Date Received: 2024-02-29
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 were on a cruise to XXXX and made many purchases using this card. However, in XXXX store they offered to make us a 'deal ' on an item, offering it to us for {$100.00}. However, when checking out they said they could only charge in XXXX and charged the card XXXX XXXX. After asking them several questions about this, they said it would be converted to {$100.00} because they offered a rate of XXXX XXXX for {$100.00}. However, when the bill came in we were charged {$110.00} which I think was the currency conversion rate. The store had said they would convert it. So, yes we were apparently swindled but I thought the card offered a fraud policy. After contacting them they said we were charge the correct amount and without a receipt that said {$100.00}, which they did not give us, they would not refund this money. My complaint is that it was fraud and deception on the part of the store owner so this should be covered according to what they advertise : Use your card with confidence Count on Barclays ' {$0.00} Fraud Liability protection. With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen or breached - online or offline - you're protected. Call it " business as usual '' : Shop with confidence Use your card to make purchases anywhere in the world. Report unauthorized transactions immediately Keep an eye on your monthly statements and be sure to tell us right away if you spot any unusual account activity. Simply call the number on the back of your card. Get resolution fast If you let us know about an unauthorized transaction, we'll investigate it and correct the issue as quickly as possible. So, rest easy knowing that we've got you covered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: I XXXX XXXX and my wife XXXX XXXX, have been trying to receive to pay off our time share with XXXX. We have not been able to receive a payoff or response in reference to what we need to pay to satisfy the debt. We are trying to make a major financial purchase for our own betterment, and this is standing in the way. Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On late XXXX or XXXX I notices someone opened a Barclays credit card under my name! I immediately called the bank submitting a dispute and complain explaining that this card was opened fraudulently and that it was not mine. They said that I shouldnt be a problem, they were going to investigate and that resolution will be communicated to me. I never received this information and 3 days ago I see my credit report losing XXXX points and they reporting the card is delinquent etc. I called the bank and aparently they denied the dispute and say I am responsible of this debt and that the investigation was closed and they cant do anything. If I wanted to submit a dispute with you than do it but they had nothing else to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX I notice an alert on my XXXX account stating that I was denied for a loan/ line of credit. I reached out to the company about this concern they couldnt tell me anything and not to worry because the loan didnt get approved. I had to freeze my credit because that was a major concern to me. Ive never heard of the company or applied for any loan or line of credit. They stated they would mail me some information regarding the matter and they did not. I told the company Barclays Bank that it was indeed on my credit report. I reached out to XXXX twice about this situation and they told me I would need to reach out to XXXX about getting it removed from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2024 I sent out a secured message to the company about ways to reduce the interest rate on the account, because the rate is around 10 % higher than any other card I have. The card balance is around {$1800.00} currently, and limit as of XX/XX/2024 was {$11000.00}. The message included potentially transferring part of the balance to another card issuer and failing that look into closing the account, as fallback steps to get lowered interest rate. However, this message was incorrectly interpreted by the company and they closed the account without first contacting me by phone, mail or email to seek clarification or discuss the request specifically. I only discovered the account was closed in a cursory call to inquire about account activity and setup balance payment. There is no letter record whatsoever from the company to me about closing the account. During this cursory call, I asked them to immediately reopen the account and restore the same card settings including limits of around {$11000.00} since there was a pending request to XXXX 's management to review and lower the high interest rate. While the account was reopened, the limit they had dropped to a low level of around {$2000.00} during the premature closure, was not returned back. The terms I instructed them to follow in reopening the account after their ill-advised, premature closure was not met. I respectfully ask this company to restore the card limit back to the earlier level of {$11000.00} and to lower the interest rate per best available promotional rate. There is no justification for what happened and immediate action is needed to correct the idiocy related to the premature account closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i never opened this card balance {$480.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive been attempting to pay/settle with this company and they refuse to allow me to pay or anything and wont even give an offer or anything. Ive tried to call in several times and get this run around for XXXX mins every time for them to say wait another 2 weeks this has been going on for months. Since they wont allow me to pay to take it off my credit report or settle Ive tried disputing this all together and they keep blocking my dispute but not resolving anything with me. I want this off my credit report as at this point its fraud and hurting me. You cant hold someones credit hostage with no solution. Please help I believe Im being discriminated against
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 1. I complained after trying to talk to company 's custoemr care and seemed like no one was helping. I also complained the company by email and followed up other complaints to get this resolved. 2. Company reversed the incorrect charges and also allowed on my third attempt to make the payment. 3. On my request company assisted in closing the store card. 4. Also, company 's management reached out to me yesterday, heard my grievance and assured will take care of this for future. 5. I think, my issue is resolved and i hope for future will have better experience if i choose to build a relationship with bank again. Thanks for all help CFPB and thanks for Company 's management to resolve this matter amicably.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I called XXXX XXXX Barclays XXXX XXXX to close the card since i do not use the card. When I opened the card in XXXX of XXXX I paid a {$99.00} annual membership fee upfront for the year. I am now closing it 5 months later since i do not use it. The credit card company is refusing to issue me a prorated refund for the remaining 5 months in annual membership dues since the card is closed. They closed the card without first advising me that the annual fee is non refundable. I spoke to a supervisor, XXXX, who told me " they just dont do that '' and " its understood that the annual fee is non refundable ''. I've looked over their terms of service, and i do not see anywhere where it states that the annual fee is not refundable. Please refund my remaining annual membership fee for the remaining months that the card remains closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
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 used my Wyndham Rewards Visa to make two purchases for online reservations and had used it another time before these charges but I did not make more than {$350.00} ( U.S. currency ) value of charges with this card and I paid off the balance within XXXX months. Since that time sometime last fall XXXX or XX/XX/year>, the company in charge of issuing credit, Barclays, of Delaware claims I have not made a payment and that there is a different balance on my credit account than XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62002
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A