Date Received: 2023-11-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/, I made a payment to XXXX XXXX XXXX for my son 's XXXX. It was on time. I then got a notice a few weeks later that my payment was delinquent and I was charged a penalty. I disputed the failure of the payment. Barclay Mastercard charged me. XXXX XXXX did not post my payment to them. Where is my money : {$340.00}? Both companies deny any accountability and keep referring me back to the other company. I can not get them to give me any bank records to show that XXXX can confirm their payment to XXXX was effective. I can not get and bank records to show that XXXX did receive the money. I had to make a double payment because the first payment was not posted by XXXX XXXX XXXX. Can you help me. Where is my XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Gap/Barclay did not reach out to me prior to closing my Gap/Barclay credit card even though they had my email address & phone number on file. They informed me that they had sent notices to my phone which is not correct as I did not receive any emails or texts from them related to the account. In addition, they allegedly mailed out bills that I never received dated XX/XX/XXXX through XX/XX/XXXX on a late fee of {$21.00}. I finally received a bill at our Florida address on XX/XX/XXXX that was dated XX/XX/XXXX with a printed due date of XX/XX/XXXX. I immediately called Gap/Barclay on XX/XX/XXXX & had a long conversation explaining to them that this was the first bill I'd received & I did not realize I had a late fee due. I asked them to consider eliminating some of the additional late fees of $ XXXX & they agreed to eliminate 2 of them. I immediately paid them {$130.00} ( as on their most recent statement ) from my online XXXX XXXX XXXX account that same day & told them it would be delivered on XX/XX/XXXX. I then subsequently received a letter from Gap/Barclay on XX/XX/XXXX, but dated XX/XX/XXXX ( attached ), stating my credit card account had been closed based on non-payment. I called them on XX/XX/XXXX upon receipt of this notice. They told me they had not received the Payment of {$130.00} on XX/XX/XXXX from XXXX XXXX XXXXXXXX, despite the fact that it showed on my bank account that it had been paid XX/XX/XXXX as we had discussed on XX/XX/XXXX. They told me they were placing a " missing payment report '' to try to find the payment already made. I am amazed that they had all my contact info ( cell & email ) on my credit card account but no one even thought of e-mailing me or making a phone call to notify me about the payments not made. I have no desire to have another credit card with them, and I am very upset that my credit rating will be affected by this. My only request is that Gap/Barclay make XXXX there is no negative information on my credit report which has be stellar up to this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34275
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I went for a time share presentation with Wyndham and submitted my information for a soft inquiry on timeshares. I decided not to purchase the time share and the next day I found out Wyndham used my information to open a credit card. I called Wyndham multiple times and they have not called back after numerous voicemails. I called Barclays to report this fraud and they did an investigation but never removed this account from my credit. Barclays still has the account open never closed it. Never sent me anything. Still waiting to hear from Wyndham and am now finding out they also opened up a mortgage account. Horrible experience. I understand Wyndham initiated the action, however they are the credit card issuer and I contacted them with 48hours of the alleged application. To not acknowledge the fraud. Keep the account open and never send account information to the user is very confusing and obnoxious. The fraudulent inquiry and account should be removed immediately. And they should reconsider their business partners.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
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 name is XXXX XXXX, and this is my rebuttal I sent to Priceline/Barclay for a XXXX XXXX I never received. XX/XX/2023, My XXXX ( XXXX XXXX ) and I arrived at XXXX XXXX XXXX around XXXX XXXX. I received a email to pick up my XXXX XXXX from XXXX, which I paid in full to Priceline/Barkley for XXXX XXXX XXXX XXXX Once I got to XXXX agent, they advised me that I had no reservations. I fought with them back-and-forth because I had a email but to no avail. They instructed me to call Priceline my credit card company, after over an hour on the phone with Priceline, They advise me they sent a email to XXXX. And that my rental arrangements had been changed to XXXX XXXX XXXX. I advise Priceline that that is not my correct email address. My correct email address is XXXX. I headed to XXXX XXXX XXXX XXXX at the airport to see if I could retrieve my XXXX XXXX Upon arriving at XXXX XXXX XXXX no agent was there which led me to believe they were out of cars. After spending XXXX hours at the airport, my husband decided to go back to XXXX XXXX XXXX and purchase a car on his credit card so