Date Received: 2023-10-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I disputed a Charge with barclays and they are not siding with me because they don't understand how to read the merchants policy. They told me they are not attorneys. So because they are misunderstanding the policy they will not side with my dispute. The dispute involves a purchase of an airline ticket. I bought the ticket and asked for the merchant to cancel within 3 hours of the purchase. Their contract of carriage allows all tickets to be canceled within 24 hours unless the trip is within 7 days of travel. So I purchased the ticket months in advance and I sent a cancel email within a few hours. The department of Trasnportation that regulates airlines put this law into place to protect consumers. Barclays has failed to be able to comprehend the law and contract of carriage. I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Applied for jet blue plus card. Called because checked status online and said denied. Was told that I wasn't actually denied yet, that needed to provide more information on XX/XX/XXXX. I indicated that I did not feel comfortable sending front and back of my social security card. Was given option of sending my 1040. I asked about blacking out social security number and was told it was fine. Sent it in, waited was still denied because 1040 was blacked out. I called several times and was given the option to send it in again with my husband and daughters socials blacked out and mine visible as they were not on the card. Called next day to confirm fax number and again confirmed blacking out their socials. Faxed the document with my full social visible. Requested several phone calls back, no one called me back. Spoke to one manager who said that they didn't receive fax but confirmed again that it would be ok with blackouts. Found out I'm denied AGAIN based on blackouts. Credit was approved almost instantaneous can't get through security and continuously lied too. Employees including managers give different stories and each says the last person was wrong. Filed with the XXXX XXXX XXXX, the office of the president finally calls me back. They promise to look into it. Take a few days, get back to me that they are sending me a letter regarding the XXXX case ( still have not received it ) and were going to make it right by me. Promised to have the letter within XXXX hours as of Wednesday XX/XX/XXXX around XXXX. It is not Thursday XX/XX/XXXX, have not received said letter, have sent multiple messages, phone calls. No responses from anyone. Feel very goated into giving information that from the XXXX phone call I informed them I was not comfortable with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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: In the month of XXXX, when I was going to make the payment, I noticed a charge for XXXX and I called Barclays bank and reported that I had not made that purchase. They told me that they were going to investigate which merchant it was. They delayed a month and sent me the first letter on XX/XX/XXXX saying that they contacted the merchant and it was XXXX XXXX that I had authorized that purchase. I contacted the XXXX XXXX department and that purchase was made by the website because they hacked my XXXX XXXX account and they made two Encisos but only one was approved by the bank. On XX/XX/XXXX a fraud case was opened with XXXX XXXX and they gave me case number # XXXX to give to Barclays bank. On XX/XX/XXXX I went to the police and made a report about the fraud. On XX/XX/XXXX I sent them the police report by email and Bayclays Bank opened a case again to investigate. On XX/XX/XXXX they sent me the same letter again that I have to pay the XXXX because they contacted the merchant the same people that they have told me during the months I called them again, spoke and explained to them what type of investigation they did when there is an open case with a police report and XXXX XXXX also has a fraud report. They told me the same thing, we are going to open another case and they do not resolve anything and the charge is on the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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: This is now my 3rd attempt to try to resolve a dispute submitted on XX/XX/XXXX on my Barclays Business MasterCard. From the very beginning, Barclays has clearly demonstrated an unwillingness to fairly adjudicate this matter. Despite touting their liability protection on purchases for business customers, Barclays continues to manufacture a variety of excuses to avoid dealing with this dispute claim. From account representatives in the dispute department, to agents assigned to investigate, to supervisors who can not be reached directly, to the Office of The President, there is no accountability at any level of the company. For some context, I am a long-time Barclays JetBlue cardholder . I have both business and personal cards. My entire family has Barclays credit cards. I am what is considered a " high value client. '' Nonetheless, my dispute rights are being violated. In brief, the dispute is over a {$50000.00} deck that was supposed to built by a subcontractor I hired in XXXX of XXXX. I paid this subcontractor through XXXX, his preferred method of payment. I have used XXXX for over 5 years. Hundreds of transactions paid for goods and services, mostly done on a XXXX XXXX credit card. I have never had any problems. That includes several individual disputes also initiated on XX/XX/XXXX for the same subcontractor for the same job. All investigated and adjudicated by XXXX. ( attached ) No issues whatsoever. I used my Barclays business credit card for ONLY {$3000.00} of the $ XXXX in payments for this job. I paid the 3 % XXXX credit card fees to have the protection of my credit card company, in the event goods or services are not produced. As it were, the dispute centered around work that was paid for and never performed. I have ample documentation, which I have provided to investigators working on the XXXX disputes. However, just a few days after filing the dispute with Barclays, I received a denial letter dated XX/XX/XXXX ( attached ). An investigation was never opened. The verdict read : " services were rendered... the merchant is due payment. '' Not exactly a thorough investigation. As this case was escalated, Barclays kept switching the excuse. The second reason, now presented to me as official letters from the Office of the President, ( attached ) asserts XXXX does not offer dispute rights on these transactions. That would mean XXXX has a different standard for Visa and MasterCard when it comes to disputing charges. XXXX categorically denies this. Given my experience with Visa disputes for the exact same merchant, exact same payment method for the exact same job, I also know this is completely false. The third excuse claims the method in which the XXXX payment was made violated XXXX terms and conditions and therefore is not disputable. I have spoken to XXXX at length. They deny each and every excuse presented by Barclays. The fourth excuse, and easily the most galling, is that the time to file a dispute has passed and now there is nothing they can do. What Barclays has effectively done here over the last 2+ months, is run legal interference for a subcontractor who willingly defrauded a " valued cardholder. '' This case has been escalated as high as the Office of the President. It has