Date Received: 2023-09-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Credit Card applied for during an Old Navy in store promotion, card received Navyist Rewards Mastercard through Barclays Bank. Purchased made in the amount of {$150.00}. Bill received for the purchases bill received for that and was paid electronically via our Bank on XX/XX/2023. Next we get another bill indicating payment not received and charging us a {$30.00} late fee and {$4.00} in interest. I contacted them and explained payment had been made they indicated they would check it. In subsequent conversations with the bank they said they received it and everything was fine. We get another bill showing everything due including payment we had proof had been sent to them. We faxed them proof of payment. In XXXX we get another bill looking for {$170.00} and showing past due amount. Then they start calling me. I explained again what happened, they asked that I fax again I went to my bank cot a copy of their records showing electronic transfer to them on XX/XX/2023 with payment XX/XX/XXXX. I faxed those documents to them. I got another collection call from them on XX/XX/2023 at XXXX, on a call that said the line was being recorded, telling me I was late with my payment. I spoke to XXXX XXXX XXXX, I asked her to see if they gotten my fax, she could not tell me. I explained to her the details of what occurred and asked her to check their records, she kept telling me that they never got my payment. I continued to ask to speak to a supervisor or manager and told her I hoped the call was being recorded and told her I would be filing a complaint and suggested she refer the call to a supervisor, after much discussion she said she would transfer me, she then proceeded to disconnect me. I never got a call back and I am tired of being harassed. I closed the account and shreded the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
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 was a victim of a XXXX where I was forced by two XXXX to purchase jewelry at XXXX XXXX and XXXX, XXXX XXXX XXXX XXXXy in XXXX and XXXX, Washington, respectively. The total was {$14000.00} At XXXX XXXX, {$13000.00} of jewelry was purchased using my Juniper/Barclays Bank credit card. At XXXX, XXXX XXXX XXXX XXXX XXXX$1100.00} of jewelry was purchased using my Juniper/Barclays Bank credit card. On XX/XX/2023, I called the XXXX financial institutions involved to inform them that the purchases were under duress. Barclays Bank reversed the charges and began an investigation. XX/XX/2023 : I faxed my notarized statement with the XXXX, XXXX XXXX report number XXXX, signed Barclays Statement of Fraud , and signed Barclays Affidavit of Fraud to the Barclays Fraud Department . XX/XX/2023 : I received a letter dated XX/XX/2023, saying that the charges were deemed valid and that I would be responsible for them. XX/XX/2023 : I called Barclays, and they confirmed my investigation was still ongoing, but they wanted me to pay the balance. XX/XX/2023 : A representative who identified themselves as XXXX, operator identification XXXX, called me and informed me after further review that I was responsible for the charges and that Barclays does not consider duress when reviewing fraud claims. XX/XX/2023 : I received a letter dated XX/XX/2023, from Barclays again informing me I was responsible for the charges. The letter was identical to the one I received on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for the XXXX credit card administered by Barclay 's out of XXXX, Delaware on XX/XX/XXXX and was approved after a hard hit on my credit report with a score of XXXX. I have used my card several times over the past 6 years and have always made on time payments, never had a late payment. I used the lock feature on their mobile app to prevent anyone from stealing my card number and making charges. On XX/XX/XXXX, I received notification from XXXX that my acceptance with Barclay 's had been closed dropping my credit score by XXXX points ( due to Barclay 's performing an unauthorized credit check for an unexplained reason ). I have never had a single late payment on ANY of my credit cards. Why Barclay 's chose to check my credit without obtaining my authorization is beyond me. I called them on XX/XX/XXXX to ask. I was not provided an answer and was told that I had been mauled a letter on XX/XX/XXXX, the same day that the account was closed. I received the letter just today and it mentions that the credit decision was based on inactivity in the past 3 months ( no information about this in any correspondence to me ever ) and high usage on one or more accounts on my credit report. It goes on to say that the consumer agency that provided information that influenced their decision was XXXX ( which also included my current score of XXXX which isn't much different than the score of XXXX XXXX years ago used in approving my account ). Then the letter turns around and makes a contradiction in that the " reporting agency played no part in their decision and is unable to supply specific reasons why Barclay 's has taken this action ''. The reason that I believe Barclay 's has made this bad faith decision is because part of my income derives from a public assistance program, namely SSDI. The company has also recently asked my marital status which I found odd. Upon learning of this unfortunate and discriminatory closure of my account, I immediately called Barclay 's and asked for a clarification on their decision to which I was told that I would receive a letter in the mail. I offered to make an immediate purchase to have the account reopened ( since I wasn't informed that a purchase within 3 months was a requirement ) and was told no and that they would not reopen my account but that I could apply for a new account ( which of course would have a much lower credit score because of a direct result of their decision to close my account ). I have been discriminated against to which the Federal Equal Credit Opportunity Act specifically prohibits! I deserve to have my account reopened and given the opportunity to make a purchase ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78213
