Date Received: 2023-11-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: COMPLAINT AGAINST BARCLAYS BANK WYNDHAM REWARDS CARD Submitted to CFPB on XX/XX/2023 Account opened on XX/XX/2023by Wyndham/WorldMark when I singed a contract to purchase into a Wyndhams Vacation Club. I thought I was purchasing one thing and received something totally different. It was a bait and switch by Wyndhams salespeople. I was deceived and misinformed as to what I was purchasing. My finances were exploited. It was elder abuse with predatory sales practices by Wyndham. I did not find out the truth of what I purchased until much later. On XX/XX/2023, I filed a fraud dispute case with Barclays Bank for the amount of XXXX that was originally placed on a Barclays Wyndham Rewards Card by Wyndham. I was assigned a case number but given no email or online upload opportunity to send them documentation that consisted of a statement of what happened, copies of emails and other documents. On XX/XX/XXXX they sent me a letter telling me to submit information about the dispute, yet no way to send the information. I was finally given a FAX number and faxed information to them onXX/XX/2023. I received a confirmation that the FAXED was received. When I called them onXX/XX/XXXX, they said they never got the FAX because it went to the wrong department. They gave me a new FAX number and I sent it again on XX/XX/XXXX asking for a confirmation from them that they received it. Never received, but the second FAX went through just as the first FAX went through. I also sent them a package via US Mail with required signature showing that they received the packet. Awaiting a response. I also submitted disputes regarding automatic payments deducted by Wyndham in addition to the XXXX for XXXX for this total amount for each month that includes XXXX XXXX XXXX It is XXXX, and I have yet to receive anything for my membership purchased in July and nothing that was originally promised to me when I joined. Wyndham also charged XXXX on the Barclays Rewards Card for a gratis stay at a hotel to calm me down so that I would wait until things were set up for me. This gratis stay is still on the Barclays Card and has never been reimbursed by Wyndham as promised. Also, the gratis stay at the Days Inn was also charged on my Barclays Rewards Card. A total of XXXX points was taken off the card to pay for the gratis stay. I have since closed the Barclays Card and am demanding release of the XXXX and XXXX for the XXXX payments for both September and October. In addition to any charges that I personally placed on the Barclays Card, that I have paid, I have also paid a total of XXXX toward the XXXX since XXXX XXXX. I want release from the XXXX and reimbursement of the XXXX that I have paid. Barclays has consistently made it very difficult to submit documentation to show fraud on the part of Wyndham/XXXX The important question that Barclays asked was whether or not I had complained and submitted information to Wyndham regarding the deceptive practices of their salespeople. The answer is yes consistently from the beginning and formally with their resolutions department beginning on XXXX XXXX. Wyndham representatives say it may take months to resolve even though it has been escalated. DETAILED STATEMENT: My husband and I came to the sales office on XXXX XXXX XXXX, because we won a free one-week trip tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on a spin of a wheel that landed on the free trip. We once had a good experience listening to a Timeshare presentation by XXXX XXXX XXXX XXXX but we also had a very bad experience with XXXX XXXX XXXX We were very skeptical, but the name Wyndham sounded like it could be legitimate. So, we made the appointment to come in and listen to the sales pitch to get our free trip. We viewed a film and then we were assigned to XXXX XXXX My husband wanted to leave, but I told him I was interested in hearing what the salespeople had to say. There was no interest at first in joining any kind of travel club. XXXX immediately began talking about how we could go to nice resorts or on cruises if we bought into a club membership. I told her we were not interested in resorts or cruises. She asked what interested us. I told her we like first-class train trips and were interested in business-class flights to Italy, as our daughter lives there, and we like to visit her at least once each year. I told her we just got back from Italy in March and that we were going to Iceland in XXXX. I told her we wanted to book the XXXX XXXX XXXX Canada for XXXX for our XXXX XXXX XXXX and my XXXX XXXX She told us we could do all of this with a membership at great discount or for free using the credits that came with membership. I also told her we like bicycling, and it would be nice to be able to stay at nice hotels while biking in XXXX XXXX XXXX or along the coast. I mentioned that we liked biking over to XXXX XXXX and had thought about staying at the XXXX XXXX XXXX overnight. She said we could stay at the XXXX for XXXX per night. I was really astounded as the XXXX is very expensive. I said back to her, I can stay overnight at the XXXX for XXXX a night? She said, Yes. She said it was on a sliding scale and that we could stay