Date Received: 2023-08-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Amazingly, this is my umpteenth compliant over the SAME account. Quite simply, I closed this account several months ago after Barclays refused to stop letting XXXX charge me even after I had frozen and blocked the merchant after canceling my service XX/XX/2023. I closed this account prior to leaving the US for the summer. I called to confirm. I was assured I would receive my prorated annual fee back, as I had just paid it. I have yet to receive it. I have received nothing for these services, nor have I received a check in the mail. I reached back out to Barclays after returning to Texas after months abroad and of course received no reply. Barclays seems only to respond to federal level consumer complaints, which I find disturbing. It was a {$99.00} annual fee. I had paid it just shortly before the debacle with them allowing a merchant I had blocked to repeatedly charge my card. I am currently in the process of writing a consumer story on this whole nightmare, but I surely never thought they would hold my own money hostage. I am owed well over half of my annual fee, of it, which, frankly, I would like with the 29 % interest they charge when their consumers are late. I was never late, which is why I am baffled as to why they were so terrible to deal with. It certainly makes me wonder how they treat their worst customers. Please just send me my refund to the same address you had on file. That's all!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
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: 33032
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am again sharing the facts about the fraudulent charges made on my Barclay 's Card in XX/XX/2022 in New York. If you look at all the evidence I've shared there is absolutely no possible way my mom or I could have made any charges in New York after XXXX XXXX on XX/XX/2022. I was in XXXX XXXX. XXXX shared that I was at work and XXXX XXXX Then I shared documentation of my Mom 's plane ticket and hotel bill as proof that my mom was at the airport then on a plane home on XX/XX/2022. She did not realize she had lost the card in XXXX, XXXX on XX/XX/XXXX until we started receiving threatening letters from Barclays about charges we never made and items we never purchased in XXXX because we were home in XXXX XXXX. My mom can get a letter from her doctor that proves she had an appointment and was back home in XXXX on XX/XX/2022. She has not visited New York since she left on XX/XX/2022. PLEASE UNDERSTAND. WE WERE IN XXXX NOT NEW YORK WHEN THE FRAUD WAS COMMITTED. I have a XXXX and this is causing extreme stress and suffering because you are denying documentation that proves there was no possible was we could have made the charges in dispute. In addition, we have disputed these fraudulent charges at least 5 times and it seems that Barclay never put the interest and penalties on hold. If you continue to deny this dispute as fraud, even though we have shared all the documentation necessary that proves this is fraud, you will be forcing us to retain an attorney. I ask that you cancel my credit cards with Barclay 's and take time to carefully review that documents we shared that leave NO question that this is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: BARCLAYS BANK DELAWARE, XXXX XXXX XXXX XXXX DE. XXXX REPORTED TO CREDIT BUREAU AND THIS IS NOT MY DEBT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: First, I did NOT sign up for a Barclays Old Navy Mastercard. In 2021, Old Navy prompted me to sign up for an OLD NAVY card that would be used at OLD NAVY only. I received an Old Navy credit card that was a Visa and the credit card company associated with the account was XXXX. Without my knowledge as the consumer, my personal information was shared with Barclays and my account was converted into a XXXX. I did not authorize this at all. When I was in the Old Navy store, they automatically put a charge through to the new account under Barclays that they established on their own without my knowledge. I returned those items and told them I don't have a mastercard account. The Old Navy representative at the store said she could not assist me with anything regarding a credit card account and I would need to talk with Barclays ( the company I NEVER signed up with or authorized to have my account information ). I contacted Barclays several times and they said I would need to establish an online account for them to get access to my information. Upon establishing an online account, they locked me out of it. I ended up receiving a physical bill in the mail for something I did not recognize in the amount of {$180.00}. I decided to try and pay it just to ensure I don't have any issues with Barclays trying to discriminate against me and negatively marking my credit. The online system would not accept payment, when I called in the automated system demanded all my personal information and would not provide me with any of my account information but instead, transferred me to a live person in another country who prompted me to share all my personal information with her/him. After being locked out, of the online account I tried logging into, I contacted Barclays AGAIN, spending over a hour on the phone and I RECORDED THE FULL CONVERSATIONS, but did not get any help from them to resolve the issue in accessing my account. If I did not provide my mother 's maiden name or my physical address, they would not assist me. I was transferred to 3 different Barclay representatives in the XXXX and then to a 4th representative in XXXX. I was asked invasive questions which area a threat to my privacy and security such as my social security number, my address, my DOB, my mother 's maiden name, the full credit card number, my phone number and the 3 digit code on the back of my card. I had to pay for certifed mail to ensure a payment was