Date Received: 2023-11-28
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 placed an order with XXXX that was never delivered. I tried to dispute this online but that option was not available. I tried to dispute this by phone but they have a habit of disconnecting you " accidentally ' after long holds and many transfers. I have tried disputing this in writing as well with no success yet. I provided proof that XXXX acknowledged the item was shipped to the wrong address. The credit card company is purposely making this impossible in the hopes that consumers will give up. The company has not responded to me. They refuse to speak to me by phone, other than to say a letter is coming. I have yet to receive any letter. I received an email from XXXX promising a response by email. That response has yet to come. In the meantime, they have brazenly flouted the requirements of the Fair Credit Billing Act. They continue to take action to collect the amount in dispute, imposing interest and requiring payment on the disputed amount. Since Barclay 's refuses to abide by its obligations, I ended up paying the amount in dispute to avoid further collections and interest. The company provided a response to Complaint XXXX by attaching a file ( XXXX, XXXX ), but that file is corrupt and can not be opened. That complaint was closed despite my concerns not being addressed and despite the Company 's noncompliance with the law. In addition, my complaint is threefold and the Company 's response fails to address any of the issues raised. First, they have failed to assist, at all, in my billing dispute. On information and belief, they have failed to contact the merchant or investigate the claim at all. Second, they have implemented a customer complaint system specifically designed to discourage and thwart consumers in the exercise of their rights. Finally, they have brazenly flouted their duties under the Fair Credit Billing Act by failing to respond to my dispute despite promises to do so, and by continuing to attempt to collect the amount in dispute and charging interest on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have had a Barclays card for more than a decade. Around 3 years ago I put a freeze on the card and tried to close the account. Around 2 years ago I noticed on a credit check that the account had not closed and I went to close it again. Today I get a notice that they put a charge on my card and are asking for a past due balance. I went to figure out what's going on and to again try to close the account. The number listed on their site was for an apartment complex in New Hampshire. I messaged their service on their site to no response. The apartment complex gave me the correct number and I called multiple times however anytime the automated prompt asked for me to say representative it just hung up, similarly it hung up if I said " account closure '' after repeated attempts. I JUST WANT THISA ACCOUNT CLOSED!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80516
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
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: On or about XX/XX/XXXX someone hacked into my XXXX account and posted XXXX seller listings that generated over {$5000.00} in sellers insertion fees. XXXX recognized the fraud and credited all but {$660.00} in fees to my account for this fraudulent activity. Despite repeatedly asking for the {$660.00} to be credited back to my XXXX account, XXXX failed to do so and an agent at XXXX told me on the phone to just file a dispute with my credit card company reporting the identity theft and fraud, and it should be no problem in getting credited back the funds. On XX/XX/XXXX the {$660.00} charge appeared on my statement and I immediately contacted Barclays to dispute it on the basis of identity theft and fraud. At that time a temporary credit was issued and I received a letter confirming account closure due to suspicious activity. I received no further correspondence from Barclays until on or about XX/XX/, when I received a letter dated XX/XX/XXXX stating that the matter had been resolved in my favor : ... '' after conducting our investigation, we have determined that you are NOT [ emphasis added ] responsible for the reported fraudulent activity ... '' Notwithstanding that, on XX/XX/XXXX I was shocked and chagrined to find that despite the foregoing, my Barclays credit card was again charged the very {$660.00} that I was told I was not responsible for! I called Barclays customer service on XX/XX/XXXX to see if such an obvious mistake could be immediately rectified, but the representative simply stated she would re-open the dispute and assigned me a case number. She requested I fax a copy of the very letter dated XX/XX/XXXX that exonerated me, ( which clearly Barclays should have already had as they authored it ) along with information about law enforcement agencies I had reported the matter to. There was no immediate resolution in my favor as I had expected given the letter I had received. However, in the spirit of cooperation, I did provide fax to Barclays the requested information that same evening on XX/XX/XXXX and also followed up with a copy of the same correspondence by U.S. mail with a tracking number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: There was a charged item in the card statement in XX/XX/XXXX for a XX/XX/XXXX charged item {$56.00} plus. I disputed the amount and never been resolved. Subsequently I requested to close the qccount in XX/XX/XXXX and until now the account is open and accumulating interest and late fees. Please keep this complaint in your record file against Barclay or Credit Card Service with business address of XXXX XXXX XXXX, XXXX, DE XXXX.