multiple nights and even for a week for a little over XXXX. I then asked her about other places, like XXXX XXXX, where I do a lot of presentations, hikes, and research for books I write. I told her we lost our rental of 14 years and were looking at paying hundreds of dollars for motel stays in XXXX XXXX She said the cost would also be XXXX per night or with small increments for added nights. So, I got hooked on the promises of XXXX hotel stays anywhere, including Italy. I know what I have paid for hotels, and that really sounded like a deal. She said that I would be able to use credits for flights, train excursions, and hotel bookings. She said that membership would be for life, and we could pass membership down to our children. Then she invited in her sales manager XXXX XXXX to join us at our table. XXXX immediately brought out a sheet explaining that membership costs XXXX but because we had come in, he could reduce the price. He mentioned a figure around XXXX, and I said way too much, and we were not interested. Then XXXX asked if XXXX was a XXXX, and he said yes. He was a XXXX XXXX in XXXX Then XXXX reduced the price to XXXX if we agreed to purchase a membership that day. XXXXl wanted a copy of the sheet he wrote on, and XXXX made a copy for him. XXXX then took the sheet and went to get a sandwich that they offered him and asked when we were going to leave. I told him I wanted to continue the discussion with the salespeople because I thought it might pencil out to be a good deal. I explained to XXXX and XXXX that I could be interested. I shared with them that my husband has some XXXX and I wanted to provide some good experiences for him while he could still enjoy them and remember them. I was still not committed because I really was not interested in paying interest on a large sum of money. That is when XXXX said that I would not have to pay interest because the cost could be put on credit cards that were interest free for six months. Then the balance could be transferred to another card so that I would have 18 months to pay off the purchase. XXXX said he would personally call me in January and have the balance transferred so that it would be interest free. I was still not sure, and for over 5 hours they kept pressuring me while my poor husband just kept saying he wanted to leave. He was the smart one. In a final summary statement I said, if I purchase this membership today for XXXX, I will get everything you promised: hotel stays at XXXX per night at such places as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; business-class flights to XXXX or elsewhere at either highly discounted prices from 45-65% off retail or for free by using credits; first-class train trips for much less than advertised retail or free by using credits; discounted car and motorhome rentals (I told them we had a trip planned to see the eclipse on XXXX XXXX and that we were thinking of renting a motorhome to drive to XXXX; no interest on payment for 18 months; we could pass ownership to our daughter who would receive the yearly credits; and resort stays anywhere around the world, including our free XXXX week. XXXX and XXXX then said they would each give us some of their own credits to make sure our XXXX vacation was paid for by giving us XXXX credits that would be posted to our account in XXXX (I found out later this was an outright lie as they did not give us any of their personal credits the credits are bonus credits that were coming to us because we signed up). After more than five hours of haggling, we went into XXXX XXXX XXXX. By that time another sales manager was in the deal: XXXX XXXX XXXX. As we went through the contract and as I asked questions, XXXX began to question if I really wanted to sign. XXXX had taken away the various sheets he had written on with the original price and the discounts on it. I asked him to give those back to me. He wouldnt, but he brought out another sheet and just wrote information about interest free payments. I have a copy of the original price he said we were getting that he had given to Lowell that shows the price before all the discounts were added. The back of the sheet shows how points could be used for business-class flights and hotels. He also wrote that retail prices of other travel trips would be discounted 45-65% off retail prices if purchased through the Wyndham Travel Club. XXXX continued to write on my copy after XXXX moved away from us. On my copy he wrote each new price before the next discount was added with each of the older prices lined out, leaving the final price I needed to pay for membership. I believe now that XXXX did not want me to have that copy showing how he discounted every price to the final price. He probably would have picked up XXXX copy, but he had forgotten about it because XXXX was at a separate table being fed sandwiches. I found XXXX copy much later in a file at home. This document describes what we were offered: we were purchasing a XXXX package that was the highest tier that was listed for about $XXXX per credit that equals 60 credits at the Platinum level that would provide everything promised, including hotel stays at XXXX per night. It was later that I learned in an email from XXXX XXXX, dated XXXX