processed because it is clear that Barclays is adding erroneous charges to an unauthorized account and then trying to keep consumers from paying the amount so they can collect late fees. Barclays is a scam and Old Navy is just as bad. I would not recommend that Old Navy or any of the other stores utilize Barclays for their customers. Further, I do not respect the encouragement of new credit accounts being opened by store representatives who will not be able to serve the customer in paying a bill or answering questions on the very account they establish. All the personal information being collecte and transacted across different software and viewed by different representatives in various countries is rediculous. I WANT MY ACCOUNT WITH BARCLAYS CLOSED!!!! And I better not have a negative mark on my credit in closing it being it is to protect my privacy and security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and Barclays in order to get the issues cleared up. Barclays has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Barclays seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Barclays ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63090
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
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: Four fraudulent transactions totaling XXXX posted to my account in XXXX. I was not alerted to three, and they cleared right away. I received a text alert for the fourth and discovered the others ( for XXXX, XXXX and XXXX, all to the same company ) when I opened my online account. I reported all four immediately. Within the next few days Barclays reversed the charges twice. When I tried to pay my XXXX legitimate charges of XXXX, I could not because the card had been stopped, and the erroneous credit wiped out the legitimate purchases. I tried to pay what I knew I owed online and was repeatedly denied. Over the next few weeks I made dozens of phone calls, some of which were dropped by the representative, others that made me wait over an hour for a representative to pick up, to try to pay my bill and get the duplicate credit removed. Barclays solution was to offer me a check refund of the remaining credit which I agreed to and put in escrow. Meanwhile I could not pay my {$120.00} XXXX bill as well. I was unable to pay anything until the XXXX bill, when I paid the few charges I made after receiving my new card. In XXXX the fraudulent charges reappeared. Although no representatives have been able to explain why themselves, after several more calls I figured out that Barclays is trying to claw back the legitimate purchases that were wiped out by their erroneous credit and the amount of the refund check. I asked for an accurate bill reflecting this so that I would not be paying the fraudulent charges. Today I received a letter referencing my " credit report dispute '' and that Barclays is amending their report to credit agencies. I have no idea what is in my credit report and never disputed it. I just want an accurate bill and I do not want to pay fraudulent charges that Barclays already acknowledged I do not owe. Today I mailed Barclays three separate checks, for the two months activity I legitimately owe, and for the escrow amount, which they should receive well before the XXXX due date. I always pay my bills in full. I have closed the account. I fear how Barclays handles fraud. I was not timely alerted to significant fraud ; after my reporting Barclays wrongly credited me disabling my ability to pay my bill ; apparently Barclays then made a negative report to credit agencies ; and to date Barclays still does not acknowledge the mistakes they made and what I truly owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have spoken to XXXX XXXX XXXX several times and was told the debt was discharged and they are no longer collecting on the debt. I called the original creditor and was told I had to speak to XXXX XXXX XXXX. I was told time and time again that the negative remark and balance would be removed from my account as they would not accept a payment. This negative remark has not been removed. I've been told for months it would take one additional month and still nothing. Since XXXX XXXX XXXX will NOT accept payment as it is discharged, please remove the negative mark on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The account with Barclays bank opened XX/XX/22 is a fraudulent account and is causing me and my reputation harm ( Per U.S. Code 1681c-2 ). The company reached out to verify the account, and I notified them that the account is not mine. It needs to be removed within 4 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95818
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello CFPB, Case XXXX XXXX XXXX XX/XX/23 I am having an issue with this card company Barclays. I have done everything with in my rights and I am legally due a refund and I will explain why for both parties to review. This is in regards to case id XXXX Barclays bank. Order number for XXXX is XXXX. This has caused an enormous amount of stress on me. I purchased an I phone and received the wrong merchandise. I filed a dispute with my bank and they are denying my claim for order Apple XXXX XXXX XXXX XXXX XXXX Unlocked Brand New Sealed XXXX XXXX XXXX Gold Box '' because they are stating the following. They do not receive text like messages as proof this makes no sense because XXXX website via computer or via is phone like to obtain the proof I logged in with my phone to the XXXX XXXX to report the incident and in XXXX Policy it clearly states report any issues via website or via app and in this case I reported the issue with in the website on my phone and snap shotted the conversation showing date/time of interaction with XXXX. Barclays is stating they dont accept that which is not a valid reason because XXXX website is designed like that. If XXXX states to report that way then