Date Received: 2023-08-20
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied online for the Jetblue XXXX XXXX in XXXX of XXXX ; it was approved instantly. Once I received the card, I tried to make a purchase and it was declined. I contact Barclay and was told several conflicting information regarding verification. Firstly, I was led to believe it was my phone # ( I changed my cell phone in XXXX of XXXX ). I believe they were trying to verify me using the old #. Secondly, I purchased my home in XXXX of XXXX, so I think that also was an issue. The problem with that is I update my account with the company. I have another credit card with this incompetent company. Thirdly, I was asked to submit my 1040 tax return, current utility bill and copy of my drivers license ; I did but with resistance. Finally, they received the documents but told me my 1040 form was not acceptable but I was not given a reason why. I finally told them I am done, I will not submit another document. On XX/XX/XXXX, I received an email informing me that I have a bill due in XXXX for {$99.00} from this said company. I knew it was the annual fee but why would I get charged the fee on a card that is not yet able for use? I call the company on XX/XX/XXXX to inquire about the charges, to check the status of the card, and to vent about the frustration of this poor inadequate system. I was told my social security number is the problem. Not sure how my SS is the problem, not sure if I used the wrong SS to apply for the card that was initially approved. I know it is not the SS # on Form 1040. I asked to have the {$99.00} removed and to close the account. In the conversation, the representative read a statement regarding the card I asked to close and I heard something that lead me to ask a question. Apparently, the {$99.00} was charged back in XXXX and I was not notified. The rep indicated that I selected a paperless statement ; I asked her when did I do that, especially since I was locked out of my online account in XXXX. I could not access my other account until XX/XX/XXXX after I closed the Jetblue XXXX XXXX. I was told that my password was locked. Not completely true, another rep told me I could not access my other account because of the current issue. The same steps I took on XX/XX/XXXX to access my account are the steps I took hours before calling customer service. This experience was so frustrating. This is by far the worst company and process I have ever dealt with. Why approve a credit card and then have the customer prove their identity AFTER approval? I think the {$99.00} fee charged in XXXX without a statement or without my knowledge impacted my over 800 credit score. XXXX off with that. I have dealt with this issue since XXXX. Calls got disconnected from their end and no one call back. I had to hold for over 30 minutes at times. This is simply a horrible company to do business with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for the XXXX XXXX XXXX XXXX Card back in XXXX or XX/XX/2023. I was originally sent a letter stating I needed to mail in front and back of my Drivers License, Social Security Card with signature and a current utility bill. The only option in the letter was to mail this information in. After spending money to buy an envelope and a stamp i sent the information in 2 weeks later. I received another email after asking for the same information again. There is no number contained on the letter to even call and talk to someone to understand why I would need to send the information back in. I XXXX and found a number for a customer service department and was finally able to reach someone and was told my information was cut off and I would need to send it in again. I then asked if there was another method of delivery as I had already spent more money than expected buying a large envelope and stamps. I was provided a fax number as the only other option. Once I had access to a fax number I resent the information, probably 4 weeks after initial application. I had not heard a response and 2 weeks later I called in again and was told I needed to speak to someone in fraud department to clear the application. At no point did Barclay 's try to reach out to me to clear anything. I spent time on the phone where an associate called me on a separate line to ask me some security questions and clear my application. I was told that the application would be approved once another department finished clearing. I then waited another 2-3 weeks and called in again after not hearing anything about my application. I had to go through the fraud department calling me on a separate line again and me answering security questions. I was told my application was being approved and I would receive a card in the mail within 14 days. More than 2 weeks past and I had not received a card. I called in one final time and asked for a Manager. I was told they could not approve my application because it had been more than 90 days and my credit report had expired. This manager then offered me to apply again and told me they now have all of my documents on file. I then confirmed that would require pulling a new credit bureau report which could negatively impact my credit score for an error on their end. She did not offer any other alternatives other than going through the application process again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74105
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: someone opened credit accounts with my identity and got a car loan as well BARCLAYS BANK DELAWARE XXXX {$8600.00} XXXX XXXX XXXX XXXXXXXX {$29000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023 I reached out to Barclay Credit Card to request a reprint of a letter they sent to me verifying that my account is no longer reporting delinquent status from XXXX and XXXX of 2023. I spoke to a representative named XXXX and she said that it is their policy that they can not reprint and resend these letters but verified that my account is not reporting late however it is still reporting late. I need the letter as proof to show to the credit bureaus that the account status needs to be updated but Barclay will not resend me the letter, yet they are still reporting inaccurate information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my complaint about BARCLAYS BANK DELAWARE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
