Date Received: 2023-11-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for this credit card as they had a promotional offer of XXXX XXXX. After meeting all the criteria set forth in their terms, they stated my promotional offer was only for XXXX XXXX. I took a screenshot of the offer I signed up for when I was registering. I brought this to the companys attention twice. I was told they would look into it, but never heard back. I then reached out online and thats when I was told about the XXXX XXXX. It doesnt make sense. Thats not the promotion I signed up for. I wouldnt have signed up for this card had I known the promotion for points was so low.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was referred again from a law firm. I noticed the inquiry on XXXX XXXX XXXX the inquiry was from Barclays Bank Delaware. I called XXXX which is the credit reporting I seen it on they told me to call the company because I wanted to dispute it right then and there XXXX would not do this via phone they said I would have to make a formal complaint for dispute which I didn't understand the verbal wording, then gave me a XXXX XXXX and said call the company I then called this particular company Barclays Bank of Delaware in doing so the first representative or customer service rep said oh I see you apply for a credit card didn't give me a specific date but this is what the first rap said I replied no I didn't XXXX I've never had a credit card not with your company or any other company for that matter so then she sounding undetermined and are confused transfer me I then was either talking to a supervisor or a XXXX I asked the same question why are you on my report if I did not apply for any of your services y'all have hindered my credit score by this fraudulent inquiry to a negative XXXX points with my score. the supervisor or XXXX replied well we don't see any account with your particular personal information sir but what I can do is tell you to call back the credit reporting agency and tell them that we don't have no information on you I said I called them first and they told me to call y'all all I'm trying to do is get this rectified still to no avail I am now making a complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card on XX/XX/23 and got denied. The credit card was Jet Blue Barclays Mastercard. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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 initially contacted Barclays Bank about a billing dispute of {$3900.00} on XX/XX/XXXX and responded to their letter immediately with explanation of the dispute to XXXX. On XX/XX/XXXX, I faxed to Barclays, XXXX a letter ( again ) with detailed documentation explaining the details of my billing dispute. We booked a reservation with XXXX in XXXX, XXXX for XXXX. The XXXX XXXX Wildfires broke on XX/XX/XXXX that continued on XX/XX/XXXX and XX/XX/XXXX. 10 days before our proposed reservation, I was in communication with XXXX and the Host. I emailed the Host to informed her that the Office of the Governor, State of Hawaii, issued a Third Proclamation Relating to the Wildfires ( enclosed copy of the Proclamation in the email ). The Proclamation declared a " state of emergency '' to the counties of XXXX. Communication was cut off and forced closure of roads and schools, evacuations in the XXXX XXXX, XXXX and XXXX ( this is the location of the XXXX condo ) area. The wildfires caused catastrophic damage and destroyed the infrastructure of XXXX NOT to mention the number of people who lost their lives and are homeless. The resources were very limited. ONLY ESSENTIAL TRAVEL TO XXXX. ALL NONESSENTIAL TRAVEL TO THE ISLAND OF XXXX IS STRONGLY DISCOURAGED AS INDICATED ON THE GOVERNOR 'S PROCLAMATION. I also received numerous cancellation notices from all the XXXX XXXX that we enjoyed dining. These restaurants were destroyed by the wildfires. XXXX XXXX and XXXX XXXX XXXX gave us immediately refund with no questions asked. Under these circumstances, how can you enjoy your vacation specifically in the " XXXX area ''? Ground zero of the wildfires and devastation. XXXX was destroyed and the local people are suffering not mention homelessness and lives lost. Total chaos! All the news media outlet was broadcasting the wildfires devastation for days as well as tourist trying to leave the island. XXXX people have flown out of the XXXX XXXX since XX/XX/XXXX. " Essential travel only to XXXX '' during our proposed XXXX reservation. In fact, the Governor of Hawaii, various non profit organizations as well as the XXXX people were asking for help such as food, water, shelter, etc. and financial assistance. How do you go and enjoy your vacation when there's devastation in XXXX where's you're staying and people suffering?