Barclays must accept this as a form of proof because XXXX does accept images like that and that is my proof that the issue was reported with in the time frame allowed by XXXX per there return policy which states the following. If you receive an item that is not in the condition described in the listing, you may file a return request within 3 days of delivery of the order. Please note that you will not be able to file a return request for an order if you have already accepted the order. according to USPS tracking number and XXXX XXXX tracker tracking number XXXX shows delivered on XX/XX/XXXX @ XXXX and the issue was reported on XX/XX/XXXX XXXX which was well with in the allowed time by XXXX per there policy. I was at work until XX/XX/XXXX once I got home from work thats when it was discovered. I drive a truck and I was at work once I got home it was immediately reported via website on my phone. Another reason Barclays is denying is because they are stating I did not report the incident on time. Yes I sure did report it on time. It was reported the 2nd day and I had 3 days to report it. Per XXXX policy states I report by the app or website which I did. They also state report any issues with in 3 days which I did in 2 days. Another reason why they are denying my claim is they are stating the merchant never agreed to refund you. THIS MAKES NO SENSE. I absolutely DO NOT CARE IF THEY AGREED OR NOT. Here is why. I ORDERED A XXXX XXXX XXXX XXXX XXXX XXXX Unlocked Brand New Sealed XXXX XXXX XXXX Gold Box '' IS THAT WHAT I RECEIVED? No! I never agreed to pay {$2000.00} for a XXXX box! I paid {$2000.00} for a phone! What ever happened in transit or with in that time frame is OUT OF MY CONTROL! I have proof of what I received! I NEVER BOUGHT A XXXX!!! I PURCHASED A PHONE! Therefore I AM DEEMED A REFUND! Legally I am owed a refund! I DID NOT PAY XXXX XXXXXXXX for that ITEM I ORDERED A PHONE! No where in my receipt does it state I will be receiving a XXXX! It states a XXXX and thats because thats what I ORDERED! I have proof and XXXX asked to see the pics and I showed it to them! They are violating there policy! I received the wrong and I reported it in the website browser with in 3 days. I have done everything with in XXXX policy and legally I am owed a refund BECAUSE I DID NOT PAY {$2000.00} for XXXX box. Barclays and XXXX are refusing to resolve this when I have done and sent them all kinds of proof/images/conversation proof and both parties are holding me responsible by not issuing my refund that owed to me. I never agreed to pay for XXXX. I never ordered this. I ordered a phone. Legally I owed a refund. Thats like ( example given ) XXXX order a blue t-shirt and receiving a book and me not resolving it. How is that XXXX fault? If the issue occurred outside of his control thats not his fault but yet me holding him responsible. Barclays and XXXX are holding an innocent consumer responsible for an issue that was outside of my reach and I did everything in the time frame allowed and given yet Barclays and XXXX are holding me responsible for an issue that I had no control over. The reasons for denying this claim makes no sense and I keep informing them and sending them my proof however they are not getting this issue rectified. This concern has caused an abundance amount of stress on me. I have tried several times and have sent all the proof they are yet resolve this. Once again I have all the proof what I ordered and I have proof what I received. I followed XXXX policy. Barclays is also stating XXXX never agreed for a refund nor did they send you a return label. That makes no sense!! XXXX policy states report any issues with in 3 days and I did. Whether they sent me a return label or not does not change the fact that I HAVE PROOF WHAT I ORDERED. I never ordered a XXXX. On my legal document which is my receipt it states what I ordered. I never paid {$2000.00} for a XXXX box. Whether the issue occured while in transit or on delivery XXXX thats NOT MY FAULT NOR IN MY CONTROL! Whats in my control is whether I follow the process that XXXX stated which I have because I CONTACTED THEM ON TIME ALLOWED BY POSHMARK! Thats in my control! I have no control over what happens to my package while in transit! I am deemed and owed my refund legally. I never paid for a XXXX box. If this issue is not rectified my next course of action is to report this issue to the XXXX department of CA because I as a consumer offered {$2000.00} XXXX and received a wrong item. I never agreed to pay for a XXXX box. Please resolve this issue. Once again what happens in transit has absolutely nothing to do with me nor is it in my control. I am owed my refund. I am wrongfully being denied a refund that is legally owed to me. I filed a return request on time ( 2nd day ). It does not matter if XXXX did not send me a return label does not change the faxt that on my receipt it states XXXX and I did not receive that. Show me proof that states you XXXX receive a wrong item? I do not see anything like that on the receipt that was generated by XXXX. I did everything I was told to and yet Barclays and XXXX both are refusing to help me in this matter. I have sent all the proof Barclays needed yet they are not legally helping me. The package was damaged and tampered with and my actual item was stolen and Barclays and XXXX are refusing to refund me. I never ordered XXXX. I ORDERED A PHONE AND MY PACKAGE ARRIVED DAMAGED TO ME AND I HAVE PROOF! PER XXXX POLICY I HAVE 3 days to report any issues after delivery via XXXX app or via website and I reported it via XXXX site from my phone which I have every right to since XXXX clearly states I can report via the app or on website however Barclays is claiming they do not accept snap shots. This makes NO SENSE BECAUSE I AM ALLOWED TO REPORT VIA APP OR WEBSITE ACCORDING TO XXXX POLICY WHICH I WILL ATTACH! Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A