating the car rental attempt with Rent.It went thru, or received any response to my queries to Rent.It. ( 2 ) I am upset with Barclays, both because they apparently ignore dispute letters sent to the address designated for that purpose on their statements, and then ( after I faxed them the dispute letter ) for still being assessed late payment fees and interest charges ( on statements ending in XX/XX/XXXX and XX/XX/XXXX ). If you have any questions, or need any more information, I would be glad to provide it. I can be reached at XXXX, or XXXX XXXX XXXX XXXX. My addresses are on the attached letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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: I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. XXXX XXXX and the case is still pending resolution. The permanent injunction is attached. XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Continually received unauthorized charges to my account and closed it in XX/XX/XXXX. Fraud Investigations confirmed the charges were not mine and reversed 2 out of the 3 charges and missed the third charge. Called numerous times to have the third charge removed. This was finally done but then in XXXX a fourth charge to the same retailer appeared on my account on XX/XX/XXXX, which appeared on my XX/XX/XXXX statement. Called Fraud Investigations on XX/XX/XXXX to have the fraudulent charge reversed, which XXXX confirmed was already done. In fact, the fraudulent charge was never reversed and I have now accrued penalties and interested to XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have submitted disputes and proof that someone has been using my personal information to obtain goods and other services in my name without my consent and Ive reached out to each creditors and no resolution of any on all my complaints. There are credit cards on my accounts and other items that are not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A