Date Received: 2023-11-07
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: Subject : bait-and-switch scheme RE : XXXX XXXX XXXX card XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Amount Paid : XXXX Payment Method : Barclay Credit Card I agreed and confirmed that the price for car rental was {$280.00}. ( see attached ) Upon arrival to pick up the car, I was requested to pay an additional {$170.00}. I refused to pay, did not take car delivery, and left the office. XXXX XXXX XXXX XXXX runs a classic bait-and-switch scheme, especially geared toward XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). Unfortunately, XXXX XXXX XXXX card involved and supports this bait-and-switch scheme and refuses to fix this situation. To confirm my view, you can also visit those two sites : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You'll see literally hundreds complains about XXXX XXXX XXXX and XXXX XXXX XXXX Regard, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
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 XX/XX/2023 I received an alert that someone applied for a Barclays credit card at Barclays Bank Delaware in my name without my permission. I received a hard inquiry on my XXXX Credit Report from Barclays. I immediately called Barclays and spoke with a guy in the fraud department who found the application and stated they would submit it as fraud in their system and XXXX should receive something within 30 days for removal of hard inquiry, also the guy stated I would receive a letter in the mail within XXXX business days. I never received the letter after 30 days of waiting, so I called Barclays on XX/XX/XXXX and spoke with XXXX people in the investigations unit, and all of a sudden they have no record of anything, not even the conversations. I called again today XX/XX/XXXX and spoke with the fraud department and the representative as well was unable to find or locate the application or any previous conversation that was had. This is unacceptable because the hard inquiry still shows on my XXXX credit report. Barclays Bank Delaware - XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2023-11-07
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: I am being charged interest rate on purchases despite paying off my credit card on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I check my credit score with the bureau and realize that hard inquiries on my credit score that I dont know about
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
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.
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: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, The Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates 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-end consumer credit plan as late for any purpose. *************************************************************************************************** In accordance with the fair credit reporting act, The Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates 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-end consumer credit plan as late for any purpose. Barclays Bank Delaware, XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/2023 Hello, I have an American Airlines AAdvantage Mastercard ( Barclays ). The purpose was to earn award miles to help with travel cost. I have a son in XXXX and want to help him with holiday travel cost. They offer a gift or transfer option for the miles. I was going to gift XXXX miles to my son and guess what they want to charge me {$900.00}. So, I tried the transfer option surely, they wont charge me for the miles I already spent my money to earn. Wrong the want {$450.00} for this option. Not to mention the fact that the mileage ratio is a joke you need XXXX mile to fly XXXX way XXXX to XXXX?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18974
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
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 XX/XX/2023, I placed an order online with a merchant for {$160.00}. Soon after, I received an email stating that my order was unpaid. I clicked the link on the email to complete my order. I then received an email stating that my order was paid. The following day, I noticed I was charged twice for the same exact order. I tried contacting the company via phone, but they would not return my calls. When I contacted the company via email, they said that two of the same orders were placed. I asked that one of the orders be canceled because I did not need two of the exact same orders. They stated that unfortunately they could not cancel the order at this time. They instructed me to go to my local post office to cancel the package. When I went to the post office, they stated that this [ canceling the package ] is some thing that they could not do, but that the merchant should cancel the package. I contacted the company again via their app to let them know and asked for a refund. I explained that when I received the package, I would return it. The merchant said that I had to pay {$30.00} to return the {$160.00} of items. I explained that this was not my fault, but on fault of the company. I tried again to schedule a " hotline appointment, '' but they never called. They were adamant that I would have to pay {$30.00} to return the second package. I contacted Barclays to dispute the charge on XX/XX/XXXX. I did not hear back from Barclays until XX/XX/XXXX when I received a letter in the mail stating that after review they were siding with the merchant. During this time, I was not notified about any information that Barclays may need however, I did try to contact Barclays via phone throughout the process. At no point was I able to speak to someone directly about my open dispute. After the decision of siding with the merchant was made, I sent Barclays back several pieces of evidence that shows the merchant was unwilling to except the return and that they fraudulently charged me for two of the exact same orders. Barclays dispute center only receives information/evidence via mail, which makes it very difficult to immediately hear back from Barclays. On XX/XX/2023, I received another letter from Barclays stating that they again have closed the dispute in favor of the merchant and advised me to contact the merchant directly. I contacted the merchant several times in XXXX and they were unwilling to accept the return. Now it is more than XXXX days since my initial dispute was opened and the merchant has a 30 day return policy. At this point, I am unable to even take a {$30.00} loss. Both my husband and I have Barclays Frontier credit cards. We always pay our bills on time and have a revolving credit of several XXXX dollars. I would highly dissuade anyone from opening a frontier credit card as they are unwilling to protect their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Barclays Car, have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end 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: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A