Date Received: 2024-02-27
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: On XXXX XXXX I filled the following complaint with the CFPB. Here is the complaint. On XX/XX/XXXX I called what I thought was XXXX XXXX Customer Support.The purpose of the call was to change my award travel ticket to a different date. The phone was answered Customer Support so I had no reason to think it was anything other than XXXX XXXX. The support desk said they would change the ticket date for me but in the transaction they asked my for my credit card number. I thought this was very odd but I mistakenly gave it to them. I was worried about it and after I hung up, I called XXXX XXXX again to make sure the ticket change was legitimate and it was, Two days later I received a phone call from XXXX XXXX XXXX asking me about a charge for {$980.00} from something called XXXX XXXX XXXX. I said that I did not authorize any transaction to XXXX XXXX. I disputed the charge since I never spoke to anyone at XXXX XXXX XXXX. When I disputed the charge, MasterCard- through Barclay 's Bank , issued a credit for the amount and investigated it. After the investigation and my speaking to Barclays on XX/XX/24, they claimed that XXXX XXXX showed documentation that I authorized the charge. Barclays said that because I authorized the charge they would not cover the {$980.00}. I asked if they heard a phone recording or what documentation did they receive to substantiate that claim? I tried to call XXXX several times. No one answers the phone and I also emailed them to ask about the charge. I never received a reply. Barclay 's Bank representative says that because the travel agency said that I authorized the charge that means that I did. But I did not authorize anything to XXXX XXXX. I have since found out that XXXX is a scam company. My complaint is with Barclays Bank and the XXXX XXXX XXXX. Since this complaint was filled I asked a friend to call the phone number that I used to change the ticket addressed in the complaint. I have attached the recording. XXXX XXXX confirms that they do not charge a change fee for award travel and that they never received any money for the ticket change. XXXX XXXX also confirms that there was no cost for the service because it was a date change and there is not charge for date changes on award travel. The money XXXX XXXX charged me went to their travel service and not XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Barclays card and paid off a balance in full on my last statement of {$2800.00}. The next month I got a bill ( statement ) for {$10.00} for interest even though I had no charges and my bill was previously paid off in full. This is the second time this has happened and I had to call and speak to a supervisor to get it removed. The employees said they were just following company rules and had no choice in the matter. They explained that the company still charges interest on the same day of the month ( I believe it was the XXXX ) but I paid my bill way before it was due. No other credit card company does this. Only Barclays. Needless to say, I canceled my card and demanded that they take off the bogus interest charge because I will not pay it anyway. This is fraud and is totally wrong and unethical. They are making money off of bills that have been paid off. I have a copy of my statement if you need it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85756
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I dont recognize the centrally inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a denial for credit extension from ( mention the card company ). The reason provided was incredibly unbelievable, unethical, and confusing. The card company noted that the reason for denial was " too many recent applications, '' which is like saying, " We don't like you. '' However, this reason doesn't make sense as they did not deny me the right to extend credit via information from major credit bureaus. I want to bring to their attention that approximately six months ago, they granted me an account that was paid off and unused, which was closed due to inactivity. The application number for the same is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
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: My husband & I went on a cruise from XX/XX/XXXX- XX/XX/2023 with XXXX XXXX XXXX XXXX and prior to boarding we gave them a credit card with a {$3000.00} limit and was also given a substantial amount of onboard credit and casino promotions. When we got home we opened their app ( we could not while on the ship because we had no internet service ) and we were charged {$17000.00} on a {$3000.00} limit card. We do not and still not believe we spent this kind of money. We tried requesting a copy of statement with date and time charges but to this day have never received anything from XXXX XXXX XXXX XXXX XXXX who runs the casinos onboard ). Not a call, email, statement with date and time. Tried filing a dispute with the credit company and told them exactly what happened and at first sounded like if XXXX XXXX did not reply it was in our favor. Spoke to them at least 70 times and after all these times they stated we could not file a dispute because of the kind of charges they were. We were very honest and up front to what this charges were at first and they were fine with it! You would also think after talking to 70 people, no exaggeration one would know you could not dispute these charges. I have talked to many account managers from Barclay and they all come up with something different. Even some have told me not to pay, this should have never happened and they have never seen it happen where a credit card has gone so far over the limit. Dont believe XXXX XXXX has ever discussed this with Barclay they credit card company. What is odd though Barclay is also the bank for Carnival XXXX XXXX and XXXX XXXX XXXX XXXX credit cards?? So who we were trying to file a dispute with is Barclay 's customer also but a bigger one. Barclay is trying to blame XXXX XXXX for all these charges but I believe the credit card company is the one who denies it when you go over your credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