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I had an old XXXX XXXX XXXX which I used once this year in XXXX for {$36.00}, which I immediately paid off. Then in XXXX got a statement from old navy/barclays saying I owed $ XXXX and I immediately called and told them I hadnt used my card since XXXX and reported the usage over summer as fraudulent and asked they close my account. They said they closed it and reported the transactions as fraud. I had this same conversation about 8 times and kept getting called daily by Barclays, they insisted there were notes on the account and it was reported as fraud and closed. Then I got notification from the credit bureau that my account was in collections cause of Barclays. I called Barclays, they apologized and said that the previous people hadnt marked the transactions as fraudulent and that she was going to do it and send me a letter regarding the investigation. I got the letter, then my credit score went back up a little bit but not fully. I called again and was told that my balance was XXXX and not to worry cause the fraud was under investigation and it would be reported to the credit bureau as fraudulent. Now I went to apply for a home loan to buy a home and was denied because of this on my account, and speaking with XXXX they say Barclays did not accept the fraudulent report and lied to me, about 7 times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below BARCLAYS BANK DELAWARE XXXXXXXX XXXX and BARCLAYS BANK DELAWARE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I went to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA to purchase skateboard parts for my stepson and his friend. Upon arrival during normal business hours, I saw that the store was closed with a sign that provided a phone number for a representative to open the store. I called and spoke with XXXX XXXX, the store owner, and she asked that we meet her at the front door so she could open the store for us. We then found the parts ( trucks ) {$64.00} and went to the register to process the purchase. However, XXXX was struggling to process my credit card and requested to run it multiple times. My stepson stayed in the store, while I walked out to take a call. My stepson then followed me with his parts and was not given a receipt. The store owner then closed the doors giving me no access to go back in for a receipt. Before leaving the parking lot I called Barclays to confirm the charges, since she ran my card multiple times. I spoke with a customer service representative that confirmed there was only one charge for {$64.00}. A few days later I went to the grocery store and attempted to use my card but was declined. I then called customer service and I was told that my card had a lock due to potential fraud. I called customer service when I got home and was told that my card was locked due to a {$660.00} charge from XXXX XXXX XXXX XXXX. I explained to the representative that the charge was incorrect and shared what happened with the store. I immediately called the store, and the manager did not answer. I then began a text conversation with her where she acknowledged she had made a mistake. See attached text message print. Ive had multiple conversations with your customer service department about this incident. I called in to the concierge service and spoke with a representative who identified herself as a manager, and she advised me that this would be resolved, and I would not have to worry about this. She suggested that I call back after XX/XX/XXXX because my account would be credited by then. I subsequently learned that Barclays had sent letters to my old address with a determination that my request to credit the {$600.00} charge was denied due to not having a receipt. When I did receive this letter, I called Barclays on XX/XX/2023, and the customer service rep explained that there had been a decision made and to resend the text messages and to request the dispute be reopened. I immediately faxed a request to reopen my dispute and sent copies of my text conversation with the XXXX XXXX XXXX XXXX where she admits the processing error and stated she would credit the account. Its now XX/XX/XXXX and there has been no resolution. Ive driven to the skate shop multiple times and the store is always closed. Ive also called the owner multiple times with no response. I do not believe that my dispute has been handled by Barclays with appropriate consideration. I do not understand why my card was flagged by Barclays for fraud, and I am appalled by the misrepresentation of your concierge service representatives. Satisfactory resolution would have been to reverse the {$600.00} overcharge. I've submitted a letter to Barclays sent to Barclays Card Services XXXX XXXX XXXX XXXX, DE XXXX with this description and a complaint to the FDIC. Thank you for your attention. Your assistance with this matter is appreciated. See attached text correspondence with Retailer Manager/Owner where she acknowledges the overcharge and states she will credit the account, but clearly lied and upon further research in the community I was told by other consumers that they have experienced same issues and have a history of fraudulent activity. Best, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Barclay has lowered my credit limit twice in the past six months or so. The first time, they lowered it dramatically. The second time, they lowered it by {$1000.00}, just a few days ago. When they do this, they send a letter in the mail -- so I find out when I receive a credit score alert. I pay on time, generally more than the minimum. There have been no late payments that I know of. We recently went through some transition and are recovering from financial setbacks, as many people are. However, we are fortunate to be in a position to pay the account in full within the next two months and terminate my relationship with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Barkley Bank Delaware refused to accept my claim of identity fraud and the fact I had proof the account was opened fraudulently by someone using my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Barkley Bank Delaware refused to accept fact the card was opened fraudulently by someone using my personal information even when I provided proof I was a victim of identity fraud. They continue to report to the credit reporting agencies this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A