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: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Starting on XX/XX/2023, to present I have not been able to log into my credit card account with Barclaycardus. I've gone through the verification process several times, then changed my password as instructed but the new password never works. I called three times to get customer support to help with no avail or resolution. The call center is outsourced to the XXXX making communication difficult here in the United States. When I explain the situation, they have me repeat the verification process that I tried on my own and the same problem happens with no resolution on their end. There is currently no way I can monitor my account when I can't log into it. Whenever I change my password, it says that I have successfully changed it. Then, below that message it states. " OPPS! sorry for the inconvenience but your request could not be processed, please try again ''. Obviously, the problem is an IT issue, and they don't know how to correct it or resolve my problem. When you speak with one person, they then hand you over to someone else to speak to with the same result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX as I was shopping, a customer service agent asked me if I would like to apply for a store credit card. I informed her no due to a hard inquiry would come on my account, and the customer service agent still went through and processed the store credit card without my knowledge. They asked for my ID to match the card I was using, but they were filling out the store credit card application, which I did not approve of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: They illegally went into my account and took {$250.00} for a {$40.00} bill. They are giving me the run around and saying they will send a check then I call back to confirm and they never sent said check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2023 I made my regular minimum monthly amount due on my XXXX XXXX Barclays XXXXXXXX. A few weeks later I then decided to lower my balance so I set up another payment on their website for {XXXX} A few days later, unfortunately the payment did not clear my bank. The credit company again tried a XXXX attempt to clear the payment and it was denied. I then waited for the next billing cycle and the website told me my XXXX amount due was {$29.00} and I made that payment on time. It is important to note that up until now, I had never been late, missed any payments, nor was I in collections for attempt to collect a debt. A few weeks later in XXXX, I logged into the XXXX XXXX Barclays website and I was greeted with a Minimum amount due of over XXXX} dollars. I then spent from XX/XX/2023 until XX/XX/2023 ( XXXX Months ) trying to call them and ask why my Minimum monthly amount due was so high. For XXXX months I was given various different answers from all the account specialists that answered my calls. Some said it was an error due to the payment not clearing between XXXX billing cycles, others said they were collecting on the payment that didn't clear, then others said " Oh there isn't a problem your monthly amount due is around {XXXX '' and I had to tell them that my statements and the website told me my " Minimum monthly amount due '' was sky-high and now over {XXXX} due to late fees. I was told there is no problem just pay the " Monthly amount due, it's different ''. However, every time I called I was greeted that they were attempting to collect a debt. I even sent a XXXX certified mail letter to dispute my problem and my case was closed saying there was no error on my account. I called back furious and asked for a XXXX. I was given a XXXX and promised my problem would be resolved and that a different XXXX would call me back in a few days to resolve it. They never called me. I called back and my case had been reviewed and closed again claiming " no error on the account '' I was transferred to collections, and they told me " It's an error for sure, but it looks like the system can't catch up because there has been no activity since then. Can you make a payment or purchase? '' So I agreed to a XXXX XXXX payment for XXXX} and waiting for the next billing cycle to roll on XX/XX/2023 and my minimum monthly amount due was still over XXXX} all because of the initial voluntary payment that didn't clear back in XXXX XXXX. By now, I found out I was being marked late each month on my credit reports. Even though I was disputing this very issue for XXXX months, Barclays marked me late XXXX XXXX, and then around XX/XX/2023 they Closed my account! I called back and was told my account was closed because I didn't make my Minimum monthly amount due for {XXXX} and the lady that read it to me was almost in shock as she read it. Then I asked for a XXXX and the XXXX told me after careful review in their " Back XXXX '' they do not plan to resolve my problem by putting my minimum monthly amount due back to normal and clearing my delinquent credit report and letting me resume payments. Problem : XXXX ) Barclays is blatantly violating the cards Terms and Conditions on how they shall calculate a XXXX XXXX. XXXX ) They threatened action against me to collect a debt that was caused by their own clerical/computer error while I was disputing the case XXXX ) They closed my account while I was disputing the case XXXX ) They Reported me delinquent to credit agencies for the problem while I was still disputing it XXXX ) They failed to send me a thorough explanation in writing on why they chose to not resolve my problem ( Even though they violated their own terms and conditions calculating the Monthly amount due ) XXXX ) They are discriminating against me as I exercise my rights under law to dispute my bill because they keep marking me late and trying to collect debt, and closing my account. XXXX ) Ultimately they are trying to collect on a returned payment, however the payment was an 'extra payment ' or 'a voluntary payment ', not XXXX scheduled on an invoice ( those were always paid on time ). If a friend says hey I'm going to give you {XXXX and you say sure, and you go to their home to get the money and the friend says " Oh-No, I'm really sorry but I don't have that after-all ''. Do you as a person then XXXX they give you the money the next month? XXXX sounds like XXXX 's does! If XXXX were to review the said terms and conditions it is clear they are in violations of calculating the monthly payment, and they are violating Federal Trade Commission laws and regulations in regards to the above listed problems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. Account Information : BARCLAYS BANK DELAWARE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
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 received fraud alert on XX/XX/23 via text. At that time I responded I do not approve the transaction as it was not known or authorized. My card was placed on hold and I was unable to use it. I called Barclay on the next business day to report the charge as well as 2 others I found not authorized. I also flagged the charges online. When I spoke directly to the fraud department about a week later they said there was no record of reported fraud although they did see a mistake was made that I declined authorization of purchase that was posted to my account 48 hours after card was placed on hold. I went through the entire process of reporting again and was assured it would be thoroughly investigated and result provided in XXXX statement cycles. I called the fraud department two more times ( after about 2 months ) and was given no updated information and told they had 90 days to resolve it so I would have to wait. I have accrued finance charges on the purchases that totaled about {$1500.00} ( total fir 3 purchases ). It is now well past the 90 days and there is no resolution and I have reviewed zero communication from Barclay concerning the fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46037
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A