XXXXthree months after signing the first and second contractthat the XXXX is the amount per day to use XXXX XXXX and not the cost for a stay. The actual cost to stay in such places, like the XXXX XXXX XXXX XXXX XXXX XXXX, would be XXXX PLUS the cost of the room. I was totally deceived by all salespeople who were pushing me to sign the contract. I have several emails sent to salespeople reiterating and asking for confirmation that I would only pay XXXX per one night stay. They always confirmed verbally. When XXXX really questioned if I should sign because I was so unsure, I asked XXXX and XXXX if everything that I was promised would happen, and they affirmed. So, I signed. I later discovered that I did not receive what was promised and presented, which was the Platinum tier at a great discount, but instead, I paid full price for the lowest tier that did not have enough credits to really use as I needed and did not include the personal choice needed to obtain business-class flights or specialized first-class train excursions, such as the XXXX XXXX all the things that I was interested in that they said I would receive with the discounted membership. The sales team knew that XXXX and I were leaving shortly for an extended tour of XXXX. No one said anything about having only two weeks to cancel the contract after signing. When I came back from XXXX and really had second thoughts about how I had been so highly pressured into signing, I called XXXX and asked her about canceling. She said I could not because I would have had to cancel within two weeks, and it was then after two weeks of signing the contract. She said I was stuck with the membership. I decided to be positive about the membership because I still believed I had everything that was promised to me and would be able to schedule the XXXX XXXX train trip through Wyndham. I even told the sales representative at XXXX XXXX that the trip would be booked through the Wyndham travel club that I joined. I began telling friends that I would be able to stay in XXXX XXXX XXXX XXXX and better than that, I could reserve a couple of rooms at the XXXX XXXX when folks were biking with us, and they could stay there also at the highly discounted price. I told my daughter in XXXX that I would pay for flights for her and her husband through our credits to bring them here for XXXX and that we could rent a home or stay at XXXX XXXX XXXX XXXX for several days over XXXX XXXX My son-in-law then put in a request to his employer (he is an XXXX working in XXXX for a XXXX XXXX) to grant him vacation time during the holidays. I believed everything the sales team promised me that they said was true. I had no reason at that time to think anything else except for an uneasy feeling about how they pressured me and hovered over me like a flock of vultures waiting for a meal. Once I signed, they were done with me. The care I was promised never came. They were off to find another victim. I now believe they looked at our age, heard me mention that my husband had XXXX XXXX, sensed we had money and credit that they could access and thereby receive a sales commission, and they had assumed I was dumb and gullible enough to be talked into buying a membership. Well, they were correct there. I stupidly believed and trusted what they presented to me. They made it look like a really good deal. But what they had me sign was not the XXXX package discounted. It was the lowest tier at full price. This was a total, unethical predatory sales scam, or elder fraud, based on deception and false pretenses when they saw my vulnerability because of my concern about my husbands condition, my desire to visit our daughter yearly and provide XXXX comfortable accommodations on flights, and my need to have a place to stay in XXXX XXXX that was affordable. In signing this first contract, no one told me how my credit score would be affected. It dropped from excellent with over an XXXX score to good with a loss of about XXXX XXXX. I was also told to use the Barclays credit card as much as possible to earn additional travel points, although I really did not understand what that entailed, as it was never explained. What I found out immediately was that I could not use the card at all because it was declined as XXXX was placed on the Barclays card when I signed the contract (THIS IS THE XXXX THAT I AM CONTESTING WITH BARCLAYS). I immediately called XXXX and asked what was going on. He said, just pay XXXX now and they will increase your credit limit so that you can use it. I called Barclays. They said that they do not automatically increase credit. They said that there was nothing in the contract from Wyndham that said I was promised a higher credit limit. It was also a card that needed to be paid off in six months or otherwise there would be charges of 25.24% interest on the unpaid balance. Hassan said not to worry because the balance would be moved to another interest free account. I could see that this plan could become a real nightmare trap that could possibly lead to huge interest payments while my credit score would continue to drop. Again, I would have to trust a salesperson. Now I know I cant trust any of them because they are there to make a profit for themselves and will say anything to get the sale. THE SCAM CONTINUED: I was talked into signing a second contract to upgrade in order to get what I was originally promised. This second complaint does not involve Barclays, which this complaint is about. However, if you need this information about the rest of this scam - I will upload below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