we could begin our vacation. I called Priceline back and told them what happened about me not being able to retrieve a car that I paid for in full, I immediately requested a refund because they sent the email to the wrong address. After fighting with Priceline for XXXX weeks on the phone every day they finally sent me a check for XXXX XXXX days later they bill me in the amount of XXXX to my credit card bill. First of all they already have the XXXX that they never sent back, then how can you bill me for a product I never received. I paid my bill because my credit is excellent. Priceline/Barclays sent that email to the wrong address now I have been fighting for XXXX days trying to retrieve my money back. XXXX XXXX XXXX has no record of myself signing or retrieving a car the day in question. I advise Priceline/Barclay that Ive never received the car. I sent a receipt from XXXX that same day, proving that I had to rent a car from another company. Price line/Barkley told me it was nothing they could do to help me to get my money back. Why do I have to pay for a XXXX XXXX I never received for XXXX This is fraudulent activity. I would like for this credit card company to return my money for a product I never received. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: While flying on Frontier Airlines the flight attendants shared a promotional offer for Frontier Airlines XXXX XXXX. I received a brochure with the inflight promotional code. On XX/XX/23 I went to applyfrontiercard.com, this website is something different. Its a fake site. So, I went to XXXX Frontier website to apply for the credit card. The application did not ask for any promotional code. I applied for the credit card and was approved. The promotional offer was different than what I thought I was signing up for. I contacted customer service immediately via their messaging platform on XX/XX/23. On XX/XX/23 I called customer service twice at XXXX and XXXX, informing them about the faulty web address and requesting that they change the promotional offer. I spoke with three representatives that werent able to add/change the promotional offer despite sharing the scenario and providing them with the inflight promotional code. The promotional offer associated with my account is earn XXXX bonus miles after spending {$1000.00} within the first 90 days. I would like for the promotional offer that I signed up for to be honored which is earn XXXX bonus miles with first purchase within the first 90 days of account opening and earn XXXX additional bonus miles as a first time applicant when a valid inflight application is submitted. In addition the fraudulent web address needs to be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
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 purchased a XXXX XXXXXXXX XXXX earlier this year in XXXX using my Barclays credit card. In late XXXX XXXX, we found that my wife was pregnant. According to XXXX XXXX policy listed on their WEBSITE - XXXX XXXX XXXX - XXXX people can not board the ship afteXXXX XXXX XXXX XXXX ( which my wife would be at the time of boarding the cruise ). According to the policy, you are to contact them and they will assist in resolving the situation. Based on this policy, I contacted XXXX XXXX to try to work with them on the situation. They wanted proof of the XXXX with letterhead from a physician THE SAME DAY ( at the time of calling, it was a Sunday, all medical offices are CLOSED ). I can provide all documentation but the lady at XXXX XXXX would not extend the dates, would not work with us on giving us time to gather the information required, and basically told us if we didnt provide it in their timeframe, we would lose over 50 % of our amount paid to XXXX XXXX which was like {$2300.00}, so we would end up losing {$900.00} + {$500.00} ( this math didnt make sense to me either but XXXX XXXX was such a hassle to deal with, I moved forward ). Since XXXX XXXX was no help, I asked them to cancel the cruise so that I could at least recover {$1800.00} of my purchase and not lose a substantial amount of money. The same day ( again, this was late XXXX XXXX ), I contacted Barclays and asked them for help with disputing the remaining {$500.00}. I provided all of the information, including what is listed above ( policies, situation, etc. ). I had to explain multiple times to the person at Barclays what the situation was, the policies, what was going on, etc. About 10 days ago, I get another phone call from Barclays stating that XXXX XXXX has disputed my {$500.00} dispute and if I had anything more to provide to Barclays... XXXX? I provided everything originally about the dispute to Barclays. I had to yet again explain to a new dispute agent about what is going on and the policy etc. I guess Barclays didn't do much or planned to do much with that information because literally a few days later, Barclays reversed my {$500.00} credit on my credit card, indicating that I lost the dispute. My issue is not so much that I lost the dispute, its that I fully expected a company I've been using their credit card for over 7 years to at least do their due diligence in giving me a fair chance at a dispute. The entire dispute process with Barclays seemed negligent : 1. I had to explain my issue to several people. Due to this, I don't think Barclays fully understood the situation despite several attempts at discussing it, therefore, I don't think I was given a fair chance at the dispute process. XXXX XXXX policy is clearly on their website. I made all attempts to resolve it and XXXX XXXX was not helpful. 