Date Received: 2023-09-14
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I was purchasing an airline ticket with Jet Blue on XX/XX/2023 and a pop up came in to apply for credit card and would be a bonus of XXXX point/miles if you comply with the requirements. I applied for a credit card and to my surprise I was not approved on the spot as usually. My credit score is excellent XXXX or more and I have decent income and great credit report. I received a letter in about a week they asked for additional information such us ID, SS Card bill statements or bank statements. I supplied this document and sent to them the next day. After a week came by I did not hear anything called them to make sure they received my mail. She confirmed receiving it and some one from a security department verified my identity and told me Im all set. I received an other letter a week after. They asked me again to be verified. I called the number on the letter. Security department verified me again even though I was previously verified. At the end of the call she told me congratulation you are approved for XXXX and your card will be send to your house in 7-10 business days. Waiting for the card and never came. Called again on XX/XX/XXXX spoke with customer service she transferred me again to their security department to be verified for the 3rd time and further assist. I was shocked when she told me that my application was still in referral status even though I was told that should receive my card. I was very upset and frustrated with everything I had to go through. I told her to withdraw my application and I will complain to Consumer Financial Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2023 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/2023, I submitted a complaint through the Consumer Financial Protection Bureau ( " CFPB '' ) portal complaining that Barclays continues to mark my complaints as a duplicate and closes it out without ever responding to it or providing the information requested. On XX/XX/2023, Barclays responded to that complaint and marked it too as a duplicate and in doing so, it admitted that the denial of my application for the Mastercard Black Card was the product of a prohibited act under the Federal Equal Credit Opportunity Act that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status and/or age. '' Sincerely, XXXX XXXX
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: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Object : BARCLAYS Financing Mastercard I paid their residual balance in full of {$700.00} after they improperly reported my account as delinquent twice. When I made the phone call sometime in XX/XX/2023 and ask them about my total remaining balance and I paid the whole amount at once and I told them to go ahead and close my account permanently. Hence, after permanently closing my account and praying my final balance in full, BARCLAYS FINANCING MASTERCARD falsely generates another charge of {$52.00} in way interest charges which also got reported as delinquent. However, they abused their reporting power and now my credit score shows 2 delinquent reportings from BARCLAYS FINANCING. I have been a client with them over five years and never have any issue. I am victim of false reporting from BARCLAYS FINANCING because of false reporting and unjust reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had opened this card and received a XXXX XXXX dollar credit on my account and they were to bill me for the remainder. I never received a bill for a payment and then on XXXX I received a letter ( not a bill ) that I was late on my payment. I immediately called and talked to an agent by the name of XXXX ID # XXXX. He took my information and checked and found that they had incorrect billing information. They had me as paperless billing which I did not request. That was also incorrect because they didnt have bank routing or a debit card. This resulted in me never getting a bill in the mail which XXXX verified was accurate. He removed the late charges and interest because it was their error. I have written them 5 letters explaining why they should take this bad report off my credit bureau records and they have sent me back form letters saying they stand by their late payment report. They refuse to acknowledge that it was their error in billing that caused the problem. My credit has gone from excellent to good. Im XXXX XXXX XXXX and Im going to get a new car lease and this will affect my payments. I pay all my bills on time and in full and yes it was late but Im not at fault. All I want is to restore my excellent credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, BARCLAYS BANK DELAWARE has violated my rights. Under 15 USC 1681 Section 602, it states I have the right to privacy. Under 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. BARCLAYS BANK DELAWARE reported my account late for XXXX and XX/XX/XXXX. They have not updated the status of my account since XX/XX/XXXX. The balance on this account has been paid since XX/XX/XXXX ; however the report claims I still owe money. Also they have raised my interest rate ( APR ) to the highest possible rate since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61108
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon. Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions. Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason. Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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 a merchandise from XXXX XXXX - XXXX - XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX ) for the amount of {$1900.00}. When I received my first statement it showed that I needed to pay {$2800.00}. I received my first statement on XX/XX/2023, from XXXX XXXX XXXX ( this was opened through the XXXX store ). I immediately called to speak to customer service XXXX. The person answered the phone handled very nicely and told me that they will look into it and get back to me. She also told me that in the meantime I should submit my monthly payments which I did. Nobody contacted me, then I received my second statement, they wrong amount was still there. I called again and the same thing, the person who answered the phone ask me more questions and asked me if I have the receipt, which I do. She told me sending the receipt should be able to fix the problem. I sent the receipt on XX/XX/2023. I did not receive anything from them, so I call them back to ask if they have received my letter with the receipt and the person on the phone told me yes and she said not to worry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 209XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card by jet blue Barclay bank. I also set up a monthly withdrawal for the full amount of my spending. The last month was a special month I had a bill of over {$2.00} so I called up the bank a week before the due date, and told them not to charge me this month on my regular account, and I gave them a different account with the banking routing number and account number and told them to charge {$2300.00} instead of {$2000.00} they took the information. The next week I go to my account and I see that they charge me {$29.00} for a return fee so I called him up and told him its impossible. The account has much more money than the {$2000.00}. The bottom line is that they told me that they try to get the money out of XXXX XXXX which is the regular bank that they took it out from XXXX XXXX, so I told them why did you do that? I gave you a different account number specially this month that you should take it out from there i usually do it with other cc companies and I have no problem. He told me this is what we do we go to the regular bank. I told him but I told you you cant take it out from the regular bank, well anyway theres nobody to talk to he claims that he did the right thing, and Im telling him that I gave you a special account number where to take the money out from he says I see it but thats what we did and we are not giving you back the {$29.00}, and I think that he is not right, they should give me back the {$29.00} because the mistake is theirs. I am very annoyed at what they did. They had no right to go to XXXX XXXX after I gave him all the information from the other account where to take the money from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a general use Credit Card with Barclaycard. I was incorrectly charged interest when my bill was paid in full, in its entirety before the due date. My current cardholder agreement states, " Paying Interest : Your due date is at least 23 days after the close of each billing cycle. ***We will not charge you interest on purchases if you pay your entire balance by the due date each month. *** We will begin charging interest on balance transfers, checks and cash advances on the transaction date. '' My due date was XXXX. I paid the bill, in full, on that date. Three days later, on XXXX, I was charged interest of {$290.00}. The company can't, or won't, explain why the charge is valid and are indicating that it's interest due from XXXX and XXXX of XXXX which they billed on XXXX. Obviously this doesn't make sense. I am seeking to have the incorrect interest charge waived in its entirety.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90272
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A