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 account was opened fraudulently by someone using my personal information even though I provided proof of identity fraud.
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hi, I was offered to apply for a JetBlue Credit card during my flight on Jetblue and was promised I would get XXXX points if I got a credit card with them. I applied but didn't get any reward points. So it was a bait and switch. I was also not told about {$99.00} fee. Then they didn't send me any mail or notices and I got a notice my payment was past due. I never even used the card, not even once. Now they want me to pay {$99.00} and also have reported my credit to reporting agencies as 80 days past due. This is complete fraud and not only now I have to pay and it has also affected my credit. I would really appreciate your help so these predator banks don't keep praying on consumers like me. kind regards, XXXX
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: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
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 made a purchase form XXXX XXXX XXXX XXXX, and I submitted a complaint with the name of XXXX XXXX XXXX XXXX, this complaint is because the credit card company, Barclay, XXXX XXXX did not resolve my issue in my favor. The purchase I made was sent incorrectly, i did not receive the product I purchased. I have been trying to resolve the issue with XXXX XXXX XXXX XXXX, and their finmal resolution was that they sent me the right product. But it was not the case, as I demonstrated through pictures : I purchased XXXX Medium Firmness mattresses, and I received XXXX soft firmness mattresses. Barclays does not support their customers in their query for satisfaction of the products purchased from a merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX XXXX uses a third-party financial servicer, Barclay, to facilitate payments. The two entities appear separate, and do not share information about account transactions and payments in real-time. I have noticed a pattern of consistent over-charge of interest as a result, which usually is most apparent when I pay my balance in full and receive a statement that I owe additional fees/interest after-the-fact. I believe this practice is deliberate, and contrived to passively retrieve more than agreed upon interest fees in the credit contract. I have to call every time this happens and request the interest fees be reversed. The fact that the company readily acknowledges the error of additional charges and reverses the fees without question leads me to believe that they are aware, and that many other consumers may just be unknowingly paying these fees without question. I have expressed to Barclay ( in these phone calls ) that this practice is patterned, unethical, and illegal and that someone should correct the error in the system. Today I am filing complaint in hopes that an outside investigation into their practices will bring them into compliance of federal fair-trade practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75243
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My credit card with Barclay 's has been on automatic draft for several years with no problems until XX/XX/ when the bank double drafted my bank account. They took XXXX weeks before returning the {$190.00} monthly payment. Subsequently, I called and asked to be removed from the automatic draft payment program. Barclay 's sent me a letter stating my removal from the program, however they still drafted my account in XXXX. In addition, I paid the {$190.00} directly. So, once again they were double paid. After calling numerous times to no avail. Barclay 's refuses to return the extra {$190.00} or put the extra payment towards the balance. As I am typing this complaint, I am on the phone again with them. The representative stated the case number for Barclay 's is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I spoke to representative XXXX I believe was her name and she lied to me about Barclays sending me a letter last month of my credit decrease. She did not listen to my question and frustration that my credit was decrease almost a year ago before then transition of banana republic synchrony to Barclays. She seems very Sarcastic when I asked her about policy time frames of when does the bank realse the letter and just told me to call a different number. I was an associate banker at chase and I know this is not tolerable service not only it was rude but it was also the fact she lied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
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: 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: XX/XX/2023 {$710.00} I have disputed this transaction awhile back, I did not get any confirmation for this dispute case. I have no information besides the screenshot attached saying that there is an existing case but I find no information about the status of it. I have proof that a credit is due from this merchant but Barclay hasn't responded to me at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 262XX
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: Application denied
Consumer Complaint: Approximately XX/XX/2023 I applied for a JetBlue Mastercard on a promotion to earn XXXXJetblue points. I applied through Barclays on-line and received an automatic response that they could not immediately approve and additional review was required. Within a week, I received a letter from Barclays indicating that they were unable to approve my application due to one of the following reasons : Our records show that you already have or had the maximum allowable number of products with us. I do not have any Barclays products, according to my cbr I've never had any Barclays products. However, I do have products with XXXX XXXX. I believe that I have been unfairly denied credit with Barclays and the explanation provided seemed was intentionally broad in nature to potential deny consumers credit based on reasons other than credit score or credit history. I do not have any negative marks on my credit, my debt to income ratio is moderate, and my credit score is good. I believe this is a case of potential discrimination and unfair practices. Barclays did not extend an opportunity to obtain additional explanation for the denial and only provided an XXXX XXXX XXXX for questions. The application number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20120
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account was frozen on XX/XX/23, due to fraudulent transactions, that has been resolved. The problem is getting them to unfreeze the account. They tell me they will unfreeze the account and send me an e-mail in a week to ten days Two weeks later I call them again and they tell me they will unfreeze the account and send me an email. Two weeks later same thing and no results. I want them to either unfreeze the account or close it and give me my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98036
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A