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 made a reservation ( in my daughters name XXXX XXXX ) for XXXX on XX/XX/XXXX total amount {$5900.00} for travel in XXXX, XXXX. On this day XXXX charged the first half of {$2900.00} ( this was charged on Banana Republic Card serviced by XXXX ) in XXXX, XXXX Banana Republic transferred service to Barclays. On XX/XX/XXXX, XXXX charged the remaining balance of {$2900.00} ( charged to Banana Republic serviced by Barclays. We experienced issues with our reservation and XXXX submitted a refund for both transactions on XX/XX/XXXX. I received the refund of {$2900.00} to Barclays and it appeared on my statement. However, I have yet to receive the {$2900.00} which was charged card when XXXX was servicing. I submitted a written dispute to Barclays in XXXX, XXXX only for them to close dispute. To make things clear I am disputing the credit owed to me on the charge of {$2900.00}. I have made contact with both institutions and have got no where with this issue. XXXX has provided confirmation for refund and has provided this tracking number # XXXX. At time of reservation I only provided information for XXXX -Banana Republic card. Yet somewhere the Barclays-Banana Republic was charged with second half of reservation. I don't understand why both credits didn't make there way to Barclays- Banana Republic card. Barclays has a received written dispute in XXXX, XXXX and verbal dispute XX/XX/XXXX ( Dispute # XXXX ). Today I spoke with Operater ID XXXX ( XXXX XXXX in the Dispute Department who claims I need to resubmit dispute in writing and that XXXX dispute has been closed. I have spent countless hours making calls to both institutions, filing disputes to get no where. All I request is that I be returned {$2900.00} of money that I paid to both XXXX and Barclays. They have received my payments as well as refund from XXXX. I'm dumbfounded how in a merger two institutions of this magnitude don't have some type of a process or protocol to resolve issues like this. I've been ping ponged back and forth for the last eight months in reference to this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93215
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I contacted XXXX to let them know they were violating the fair credit reporting act XX/XX/2023. They have not fixed it. XXXX and XXXX continued to give me a hard time. Here is the issue As a federally protected consumer I have the right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states ' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. ' XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ' 15 USC 1681 section 604 a section 2 states that " In general Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX snd any furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A finacial institution may NOT disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' None of these credit agencies ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code Section 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The code also states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR S 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Barclays Bank Delaware opened balance of {$1100.00} card was opened on XX/XX/2023 I need this taken off my credit report I have been working on my credit for years was up to XXXX and has dropped to XXXX points Ive been trying to finance a house and with this happening I can not get approved. I have called the bank the card is through and reported it as fraud they are not getting back with me and taking care of this matter as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45245
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On Wednesday, XX/XX/2023, I was referred to a JetBlue Plus card by friends and family. I logged on to the Barclays website and applied for the sign up bonus points at the time along with reading the terms and conditions below. At the time of sign up, I was directed to key in the last XXXX of my social and my mobile phone number. I then received a link in which I applied to. Prior to doing so I read the terms and conditions which again are outlined below. Moments later I received a email stating that I was approved for a generous credit limit. Once I had an opportunity. I began to read over the information to see the time frame of when the Annual fee needed to be paid, as I thought paying upfront meant once I was approved. I immediately noticed that I would only receive XXXX points and not the XXXX bonus points rewards, Interest rates 21.24 %, 25.24 % based on credit worthiness. that caught my attention, also being the main objective for applying for the JetBlue Plus Card. Additionally, the rates differed. The promotion described is the sole reason for why I would interrupt my credit score. Frantically, I reached out to customer services and was told that my account was to new to see any information regarding bonus point etc. I was told to call the credit department the following day, in which I did subsequently. On XX/XX/2023 I call in to customer service and spoke with a XXXX who who offer me an additional XXXX bonus point. I explained the situation a second time before requesting to have the matter escalated. A few hours later, I received a call from a XXXX XXXX Who was condescending passive aggressive and offensive. His lack of transparency and empathy created an unpleasant experience. On XX/XX/XXXX, around XXXX pm I received a call from the XXXX XXXX by way of security from a woman by the name of XXXX. I conveyed my concerns both verbally and written form via email. Also providing screenshots of the promotion and transaction and correspondence received. I was advised that she would look into the matter further, listen to calls with the representatives and get back to me. On Monday, XX/XX/2023, I received a call from XXXX indicating she had concluded her investigation and she was unable to extend the promotion because the investigation determined that I received the promotion for which I received. She also apologized for the customer service I received, after having listening to the call. She stated she could offer me XXXX points, but refused to extend the offer or cancel the card and has left me reluctant to have inquired about this partnership. The interaction with the managers along with the deceptive business practice has left me reluctant to maintain this partnership. I am respectfully requesting the following amicable resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The Barclays MasterCard markets a XXXX college savings plan. It's a cash back rewards program that offers 1-2 % cashback to be used for college savings for a child. I had accumulated over {$2000.00} in my XXXX account. I authorized a transfer of funds to my XXXX savings plan. According to the XXXX website, the transfer was successful on XX/XX/2023. The funds were never actually transferred to my XXXX account. They do not have a customer service number. I have made numerous attempts to resolve the issues using their email customer service system, but they never respond. They have effectively stolen over {$2000.00} from my children.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A