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 got a car rental reservations that they charged my card back in XXXX for {$170.00}. I cancel the reservation and company agreed to charge a {$50.00} cancelation fee. They gave me a credit in XXXX for {$120.00} and then they rebill the same {$120.00} amount in XXXX instead rebill for {$50.00}. I call my credit card company and they stated they cant do anything because the company already gave me a credit in XXXX. I'm explaining that they rebilled the same amount instead the {$50.00}. The lady said cant do anything. I asked to talked to a supervisor and after placing in hold for minutes told me no one available. I'm telling her they need to give me credit for the {$73.00}, she didn't want to listen of what i Have to say. Someone needs to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} Including all associated balance transfer fees, interest, and late payment fees. These fraudulent charges were made to my account and I opened a dispute with Barclays. I called almost every week looking for an update as they never provided provisional credit and caused my credit score to fall XXXX points. They took almost 2 months to investigate and claimed these balance transfers are valid because " I have an account on my credit report where the balance transfer was sent ''. This is outright not true. Such an account does not exist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I did not authorize for this creditor to pull my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07522
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Company refuses to validate information and is openly and willing committed fraud! Bank states of someone else account isnt validate, and they are sharing my private information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Barclays Arrival + XXXX card has been denying my use of the card. I have a {$0.00} balance on the XXXX card. I notified the company I would be traveling from the XXXX to XXXX XXXX XXXX. I received an email from Barclay on XX/XX/23 acknowledging my XXXX XXXX. I tried to use the card on XXXX at XXXX XXXX and was denied twice and I called and spoke to two representatives who said my card was fine and one who said I needed to prove my identity. After giving them my full name as it is on my card ; my card number ; last 4 digits of my social ; my email address and phone number which they sent me a code to verify who I was - done successfully, they said I have to send a copy of social security card front and back, my government ID, a utility bill. Then other reps said my card was good to use and all was accepted. However, when I tried to use the card, the transaction was denied. I had sent the documents requested on XX/XX/23 and again on XX/XX/23 and when I go into my Barclays App and go to Document Center, I see my copies of my Social Security card, my Us Passport, my CA Drivers License ; my Land US Passport Card. I also have a Barclays Loan that is active and in repayment status and there is no issue with them receiving my payments ; yet when I try to use the travel benefit credit card, all my transactions were denied with no explanation. Luckily, I brought my XXXX XXXX XXXX card on my trip.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94601
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
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 am writing to dispute a charge of on {$94.00} from XXXX XXXX XXXX XXXX to my credit account on XX/XX/2023. The charge is in error because I paid cash for the rental of the golf cart because my credit card was declined. I thought it was declined due to being in XXXX on vacation. After paying cash, I called Barclays and asked why my card was declined and the rep said there is no decline nor any attempts of a charge from XXXX XXXX XXXX XXXX. The Rep said it could be a bad internet connection and the terminally probably declined it. The rep assured me my card was not charged and had no pending authorization. I was shocked to have seen a charge for {$94.00} for the XXXX XXXX XXXX XXXX. I emailed XXXX XXXX XXXX XXXX to request a refund and they said they have not received a bank credit under my card number. Also, they said I paid cash. They provided me a copy of the paid receipt! I mailed all the copies of the email communication. Copies of the receipt of the paid invoice of cash. Along with email documentation from XXXX XXXX XXXX XXXX indicating I paid cash and requesting that I dispute the charges with my credit card. Please correct the error on my account promptly. Barclays responded in a email saying I did not provide them with sufficient documents. I emailed them a copy of the receipt saying paid. I have an email and a phone conversation from the XXXX XXXX XXXX XXXX saying that I paid cash.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
