Date Received: 2023-08-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I made a payment from my XXXX XXXX XXXX online payment center to Barclays. The amount I intended to pay was {$700.00}. I accidently put in an extra zero and made a payment of {$7000.00}! When I discovered my error on 08/20/2023, I immediately contacted my bank and was assured that Barclays would refund the money and this is a very common procedure. On XXXX/XXXX/2223, I contact Barclays and I spoke to several people in the customer service department including XXXX, XXXX, and XXXX. I was told by the Barclays employees that since the payment was made by a third party, XXXX XXXX, that the money could not be reimbursed and that I needed to contact XXXX XXXX XXXX After many calls to XXXX XXXX XXXX, I was repeatedly told that no one at XXXX XXXX XXXX has ever heard of a merchant not returning the overpayment. I was also told that since Barclays has collected the money and it is now with Barclays, that XXXX XXXX XXXX can not recall the money. I requested to speak to someone in XXXX XXXX XXXX bill pay and was directed to XXXX. XXXX, from XXXX XXXX XXXX XXXX XXXX. called Barclays with me on the line and we were finally connected with XXXX ID # LASRPA. XXXX would not provide his last name. XXXX inquired why the money could not be reimbursed. Again, we were told that because the payment was made by a third party ( bill pay ), I would need to seek recovery from them. XXXX from XXXX XXXX XXXXXXXX XXXX XXXX reported she is in fact from XXXX XXXX XXXX XXXX XXXX and that this was not a procedure they could do since the money was in the hands of Barclays and they needed to refund the money. XXXX advised that Bank XXXX XXXX is not able to recall the funds since there was no fraud involved and that Barclays should return the funds. XXXX reported that this was a simple mistake, and it happens all the time. XXXX stated that since the payment was made from XXXX XXXX XXXX and not directly through Barclays, that the money would not be reimbursed. I dont understand why it matters where the money came from. The funds have been withdrawn from my bank account and now Barclays has the {$7000.00} and refuses to return it to me. I have gone around and around with this issue since Sunday, XX/XX/2023. I am not a delinquent customer of Barclays. I have always paid my bill. In fact, the minimum balance due on XX/XX/2023 is {$280.00} and I was trying to more than double the minimum by paying {$700.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I see on my credit report some unknown accounts, I do not recognise nor have i opened or used these accounts, therefore I request to remove the fraudulent accounts from my report, I am currently pursuing all legal avenues in order to get this resolved as a matter of urgency, kindly remove these fraudulent inquiries and derogatory reports from my account. XX/XX/2013 a balance of {$3700.00}. I am a victim of identity theft and I never opened this account. balance of {$720.00}. I am a victim of identity theft and this debt is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On or about XX/XX/2022, Barclays Bank Delaware ( hereafter Barclays ) notified me that it had terminated my AAdvantage Aviator World Elite Business Mastercard account ending in XXXX ( the " Account '' ). Barclays did not provide me ( 1 ) 30 days ' written notice of its intent to terminate the Account or ( 2 ) a statement of specific reasons for that action, both of which are required under federal law. Barclays thereafter failed and refused to transfer to my XXXX XXXX AAdvantage account both the Award miles ( miles ) and the Loyalty Points ( points ) I had earned. Barclays actions violate the Equal Credit Opportunity Act ( 15 U.S.C. section 1691 ( d ) ), Regulation B ( 12 C.F.R. section 1002.9 ( a ) ), and constitute Unfair Competition ( Connecticut Unfair Trade Practices Act ( CUTPA ) ), conversion and breach of contract/breach of the covenant of good faith and fair dealing. When Barclays closed the aforementioned credit card account, I had previously earned two ( 2 ) miles and one ( 1 ) point for each dollar spent. I would have earned an additional XXXX miles and XXXX points based on my spending in the billing period with a XX/XX/2022 statement closing date. I plainly have a right to those miles and points. Barclays nonetheless failed to transfer those miles and points to my XXXX XXXX account as it had done for the prior nine ( 9 ) months. Instead, it purported to forfeit those miles and points based on some internal policy which it had not provided to me. By confiscating my miles and points and preventing me from earning additional miles and points, Barclays improperly interfered with my right to my miles and points. Since those miles and points have substantial value to me they served as the basis for Barclays inducing me to obtain and use its credit card I was damaged as a result of Barclays conduct. Barclays justification for the forfeiture is immaterial under the law. Having deprived me of my miles and points, Barclays motive is not relevant. Barclays is strictly liable for conversion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received a {$4.00} interest charge that was posted on my