Date Received: 2023-09-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Consumer Financial Protection Bureau, I regret to express my dissatisfaction with the Barclays Bank credit card service. My recent experience has left me profoundly disappointed, and I feel compelled to share my concerns. Firstly, I encountered a significant issue when my initial credit card failed to arrive. To exacerbate matters, I discovered an alarming {$1000.00} in fraudulent charges on my account, despite having only authorized a {$55.00} purchase. This situation prompted me to contact Barclays Bank customer service, and regrettably, I found myself subjected to extended hold times during these calls. Subsequently, Barclays Bank issued a replacement credit card on Monday, XX/XX/XXXX, and I promptly reported the fraudulent charges. I was assured that the new card would arrive the following day, Tuesday, XX/XX/XXXX. Unfortunately, it did not arrive as promised. My frustration grew when I called again, only to be informed that the card would be delivered today, Wednesday, XX/XX/XXXX, which, once again, did not happen. I must emphasize my disappointment with the lack of communication from the institution throughout this ordeal. I have yet to receive any notifications via email regarding the status of my credit card delivery or the resolution of the fraudulent charges. Such notifications are fundamental to a professional and reliable banking service. This unfortunate experience has compelled me to question the professionalism and reliability of Barclays Bank and GAP Credit Card. It is the first time I have encountered fraud, and I find myself reluctant to recommend this bank or its credit card services to anyone based on this distressing encounter. I requested Barclays Bank a prompt resolution to this matter, including the delivery of my credit card and the resolution of the fraudulent charges. Clarity and transparency in your communication would also be greatly appreciated. I kindly request that Consumer Financial Protection Bureau investigate this matter promptly and take the necessary steps to rectify the situation. I also request that you keep me informed of the progress and resolution of this complaint. Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On approx. XX/XX/2023 I was approved for the Barclays 's Wyndham Earner Business card. It had promotional terms of spend {$1000.00} in 90 days to receive XXXX Wyndham XXXX points. See here for screenshot from application page -- https : XXXX I spent above the necessary amount within 90 days as required. The Wyndham XXXX points never showed up. I inquired via secure message between XX/XX/XXXX and XX/XX/XXXX and was informed I was required to spend {$2000.00} contrary to the initial terms. I requested a call back from a supervisor. I was called on XX/XX/XXXX and told the same. I requested via telephone they provide XXXX Wyndham points per their {$1000.00} sign-up bonus terms and they refused stating they could not do this and that I was required to spend {$2000.00}. I requested a courtesy deposit of XXXX Wyndham points and they also refused. I stated I was going to contact to the CFPB and they did not seem care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2023 I contacted Barclays AAdvantage card requesting a cancellation of the card if it was going to be carrying a membership fee when it renews after the first year. The request was not heeded and the bank took out the {$95.00} out of the positive balance I have had with them and then refunded the remainder. I inquired about this on XXXX when I got back into the country I was told that the bank would not have promised me to cancel the card if it was to charge the fee again. It then canceled the card upon my request ( again ) but refused to refund the annual fee already paid. I think this way of doing business is atrocious and extremely unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: my information was disposed in a data breach, i have unauthorized and unverified inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73130
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Barclaycard randomly locked account without notice and asked for tax returns. Been a customer for nearly a decade. Never heard of this and this is a credit card with a rather low limit. Can not access online either to make payments, download statement, or review transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed an inquiry on my file that I didnt authorize. I have been getting the run around. I was told it would be removed and it hasnt been.. I was told someone tried to open an Application and the creditor asked for proof of identity which was never received. The credit bureau said there have been nothing submitted by the creditor to have it removed. The creditor said they submitted information ti have it removed. I keep getting transferred and not one person is able to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states