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 purchased 2 tickets for " XXXX XXXX XXXX XXXX XXXXXXXX '' for Saturday XXXX XXXX through XXXX in the amount of {$280.00}. Mind you I am almost XXXX XXXX XXXX and have always purchased through XXXX and this company advertised almost exactly the same, however after the purchase ( which I also found out later was double the cost of what the tickets should have been ) I received nothing from this company through my email or texts. I DID check all of my email folders like SPAM and JUNK and still NO TICKETS. I paid for these with my ( Old Navy ) Navyist Rewards Mastercard account ending in XXXX. I tried reaching out to XXXX through a 800 number where I was told they could not help me and I needed to contact my credit card. Since then, I have called numerous times. The first time I wrote down that I had called was on XX/XX/2023 I spoke to a " XXXX '' where I explained I had NOT received any tickets. I was given a case # XXXX and told to try the merchants # again which the gave me as XXXX and that they too would look into the matter. Proceed to XX/XX/2023 where I received a letter from Barclays/old Navy Credit Card stating they have notified the merchant and they are waiting for a response. On XX/XX/2023 at XXXX I again called the credit card and spoke " XXXX XXXX and she proceeded to tell me that the merchant ir providing them proof that I had received the tickets and they would be sending me copies of this " proof '' and that no refund would be issued at this time. They could not tell me how or through what means I supposedly received the tickets but that they would be sending me all the info. Which has never happened. I am beyond frustrated, I have been a great customer not only with this Credit Card but with all of my credit card companies. My credit score will reflect this. I also, am on a fixed income and this was suppose to be a present with my XXXX that she never got and I am out almost {$300.00}. Please help me with this. I NEVER RECEIVED AND USED THOSE TICKETS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99208
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing in response to your recent email concerning a hard inquiry complaint I submitted through the Consumer Financial Protection Bureau ( CFPB ). Thank you for your communication regarding this matter. Upon review, I discovered a hard inquiry on my consumer report dated XX/XX/XXXX, which I was previously unaware of. As such, I formally request that Barclays Bank takes the necessary steps to remove this inquiry from my XXXX consumer report, in accordance with relevant consumer protection laws, including those established by the Federal Trade Commission ( FTC ) and other applicable statutes. Furthermore, I am exercising my right to revoke consent for future contact via email, phone calls, and text messages. I trust that Barclays Bank will adhere to consumer protection laws and refrain from contacting me through these channels going forward. Please acknowledge receipt of this letter and confirm when the requested actions have been completed. Thank you for your attention to this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
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 XX/XX/2024 {$97.00} XXXX XX/XX/2024 {$230.00} XXXX XX/XX/2024 {$450.00} On XX/XX/XXXX I contact card company to let them know that there were fraudulent charges on my card. The card company requested that since I do use XXXX to prove that I used a different method of payment for my personal accounts. On XX/XX/XXXX, I sent via USPS tracking number XXXX, four months of another credit card that is used to pay my XXXX bills to this credit card company as proof that they were not my XXXX transactions on their card. On XX/XX/2024 I received a letter stipulating I did not send them the information and they would not be crediting my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
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: This is a formal complaint against Barclay Card XXXX, AA Advantage. I accidentally made too large of a payment ( the entire statement balance {$3600.00} ) in XX/XX/XXXX, leaving my new balance to be {$1300.00}. I called customer service requesting a refund in the amount of my statement balance payment of {$3600.00}. My XX/XX/XXXX statement reflects that on XX/XX/XXXX, the return of payment in the amount of {$3600.00}. It also reflects an additional NEW charge on XX/XX/XXXX from " Identity of Authorizer Unknown '' in the same amount of {$3600.00}. This error made my new balance {$8700.00}, Instead of what it should have been : {$5300.00} I called customer service and was immediately transferred to the fraud department. On XX/XX/XXXX, I received a letter of acknowledgment from the credit card company and was verbally told to not make any payments until they " figure it out. '' Now it is XX/XX/XXXX, and they have closed my account and are sending me to collections for lack of payment, regardless of them acknowledging their internal, double-charge mistake. This has also resulted in my credit being dramatically impacted, as well as several other of my credit cards reducing my spending limits. The new total, including interest and fees is over {$9000.00}, instead of what I actually owe, which is in the {$5300.00} range. I don't know what to do. I have spent over 28 hours on the phone with them since XX/XX/XXXX and have gotten nowhere. All of the hard proof and evidence is presented on my pdf statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to bring to your attention a concerning discrepancy in the reporting of my credit history by XXXX, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with Barclays Bank, account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is imperative that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that Barclays Bank is inaccurately reporting a late payment on my account to XXXX. This discrepancy is particularly alarming as the late payment is not reflected on my credit report with XXXX, indicating an inconsistency in reporting among the major credit bureaus. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, Barclays Bank is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports. Additionally, in accordance with 15 U.S. Code 6802, Barclays Bank is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from Barclays Bank , as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to control the dissemination of personal information and operate fairly in commerce. The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family. In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in Barclays Bank 's reporting. I also request that Barclays Bank be held accountable for their failure to provide me with the necessary opt-out information as required by law. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A