Date Received: 2023-09-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/XXXX I Charged {$78.00} for free XXXX pre-check fee. They will not re-imburse for this fee where I qualified for up to {$100.00} refund. They keep responding " we are unable to assist with the inquiry You book online at the priceline website using this visa card and they advertise XXXX rewards points. I have booked over {$1300.00} where they reroute the purchase through XXXX a " partner company '' and only pay XXXX points. Again they respond with we are unable to help with this inquiry. XX/XX/XXXX purchased a trip to XXXX for {$3100.00} on XXXX charges went thru XXXX on priceline XXXX points on XX/XX/XXXX and {$700.00} re-routed thru XXXX charges for XXXX XXXX XXXX points XX/XX/XXXX XX/XX/XXXX purchased stays in XXXX XXXX XXXX priceline with rewards visa and shows up as XXXX XXXX {$200.00} XX/XX/XXXX, XXXX XXXX {$200.00} XX/XX/XXXX, XXXX XXXX {$190.00} XX/XX/XXXX all being re-routed thru XXXX at XXXX points They will not do anything about this stuff other than make you talk to a person for XXXX who can't speak understandable english and then send a note a week later saying " we are unable to assist you ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX THIS COMPLAINT IS DIRECTED TO THE CONSUMER FINANCIAL PROTECTION BUREAU and SHOULD ONLY BE RESPONDED TO DIRECTLY FROM an AUTHORIZED AGENT OF THE CFPB, and NOT the RESPONDENT, BARCLAYS ' Bank. Dear Consumer Financial Protection Bureau, On XX/XX/XXXX, I received a letter from Barclays, stating that it denied my credit application that I submitted to Barclays back on XX/XX/XXXX, because when I, in good faith, exercised my right to file a consumer complaint against Barclays with the CFPB under complaint number XXXX, a year ago on XX/XX/XXXX, that I allegedly sent a copy of the CFPB complaint to Barclays at a representative 's home address and included that address as part of the complaint that I submitted through the CFPB public website on XX/XX/XXXX. These allegations are untrue. I did not send a copy of the CFPB complaint to Barclays at a representative 's home nor has there been any supporting evidence that anything was mailed to Barclays at a representative 's home. Furthermore, I had no knowledge that the address that was included in the CFPB complaint for the Dispute Advisor at Barclaycard, was that of a representative until receiving the letter from Barclays dated XX/XX/XXXX, which stated that the address was that of a Barclays representative. Nor would I have known the address for any Barclays representative, and the address for the Dispute Advisor at Barclaycard that appears under the CFPB complaint number XXXX was obtained from another public website under Barclays contact , and not for any one specific representative at Barclay. For these reasons, there were no basis to deny the application " based upon improper and unacceptable interactions '' allegedly had with a Barclays representative regarding my former Barclays account. The most that can be said is that the application was denied on the basis of my age, gender, marital status, race, color and/or for in good faith exercising my rights under State and Federal Consumer Protection laws by submitting the CFPB complaint. When I responded to Barclays ' letter through the CFPB portal on XX/XX/XXXX, it closed the complaint as a duplicate. On XX/XX/XXXX, I requested that Barclays explain why CFPB complaint number XXXX was closed as a duplicate without being addressed by Barclays when it was submitted in response to the XX/XX/XXXX correspodence received from Barclays and the FACTS alleged were materially different from those that were alleged in CFPB complaint number XXXX and relate specifically to events that occurred AFTER submission of that complaint, namely the facts that were disclosed for the first time in Barclays XX/XX/XXXXXXXX correspondence. On XX/XX/XXXX, Barclays closed that complaint out too as a duplicate without addressing the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have 4 Hard Inquries on my credit that i did not do i was trying to figure out why i could not get approved for apartments i dont know if i was supposed to reach out to each company but i need help with removing off my credit this is an huge error i wasnt sent any letter in the mail or anything XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
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: XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Tel : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Credit Card, I have unauthorized charges on my card. I filed the fraud disputes and sent an online message on XXXX. I closed the cards online and requested new cards. I have already received the new cards. I wrote a letter on XXXX and faxed it to Barclay on XXXX and XXXX. XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$100.00} XX/XX/2023 XXXX XXXX {$75.00} I had two Barclay cards in XXXX XXXX The Barclay website has a button to order a duplicate card. Only one of my cards was stolen. The second card was in my home. Thus, I had a card, and both were not stolen. I am reporting Barclay to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX for not providing fraud protection. The charges are fraud and are not authorized by me. Barclay should know that I had two cards in active use and used the duplicate button. Also, it is possible to have a card stolen and used, and then replaced in your home, hotel, or wallet. It that situation, the thief had access to your home, wallet, or hotel. A thief can be a co-worker, employee, guest, maid, intruder, hotel manager, or family member that made unauthorized charges. Barclay is not considering all of the possibilities for fraud. Please reverse the charges on my account due to fraud. If I need to sign paperwork, please mail it to me. Please send me a confirmation letter that you received this notification of fraud. I prefer to receive status updates by paper mail. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023 I applied for and received a balance transfer from one of my credit cards to my Barclay AA Advantage Master Card. Barclay transferred the Balance and charged me a {$450.00} balance transfer fee. A few weeks later, on XX/XX/XXXX, I was charged their {$99.00} annual fee. I have been making regular payments on my card and then I noticed I was getting charged small finance charges every month. When I called Barclay customer support, I was told by a Customer Service Rep XXXX and her Manager, XXXX that these finance charges were being charged because of the balance transfer and annual fee. Section 1026.4 ( c ) ( 3 ) states Fees charged for participation in a credit plan are to be excluded from finance charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a 0 % balance transfer on my Barclays Mastercard account in the amount of {$6000.00} on XX/XX/XXXXXXXX which expires XX/XX/XXXX. I have been making payments in the amounts of {$250.00} - {$600.00} or more to pay the transfer balance in full by the expiration date. On XX/XX/XXXX I initiated another balance transfer in the amount of {$1500.00} which expires XX/XX/XXXX. At that time, I had a balance {$3300.00} remaining on the first transfer. On XX/XX/XXXX I made a {$500.00} payment with the expectation of it being applied to the first balance transfer due to expire in XX/XX/XXXX. However, my XX/XX/XXXX statement showed that my 2nd transfer had a balance of {$1100.00} although it had not even been a month since opening it and the first transfer had a balance of {$3000.00} which meant only {$220.00} of my {$500.00} had been applied. When I contacted Barclays, I was told the computer determines how payments were applied since both had a 0 %. I complained at that time they were forcing me to make accelerated payments ( paid {$2500.00} on XX/XX/XXXX and {$950.00} on XX/XX/XXXX ) on both transfers to make sure I did not miss the XX/XX/XXXX expiration and that I should be refunded some, or all of, the second transfer fee since I was not getting the benefit of the promotion. I spoke with multiple employees to include a supervisor about the issue with no resolution and received the same reason that the computer decides how to apply the payments which they can not override, although the agreed with what I was saying. In speaking with customer service in XXXX I was told when within 60 days of the promotion expiration, the payments would be made to the promotion due to expire within 60 days. Yet as mentioned above the XXXX payment didnt go entirely to the XXXX expiring promotion, the computer elected to split the payment. I was also told the balance of on the {$6000.00} transfer was only {$370.00} yet that was not reflected on my XXXX statement. In reviewing my XX/XX/XXXX statement there was a balance of {$840.00} for the first transfer ( not {$370.00} as stated by customer service ), so I made a payment on XX/XX/XXXX in the amount of {$950.00} to ensure the first promotion was paid in full prior to expiration on XX/XX/XXXX. I then called Customer Service the same day and was told they saw the payment pending and told me my promotional balance was {$370.00}. It was not until this call that I questioned them about the discrepancy in the amount given by the agent and what was reflected on the statement, because I was assured previously my XXXX statement would have the updated balance. On this call customer service did some research and then told me the statement shows the amount subject to interest if not paid in full but is not the balance of the promotional transfers ( it's not clear from the statement how the balance subject to interest is determined ). I asked for written documentation of my transfer balances rather than having to rely on calling customer service, because the balance subject to interest is meaningless without knowing what balance needs to be paid. I was told that information can not be provided to me, it is only available to the company via their system. I find it COMPLETELY UNACCEPTABLE to not have written documentation about balances that I am paying on. Additionally, my balance for the {$1500.00} transfer has changed from {$1100.00} on the XX/XX/XXXX statement back to {$1500.00} on the XX/XX/XXXX statement without explanation. I have no idea how Barclays is making decisions on these balances. My complaint is three-fold : ( 1 ) I should be able to have my payments applied, first, to the promotion that expires earliest and then the later promotion when both have the same 0 % APR, not be at the mercy of the arbitrary selection by their computer, ( 2 ) I should have written documentation of the balances I am paying on and ( 3 ) the amounts reflected on my statements have changed without explanation. The current statements are misleading and incomplete which I feel is intentional and designed to make it harder to track timely payments of the transfer balance subject to hefty interest rates if not paid in time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: FCRA 15 U.S.C. 1681i : ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I entered into a settlement agreement with Barclays American Airlines Credit Card in XX/XX/2020 for {$4400.00}. The payment was processed the first week of XX/XX/2020. I then received a letter stating that the account was paid off as agreed and the account was closed. Then earlier this year I was contacted by XXXX XXXX XXXX XXXX saying that I owed them for the unpaid Barclays account. I disputed it and sent them proof that it was paid, but they are refusing to close the case. They have called repeatedly and sent a letter threatening legal action for a debt that was paid 3 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 767XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX Hard Inquiries that I did not apply for : Barclay Bank Delaware Barclay Bank Delaware 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: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I'd like to get a credit card from Barclaycard because they are the sole issuer of JetBlue co-branded cards. Each time I apply, they deny me without pulling my credit report citing unsatisfactory account history with Barclaycard. I previously had credit cards with Barclaycard. For some reason they won't tell me they decided to close my cards on XX/XX/. It has been more than 7 years since this passed and yet they won't issue me a credit card. As a XXXX area traveler it's very important to me to have a JetBlue co-branded credit card, and since Barclaycard is the sole issuer of JetBlue cards I find myself in a bind due to Barclaycard 's lack of consideration in issuing me a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A