not moved the needle at all. Only a frustrating barrage of false, insufficient responses, sparse communication and endless excuses. XXXX has sent several emails ( attached ) stating that this case must be decided by my credit card company. XXXX as a payment processor, or the method in which XXXX payments are processed holds no barring on this dispute, according to XXXX. If Barclays Business MasterCard would like to restrict all purchases made on XXXX, they should do so. Immediately. Or, at the point of purchase, it should explicitly state that by paying for services on XXXX, the cardholder waives all liability protection. It should also explicitly state that XXXX transactions are treated as ATM cash withdrawals built with astronomical recurring hidden fees. None of this was disclosed. It has been over 2 months. A dispute was never opened, investigated or fairly adjudicated. I will keep trying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/23 I went to the Gap ( XXXX XXXX location ) to return items and made a purchase. I tried to use my Banana Republic Master card and it was denied twice although there were available funds on the card. Due to the nature of the return the Gap Associate needed my driver 's licenses to process the return and I then had to enter my SSN to access my card. Once this was done my purchase was processed, but my receipt had a different credit card number associated with it ( see attached document ). I was advised to call the Barclays ; and I did on XX/XX/23, both the Barclays agent and manager that I spoke to were unable to confirm the credit card number on the receipt. On XX/XX/23 the Barclays manager contacted Gap agent who was also unable to confirm credit card number on the receipt. I am now very anxious that something fraudulent/suspicious has transpired. No one can advise why my receipt has an incorrect card number but somehow my correct credit card was charged. The Gap and Barclays associates I have spoken to thus far were unable to resolve this concern. Barclays ( Gap ) has since sent me a new card but that still does not put me at ease due to the fact that this unverified credit card number is associated with my SSN when I used it at the GAP location. I did not have any issues with the card prior to this incident on XX/XX/23.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A credit card application was submitted in my name without my consent and/ or knowledge of the application until I received a inquiry alert.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: account continues to become compromised beginning in 2015 after attempted wire transfer from this credit card to a NY address. Bank transferred my account to Barclay. have had several problems of not being able to use card, have been told by customer service I am not making payments on my statements. While I have paid all accounts owned for credit cards in full every month. When asked to speak with fraud dept they stated there is no one to speak with, I just need to make more payments. Have had charges of $ XXXX {$3.00} charged to card, that I did not make, reported to card company, and reissued new card. When I logged on to account, it will state I have new cards to activate, yet I had not requested any and have the card in my possession. To date account problems unresolved and no investigations initiated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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: A charge was put on this credit card on XX/XX/XXXX. I cancelled the charge on XX/XX/XXXX in writing certified mail. I called Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to complain about this charge, they told me I had to go through the company who charged the card and work with them. I did that. The company who charged it stopped responding in XX/XX/XXXX and never refunded my money. I contacted an attorney, the XXXX and CFPB about the charge and nobody could help me. They said the company didn't respond, so there was no was to get the money back. I send a dispute in writing with all of the information to Barclays two times, CFPB and the XXXX, and the Federal Trade Commission. I called Barclays to get help with this multiple times. Still, no help. I had a payment plan set up the whole time with Barclays for XXXX XXXX, they changed it to XXXX XXXX with no notice. The card was supposed to be XXXX interest for XXXX XXXX, they started charging interest with no notice. Barclays has refused to help me with this charge, and has added insult to injury with a charge that was cancelled. Today, I cancelled all payments and put a stop payment on them at my bank and cancelled the card. I have never used this card for anything, the only balance is the original charge that should have been refunded within 30 days. The balance is {$10000.00}. There should be no balance on this card. There should be no interest accruing on this card. The payments should have been exactly {$120.00}, no more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 540XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In 2022 the issuer of old XXXX credit card changed from XXXX bank ( visa ) to XXXX bank ( master ). They did this without giving me any prior notice that my credit card account would be changed to a new one and did not give me in time to prepare to change my auto payments on the XXXX card. I had auto payments set up on the XXXX card to pay for the land rent of my house. I received the new master card on XX/XX/2022 and I was still oblivious of the details, partly due to my language barrier. I assuming that the account number was still the same. In beginning of XXXX my land lord called me that the payment did not go through on the XXXX card. So I have to try the new master card. It went through. But at that point I have already spent the money in my check account that was supposed to pay for the rent. Thus this change of card without any prior notice has had, and continue to have a huge financial toll on both my family and I. My XXXX XXXX dropped from XXXX to XXXX. Right now I owe old navy {$3300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to formally dispute an inquiry that was reported on my credit report on XX/XX/XXXX. I would like to emphasize that I never applied for or authorized this inquiry, and I believe it is inaccurate and lowered my score to due to this. I have called Barclays as soon as I saw that it was being reported and have been in contact with their customer security department and was provided case # XXXX and application # XXXX ( XXXX XXXX ) and they told me that as of XX/XX/XXXX a request was submitted to confirm there was no inquiry or application but it still shows on my credit report as of today XX/XX/2023. Contacted Barclays one more time XXXX and there is no letter or email they can send to confirm that the correction was submitted on XX/XX/XXXX. I have thoroughly reviewed my records, and I can confirm that I did not initiate any application or request that would have led to this inquiry on the mentioned date. Therefore, I kindly request that you investigate this matter and remove the unauthorized inquiry from credit report as soon as possible. I understand that under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up to date information on my credit report. This unauthorized inquiry is not only affecting my credit score but also causing undue stress and conern.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A