statement that closed on XX/XX/2023. I called and was told that this was a result of a 3 day late payment for the XXXX statement. The XXXX statement balance was {$11.00}. My XXXX statement showed that the interest was calculated on a balance of {$270.00} at a rate of 21.49 %. The explanation was that the balance was calculated based on purchases made on the XXXX statement. It seems unreasonable to be charged interest on payments that are not yet due. This practice, if legal, should be discontinued. No reasonable person would think that it is ok to charge interest on payments that are not yet due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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 XXXX XXXX I was charged {$1100.00} to my Barclays Credit card at an XXXX XXXX. I was not in possession of my card and it was used without fraudulently. I immediately made a dispute and was refunded. Barclays returned on XXXX stating chip technology was used so I will not be covered and the refund will be reversed. This was a fraudulent charge and should be covered under the fraud protections of my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11783
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To Whom It XXXX Concern, I am writing to dispute a charge on my Barclays credit card for a rental car from Enterprise. On XX/XX/2022, I rented a XXXX from the Enterprise location in XXXX XXXX, NJ. I called XXXX the day the car displayed brakes needed to be checked and to stop driving. The manager said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of Barclays for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was offered XXXX points to open a Wyndham XXXX XXXX XXXX ( backed by Barclays Bank ) at a timeshare presentation through XXXX XXXX in XXXX XXXX Nevada. I completed all the financial requirements within the timelines given. After waiting the amount of time necessary, for the points to appear and seeing nothing, I contacted customer service. I spoke to them for several hours over 3 or 4 calls and they could not figure out how to link my credit card to an account. Finally, someone gave me a new account number and the card was linked. I waited again and finally called asking when my points would be available for use. I was told they would not give me points as that wasn't the agreement when the card was applied for. Knowing that wasn't true, I asked for a copy of my contract, and a phone number of their legal department. What I received was a call from a relations manager. This person said they would e mail my contract and the phone number ( they haven't and it has been about 3-4 weeks now ), They also said they would look into the agreement through XXXX, where it was applied for, and award XXXX points until the issue was resolved. Today I received a letter saying they are " unable to assist me with the rewards issue '' and to call for further information. I did. The same thing was said, that my contract didn't say spend {$1000.00} in three months for XXXX points. ( this is the same promotion they are still running ) I again asked for a copy of my contract and the phone number of the legal department. I asked that the same customer relations representative call me to explain the steps takes and why I haven't received what I asked for and what I was promised if I changed cards. I specifically applied for this card because of the promotion, and I believe Barclays/Wyndham are in breach of contract. I am waiting for the second phone call as they have 48 hours to respond again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97333
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is the complaint i filed on Barclay American Airlines Aviator Card customer complaint online form. Your automated calls have been calling me since last month XX/XX/2023 telling me my account is late and past due and it happened again this month XX/XX/2023, my account is current and up to date and your system is incorrect. I need you to stop making mistakes and causing disruption. Also send to my email that you have corrected your records and all late remarks have been removed from my account via email, as these remarks are false since i've never had a late payment. This mistake by Barclay could be affecting my credit in a negative accord.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96789
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: We realized we didn't have our cards early XXXX, and I called to report them missing and fraudulent activity on XX/XX/XXXX. All of the charges happened on XX/XX/XXXX, XXXX, and XXXX at XXXX XXXX XXXX for {$1500.00}. When I googled the store # associated with the charges they give stores in Oregon. My account balance should be {$0.00} as I had activated the cards but never used them. My wife was issued a new card ( the charges were on her card ), but merely froze mine. They also didn't report the charges as fraudulent ( {$1500.00} ) and was told today that I needed to make a minimum payment on XX/XX/XXXX. They haven't removed the charges, notes weren't properly made in their system, and they're trying to make me pay for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11426
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A