that 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: We were on vacation and went to a time share sales meeting by Wyndham for free credit at our hotel. During the meeting we were given an electronic form to fill out presented as an income check for purchasing a time share. When I got back to my hotel I had an email saying I was getting sent a a Wyndham credit card that was never mentioned or that we agreed to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To : Barclays Bank Delaware Cc : XXXX XXXX XXXX, XXXX Reference # XXXX. Thank you for your prompt response to my recent CFPB filing where you included the attached Arbitration Clause which I requested. Pursuant to it, I ELECT to have any Claim by either of us resolved exclusively by arbitration with the American Arbitration Association ( AAA ). In bold and capital letters print, you wrote and we further agreed in the recap summary : ARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURTALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION. The Clause provides that if either of us willfully violates the Clause, even after my election, by filing prohibited litigation, such as in a state or federal court : If any Claim is advanced in a court, arbitration may be elected under this provision instead. This means that effectively due to my election you must file an arbitration demand with AAA and pay all fees so any litigation would be null and void as a mere ministerial filing of a demand with fee payment would NOW effectively be assumed and concluded that the Claim is NOW in Arbitration making litigation barred as a Claim can not be litigated and arbitrated in 2 separate forums when you have agreed to arbitrate as the sole forum. So if you frivolously sue me in a court, after my election today, the Clause anticipates that I would file a Motion to Compel Binding Forced Private Arbitration with AAA which would AUTOMATICALLY STAY any litigation under Florida Statutes ( FS ) Section 682.03 ( 6 ) which specifically provides that once a motion to compel arbitration has been filed, the court must STAY any judicial proceeding that involves a claim alleged to be subject to Arbitration until the Court renders a final decision on arbitrability of the dispute. Any decision on a Motion to Compel Arbitration is an appealable decision which, if appealed which I would do if denied, would further Automatically STAY the case pending Appeal for at least 12-24 months. See US Supreme Court No 22-105 XX/XX/XXXX decision in COINBASE v Bielski . If I am improperly sued in a state court and you do not agree to arbitrate, I would file a Petition in the United States District Court for the Middle District of Florida XXXX Division to Compel Arbitration with AAA. Under the Federal Arbitration Act, a party aggrieved by the alleged failure, negligent or refusal of another to arbitrate under a written agreement for arbitration may petition any U.S. district court for an order directing that such arbitration proceed in the manner provided for in such agreement. I would easily be successful in any expected federal court action if I am improperly sued and you refuse to arbitrate. While I could file for arbitration with the AAA, I want to avoid stupid litigation if I pay the initial {$220.00} fee and you litigate in federal court that you should pay the fee costing {$50000.00} in attorney and other fees for no reason other than to harass. So if you want to collect your disputed Claim you must file a Demand For Arbitration Consumer Arbitration Rules with AAA and pay all fees including those of the Arbitrator which easily will be ultimately over {$25000.00} which will not be recoverable from me including your attorney fees even if you prevail which is impossible due to my Claims against you for multiple statutory FCRA willful violation plus punitive damages far exceeding your dispute Claim. Your arbitration terms of service incorporates by reference the AAA Rules that expressly delegates arbitrability determinations to an arbitrator and the agreement clearly and unmistakably evidences the parties intent to empower an arbitrator, rather than a court or judge, to resolve questions of arbitrability. See AIRBNB V DOE, Florida Supreme Court # SC20-1167 decided XX/XX/XXXX. Therefore, once an arbitration agreement is presented to a court, the court is powerless to consider arbitrability as such has been delegated to the arbitrator. Due to your arbitration provisions, courts are powerless to act and they are automatically stayed if I move to compel arbitration. Dont waste your money with court filing fees and attorney fees as you will alienate the court and waste resources only to find court actions forced into arbitration with AAA . That is why court actions are automatically stated to prevent a complete waste of time as arbitration agreements must be enforced. Besides, court decisions are clear that Florida does not have a Small Claims Court, but a mixture of