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This is not a duplicate complaint. This company has been notified in writing to cease and desist from contacting me and they have continued to call. When I complain about a new violation that they have committed they simple say its a duplicate account. They also refuse to provide me with a debt validation letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am writing this letter in response to the derogatory reporting applied to my credit bureau report in XX/XX/2023 I am requesting this derogatory reporting be removed from my credit report for the following reasons. 1. I did not receive any notice of the annual fee imposed on my account for this year. If I did get statements mailed, I have not seen them. 2. I have never been late on any credit account I have, including my other Barclays account. I have my payments on time every month more than 15 years. 3. The card number ending in XX/XX/2023 has not been used in many years. It has carried a XXXX balance for at least 4 years. The moment I came home and saw the letter from Barclays dated XX/XX/2023, I called and made payment immediately. I would never jeopardize my credit, especially for an annual fee. My credit scores and reports are my lifeline. The confirmation for payment is XXXX I understand the importance of accurate credit reporting and would have never let this bill pass had I seen the statement. If you review my credit reports you will see that all of my credit cards and accounts are in good standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XXXX XXXX Barclays bank Delaware gained unauthorized access to my consumer report negatively affecting my credit report. This a violation under 15 usc 1681n I never grant them access & not was not enough its reporting to my credit report and this affects my creditworthiness, and it can be a factor to be denied my own credit which I believe is super cruel and can negatively affect my XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! It has been a defamation of my character Company name : XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Jet Blue XXXX serviced by Barclays for many years. Barclays sent me a new card and created a new account. I never made this request. I never received a statement. Apparently they opened this account without my authorization on XX/XX/2023. I received a letter on XX/XX/2023 stating my account was past due. Apparently, there was a {$99.00} Annual Fee on this unknown mystery card. They also charged me interest and penalties totaling {$210.00} in addition to the {$99.00}. I called immediately to protest on XX/XX/23. They said they would research. I immediately cancelled the card. They sent me a letter dated XX/XX/2023 demanding payment or they would put an unpaid charge off on my credit report. I made another phone call on XX/XX/2023. They denied my claim to reverse the charges. I paid the amount in full on this unknown account under threat of damaging my credit. I never knowingly made a charge. I am requesting a full refund from Barclays in the amount of {$310.00}. Their phone # is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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 hotel room through XXXX XXXX XXXX on XX/XX/2023, order # XXXX. XXXX XXXX XXXX advertised on their website best rate guarantee policy. I arrived at the hotel and the room was actually less than what XXXX XXXX XXXX charged at {$170.00}. I made a claim on the best rate guarantee on XX/XX/2023. In the morning of XX/XX/2023 the hotel room was infested with ants and bugs. I let the front desk know of the issue and they said they would let the bug guy know. XXXX XXXX XXXX posts on their website the procedure you have to follow to make a claim on the best rate guarantee. It lists an email address that you have to write to with the details. I did. At the end of that email is another email address you have to email and I did. Then there was another email to write to and that box does not respond and no one answers that email box. So I moved on to disputing the charge with Barclays XXXX, which asked for more information which I supplied by certified mail twice. Barclays card attempted to confuse the issue by disputing a different charge of {$170.00} which I did not dispute, that charge is paid. I asked for a refund based upon the published best rate guarantee by XXXX XXXX XXXX of which XXXX XXXX XXXX has dishonored their own published policy. I have spent XXXX hours preparing documents, printing emails, researching, mailing and making phone calls times {$400.00} an hour is {$1400.00} plus certified mails costs of {$9.00} and {$10.00} on the refund on XXXX XXXX XXXX order # XXXX of {$170.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50131
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Our XXXX business account was accessed by someone unknown to us on XX/XX/23. At this point our permissions were removed from editing the credit card information or removing it from the account. The unknown, unauthorized user then used our stored credit card information to run advertisements directed to their businesses and websites. We reached out to XXXX as soon as we discovered the issue - that same day that the unknown, unauthorized user gained access. When we reached out we were told that the charges would be flagged as fraud but that was the only way to dispute it through our credit card. We have previously done business with the merchant, XXXX, but in these cases the services were purchased by the unknown, unauthorized users, not us. We did previous business with the merchant but these charges that were accrued by the unknown users were in no way authorized by us. Our disputes with Barclay were not accepted because we previously did business with XXXX. We have had extensive conversations with the XXXX support team where they have acknowledged that our accounts were in fact accessed by someone unknown and they were using our credit card that was tied to the account. It took XXXX almost a month to remove the unknown, unauthorized users from the account and return our access.They confirmed that someone else was in our account using our credit card information to purchase services. We have been extremely proactive in trying to prevent further charges from day 1. We contacted the vendor first, then your team. We literally were stripped of any access to stop the charges from being made. We provided extensive documentation and acknowledgement from XXXX to Barclays showing that these were in fact unauthorized charges by unknown, unauthroized users. The dates these charges were incurred on our Barclays account were XXXX in the total amount of {$18000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A