Date Received: 2023-08-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/23, I attended a time share presentation at world mark in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in exchange for free gifts. During the presentation I was harassed and pressured to complete an application to get a pre approval so that they can present me with package options. This was the only way they would give me the gifts despite that It was never disclosed when I agreed to attend the presentation. I asked the associate that it looks like Im applying for a credit card and he said no its not. Well to my surprise after the presentation I ended up with an inquiry and XXXX Credit cards! This is fraud! I called the resort afterwards and asked, if I attend a presentation do I have to apply for a credit card and there response was no absolutely not! Which is a lie! One way or another theyre either having customers leave the presentation with a worthless time share package or credit card without your knowledge! At no point did they say I applied and was accepted for credit cards! The inquiry showed up on my credit report as BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Below are the two credit cards that showed up on my credit report : BARCLAYS BANK DELAWARE Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account type : Flexible spending Account Credit limit : {$15000.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX Account type : charge account Credit limit : {$9200.00} Credit card was contacted about the cards opened without my knowledge and they gave me the run around and didnt address the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93274
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dated : XX/XX/XXXX BARCLAYS BANKDELAWARE XXXX XXXX XXXX XXXX XXXX, DE XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE BARCLAYS BANK DELAWARE , ACCOUNT NO. XXXX. Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as BARCLAYS BANKDELAWARE. After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that BARCLAYS BANK DELAWARE has provided me, and I am grateful for the positive experiences I have had as an authorized user. I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-08-27
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: My credit report thru XXXX XXXX shows my score dropped by XXXX points due to a missed payment on a credit card that I don't even have! It is Barclays Bank, and I do not have that credit card, nor have ever had it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After filing a previous complaint for an unauthorized/unwanted cash advance for {$20000.00} by XXXX XXXX XXXX XXXX A few days later he received a phone call from the local XXXX of the president, XXXX XXXX. After an excruciating conversation XXXX XXXX was willing to mail us a payment envelope. I requested this because I didnt trust the company as all reps I spoke with were outsourced to the XXXX XXXX When I received the letter he neglected to provide full account info and only provided a XXXX digit account #. When I spoke me with XXXX XXXX he offered to go to a local bank branch and make the payment but he said I couldnt do that and thats now how payments are made. For the last XXXX XXXX weeks as he did not provide direct contact information and I have to an art from the bottom up each time. I am starting to get threatened calls from XXXX requesting payment. Please give me proper access to pay this unauthorized/unwanted balance transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Ive called twice after I got an email from XXXX saying suspicious activity on my account and I saw several charges that says XXXX is the merchant but I didnt buy anything from XXXX XXXX Also, my cards and social security were stolen I have a police report. I reported to the bearues as well. The amounts are XXXX and XXXX on XX/XX/XXXX, charged three times all in the same day. I was told they would investigate it and the charges would fall off during the investigation I called on XX/XX/XXXX and the charges are still there and my payment on my bill is due on the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello I have an aviator master card financed through Barclays Bank. Through the app and website they included a feature call XXXX XXXX where it allows you to make payments over time for a low interest rate. The qualifications include any purchase over {$100.00} and to be in good standing with my card. Ive had this card since XXXX of 2017. I have always paid my bill on time or paid off the balance entirely. Ive never been late or missed a payment and they still have not given me the chance to enroll transactions into a payment plan. Every other credit card with different banks has provided me with this option but Barclays has not. Ive called several times and Im given the same generic answer. And I rebut with terms and conditions listed on their website. I want someone at Barclays to look into why the I have not been afforded the opportunity to enroll my eligible transactions into XXXX XXXX. Because why am I even a patron when my other cards offers me the option to set up payment plans to aid and assist me with paying my balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had credit inquiry from Barclays Bank Delaware and AMEX om XX/XX/2022, XX/XX/2022 respectively. I haven't done any credit inquiry from those banks. I had hard checks for those two which effected my credit score very badly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
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 have and XXXX XXXX Barclays credit card. in XXXX I was contacted and asked about a charge made in XXXX XXXX ( I live in XXXX and was not in XXXX XXXX ) told them it was fraud. The card was canceled and the charge removed. XXXX received a letter it was my charge {$490.00} was placed back on my account. I called the fraud department multiple times. they said I needed to prove I wasn't in XXXX XXXX on the day the charge was made. I asked to speak to a manager. Two days later a manager called said investigation was not proper. my address was changed and a card was sent to XXXX XXXX Told me charge would be credited 24 to 48 hours.. That was middle of last week. Charge still shows. I called today to be told they had no record of manager talking to me and the only way a charge would be credited is if a new investigation shows it was fraud. In the meantime I owe the money. At that point I was very frustrated I asked to speak to a manager again and hung up ... ending up no further along than before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 833XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: It is the frontier flight credit card by Barclays. They promised five free flights and it was so difficult to get a flight. I could never find one to use it now they want to charge me an {$89.00} fee, which they call the annual fee on a card that I was never able to use simply put its fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2022 someone open an account with Barclays Bank ( carnival ) on XXXX i see the card on my credit report and report to this bank this credit card dont belong to me. I call on several times and they states they will close the account but still open. Who open the account paid the bill on XXXX and XXXX, so they might have the address for the person who open the account because somebody is paying the account, but since XXXX they are not paying the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A