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 ( along with a group of people ) stayed at the XXXX XXXX XXXX XXXX in XXXX, XXXX in XX/XX/2023. Upon check-in, the hotel made a pre- authorization on my card for things such as drinks or extras, in the amount of {$710.00}. As the money from this pre- authorization was never used, upon check-out, the hotel said it was reversing the pre- authorization, and gave me a document ( see attached ) confirming the pre-authorization ( see attached ). However, despite the fact that the hotel stated that the pre-authorization had been reversed, the amount in question remains on my card. In late XX/XX/2023, I called Barclays to file a transaction dispute ( Barclays XXXX XXXX # XXXX ) as to the transaction in question. Barclays and its employees misrecorded the reason why the transaction was being disputed. Barclays put on its records that the transaction was being disputed because I had already paid for same through some other method, when the transaction was being disputed not for that reason at all but simply because the transaction pertained to a pre-authorization ( that unduly stayed on my card ) that the merchant itself stated it had reversed. Barclays closed the dispute without even genuinely investigating it, as required by the Fair Credit Billing Act. I then wrote a letter to Barclays to request reopening the dispute, and I presented clear evidence that the merchant itself stated it had reversed the pre-authorization. Barclays again closed the dispute without even genuinely investigating it. I requested, again, for a third time, for Barclays to reopen the dispute, and Barclays again closed the dispute without investigating it. On XX/XX/2023, I called Barclays XXXX Department and was informed that my dispute had been closed again because Barclays did not receive proof that I had paid the charge being disputed through other means. This is clear proof that Barclays has not even conducted a genuine investigation ( in addition to the fact that Barclays grossly misrecorded the reason why the transaction is being disputed, as stated above ) as I never alleged that I paid the charge in question through some other means but the transaction is being disputed because it pertained to a pre-authorization ( that should not have stayed on my card ) that the merchant itself stated it had reversed.. I have, for the fourth time, written to Barclays to re-open the dispute ( Transaction Dispute # XXXX ), and Barclays has not responded to my fourth request. There is either a persistent clear misunderstanding ( as to why the charge in question is being disputed ) on the part of Barclays ( saiid clear misunderstanding would be due to Barclays own gross negligence in handling my complaint, including Barclays failure to conduct a bona fide investigation as to my dispute ), in addition to clear bad faith and intentional mishandling on the part of Barclays. On XX/XX/2023, I called Barclays again and was informed that Barclays did not intend to reopen my dispute regardless of the evidence. This is clearly a violation of the Fair Credit Billing Act, which requires credit card companies to conduct a genuine and bona fide investigation as to each transaction dispute. In this case, it is clear that Barclays never conducted any genuine investigation whatsoever as to my dispute, as Barclays is unable to even furnish the merchants version of the facts, which I repeatedly requested to Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a letter from Barclays dated XX/XX/2023, stating that the Power of Attorney ( POA ) request that I completed to let them know that another agent could act on my behalf concerning my AAdvantage Aviator XXXX XXXX XXXX XXXX account had been approved and notated on my account. I NEVER submitted any POA document to Barclays, and contacted Barclays on XX/XX/XXXX ( I was out of the country when the letter was received ) to request that they remove this POA. Although their letter states that you can mail, fax, or call them to request removal of the POA, this is false information, and I was told it could only be done by mail or fax. On this same date, I also contacted XXXX XXXX, the card 's issuer to request assistance, and was told that they could do noting to resolve my issue, and to contact Barclays. I called Customer Service on XX/XX/2023 to request information on the POA-named agent and notary signatory, and was told to speak with the Fraud Unit , where I was told that they did not have access to my account. I submitted a letter dated XX/XX/2023 via USPS Certified Mail to request removal of the POA. I called on XX/XX/XXXX, XXXX to discover that the POA had been removed on XX/XX/2023, and that I would be receiving a letter verifying the removal. I sent an email to Barclays on XX/XX/2023 attaching my initial letter and confirming that I would receive this information. I contacted Barclays on XX/XX/2023, and spoke with a Supervisor, who assigned a case number ( XXXX ), and assured me that the POA had been removed from my account on XX/XX/2023, and the information that I requested was being sent out to me. I received a letter from Barclays dated XX/XX/2023 that they are unable to complete my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A