2. It seems I lost the dispute, NO INFORMATION HAS BEEN PROVIDED AS TO WHY OR THE OUTCOME, I can just see it on my statement clear as day. Either way, I don't expect anything to come out of this, I'm not even a customer anymore, after this- I closed all my Barclays cards. I refuse to give a company money that has this poor of customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Barclays Bank submitted delinquency information related to my account. There were unique circumstances that led to the failure to pay the balance for two months, which has had a significant impact on my and my husband 's credit scores, and consequently, our family 's financial situation. Lack of Bank Statements : I did not receive bank statements for my Barclays Bank credit card account, which made it difficult for me to monitor my account 's status. The absence of this crucial information left me unaware of the pending balance. Physical Credit Card Absence : I did not, and do not, have the physical credit card, which further hindered my ability to track and manage my account. Without the card, I was unable to readily access information or make payments. Payment at XXXX XXXX : There was an instance when I made a payment at a XXXX XXXX by showing my driver 's license as identification. Unfortunately, I was not informed or provided with proper documentation to follow up with the charge, which eventually resulted in an unpaid balance. Good Track Record : Prior to this incident, my credit history with Barclays Bank had been consistently good. The balance of {$200.00} was relatively minor, and it was an isolated and unintentional oversight. XXXX 's Unjustly Affected XXXX XXXX : My husband is not the primary account holder, and he was entirely unfamiliar with the account in question. However, the adverse credit reporting has significantly and unfairly impacted his XXXX XXXX. This negative effect has caused serious consequences, particularly in relation to our mortgage and our ability to purchase the house we intended. I understand the importance of maintaining good financial standing and honoring my financial commitments. I also recognize that the adverse reporting was a result of unintended and unique circumstances that I was not in a position to adequately monitor or address. There were exceptional circumstances and the impact on our family 's financial situation for a minor hiccup has been disproportionate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
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 filed a fraud claim with Barclays US. My claim was denied claiming that the company produced evidence of the charges validity. The evidence was not explained to me. The representative, XXXX, told me that it should have been filed as a dispute rather than fraud, and that she was unwilling to allow me to file a dispute for the illegitimate charge. She told me that I had no choice but to pay the fraudulent charge and that if I did not, I would continue to accrue interest and late payment fees. I was left with no other recourse but to file a dispute against Barclays US. I have never had a credit card company be so rude and unhelpful, and I have had cards with multiple other companies. Stay away from Barclays US!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: About 1 week before the offer to earn {$30.00} expired ( XX/XX/2023 ), I called the customer service line to confirm that the 5 transactions outside your family of brands requirement was met. Your customer representative confirmed that I met this requirement. Then, she proceeded to tell me it is also a requirement for me to contact XXXX Credit Card that I intended to pursue this offer. I communicated this condition was not written on the offer. She said that there is a new bank handling this card and it is now a requirement. As I never received another communication changing the original offer, I request you honor the offer mailed to me and attached. Please respond 30 days after receipt of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93940
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: THEY CLOSED MY ACCOUNT AFTER I CALLED IN TO ENQUIRE ABOUT CREDIT PROTECTION, THAT PAYS PAYMENTS WHEN YOUR OUT OF WORK OR ON XXXX. I DID NOT AGREE TO A PAYMENT PLAN PROGRAM THAT CLOSES YOUR ACCOUNT WITH REDUCED PAYMENTS. I HAD AVAILABLE CREDIT AT THE TIME, SO THEIR WOULD BE NO REASON I WOULD REQUEST THE ACCOUNT TO BE CLOSED. PLEASE HAVE THEM RE-OPEN MY ACCOUNT, FOR THEY HAVE NOT BEEN ABLE TO PRODUCE ANY SIGNED PAPERWORK NOR THE ACTUAL RECORDED CALL. THEY HAVE CALL CENTERS OUT OF XXXX, AND THIS IS WHAT HAPPENS WHEN THERE IS A XXXX XXXX AND THEY DONT UNDERSTAND ALL THE FACTS. THE REP DIDNT DO THEIR DUE DILIGENCE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A