rules so again dont embarrass your attorneys by asking them to frivolously litigate. Lets arbitrate!!! File with the AAA and pay its huge fees. Never expect AAA fees to be recouped. Never expect a return of attorney fees. I will automatically appeal any decision of a court, state or federal, that does not compel arbitration and provide me relief from frivolous conduct such as Federal Rule 11. If you sue me in state court, you will certainly see a motion To Compel Arbitration, staying it, PLUS a federal court Petition to compel arbitration PLUS a Demand for Arbitration by me with the AAA requiring you to pay all fees PLUS federal claims for FCRA and FDCPA violations both in federal court and AAA. By virtue of my election in this document and previous documents, it is indisputable that the Claim and Dispute is already with the AAA absent a mere ministerial 2 page demand by you with your payment of AAA fees. So court litigation is completely barred and any such filing will be considered frivolous willful conduct punishable under the FCRA and FDCPA punishable with a dismissal with prejudice of any court claim. If you are stupid and just want to harass me, you should expect years of litigation in multiple state and federal courts, including the US Court of Appeals PLUS no court would enforce any AAA award against me due to your conduct including FCRA and FDCPA violations. In SAUNDERS v Branch Banking, 526 F.3d 142 ( 4th Cir. XXXX ), the jury awarded Saunders {$1000.00} in statutory damages and {$80000.00} in punitive damages for FCRA violations for failing to report the ongoing dispute. Using the multiple of 80 upheld, if I am awarded {$5000.00} in statutory damages I expect {$400000.00} in punitive damages applying the 80 multiple. Moreover, the Saunders jury found that the underlying debt was extinguished and uncollectible due to conduct far less than yours. This means that your Disputed Claim must be extinguished due to your FCRA violations PLUS I have huge claims for multiple ongoing statutory and punitive damages. My FCRA violations against you are DEEMED WILLFUL, providing a {$1000.00} statutory damage per violation based on on the CFPBs XX/XX/XXXX Fair Credit Reporting : Facially False Data advisory opinion of Director XXXX XXXX which stated : A violation is willful when it is inconsistent with authoritive guidance from a relevant agency. Therefore, every FCRA must be considered WILLFUL subjecting you to liability under 15 U.S.C. Section 1681n for willful noncompliance in addition to Section 1681o for negligent noncompliance. Federal courts would have federal question jurisdiction under 28 U.S.C. Section 1331 as they have jurisdiction to enforce liability under 15 U.S.C. Sections 1681p and 1692 ( k ) without regard to the amount in controversy. At a minimum, I can only settle a claim if you agree to absolute confidentiality of settlement PLUS the permanent removal of Claims from every credit reporting agency which will not disclose or imply settlement. Any written settlement must also include general releases of all parties to forever end the possibility of future litigation. While judges, mediators and arbitrators always try hard to force settlement, I am always open at any time to settle a dispute under fair terms based on developments. If you sell a claim to a debt buyer, your liability will not end but it may increase and arbitration will still be required and enforced ending up more complicated with more parties. In summary, the ball is in your court on how you wish to resolve the dispute which may be best taking the tax deduction and walking away without selling the toxic claim. I will not be the first to seek relief but, as listed above, I will aggressively counter any and all efforts to collect your disputed claim in litigation and/or arbitration. Dont waste $ XXXX in your shareholders money for AAA arbitration fees and your attorney fees to try unsuccessfully to collect {$0.00} owed knowing that I am owed potentially huge statutory and punitive damages. In light of my cease and desist demand which continues forever as I will never withdraw it, I can not communicate with you but I invite you to make a one time permissible exception for you to WRiTE me in the CFPB portal about what non-binding exact terms you may consider to resolve all claims. I hope this CFPB complaint will make my position clear about forum resolution options which exclusively require arbitration with the AAA. If this is not enough, I am a XXXX year old male in poor health with a short time more to live and I am judgment proof as my entire income is from Social Security, exempt from garnishment, and I have no other income or assets and I need treatment abroad and residency abroad. Serving me abroad will not comply with FS 2.516 and will only result in any attempted service to be return as unserved. I hope this informs you of the situation so you do the right thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A