Date Received: 2024-02-22
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In XXXX XXXX I received a credit on my account. The company immediately paid off my card, without my knowledge or any communication. I have called 6 times, many more hours spent than that. A check was cut and mailed to me for {$2900.00} on XX/XX/XXXX. I have never received this check. They insisted they would cancel that check and send me a replacement. Never came, I was told they " called it back '' after preparing the check to pay off new charges that are not due until XX/XX/XXXX. I have demanded they give me the full XXXX as promised. They say they will only give me XXXX. My payment is not due yet, they keep stealing my money and refuse to give me my qualified refund. The original amount of the refund was XXXX but they kept taking away from that. Don't I have the right to pay my bill when it's due? Why do they keep taking my much needed money. Why can I not carry a balance on this account. Why can't I receive MY money. They are keeping it just to earn themselves more money in interest. I have had this card for 1 year and every month there is a problem. By the time I finally get out of the enormous amounts of questions, I am angry already. I want my money!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: In XXXX, Barclays reset my credit limit on my XXXX XXXX account at what I owed. This caused the utilization rate to increase substantially, causing my credit rating to decline. Yesterday, they notified me they were now doing this to my XXXX Visa through Barclay 's, again, causing my credit to go down. 's WITH XXXX, I have always paid on time and a little extra each time. With XXXX 's I had one late payment, but not even thirty days and they rescinded the late fee. I have a plan to pay off or down all debts, have liquid assets to do so, and was going to do it after taxes. At this point, I will pay down or off other creditors first and put XXXX and XXXX to one of those debt relief schemes. I fail to see how Barclay 's harming my credit helps Barclay 's. They did not contact me before the fact or offer any other alternative. I was not adding at all to the XXXX Card, they could have freezed it or offered something like that to me and I would have taken it. Instead, they set out on a campaign to ruin my credit and it really XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Earlier this month I checked my annual credit report and noticed a credit card account with Barclays Bank Delaware was charged-off. I filed a dispute with XXXX and the investigation came back as accurate and stated that the account belongs to me. I wrote on the dispute that back in XX/XX/2016 I was on XXXX XXXX and was stationed XXXX during the time that the account was opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
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 was told that the a cape I purchased from XXXX XXXX XXXX in New York was {$750.00} by the XXXX salesperson. I used a {$100.00} XXXX gift card and put the balance on my Barclay 's credit card. I did not see the receipt as it was to be mailed to me and did not realize the actual price ( there was no price tag on the item in the store ) until my statement came in. I thought it was a mistake so called XXXX to resolve it but was told the price of the cape was {$5900.00} and not at {$750.00}, which I was told. I explained there was no way I could afford this item and wanted to return it but was told that since I had taken the tag off the item, I could not return it, even though it was within the 30-days ' return policy and never worn. I tried to bring the item into the store to return it again - and was denied so I filed a dispute and asked to have the price I was told honored or that have them take the cape back for a refund. I was interviewed by Barclays - my reporter felt sorry for me and was confident that I would win the dispute. XXXX lied and said I saw the receipt and my claim was denied. Barclays is not being an advocate for me - I pay my bills off in full each month adn am a loyal card holder. I need this removed from my bill and am happy to return this item.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
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 XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. When I received the wig it was not at all as described. The wig that I received was XXXX XXXX XXXX XXXX, the length and density were wrong and the XXXX XXXX XXXX XXXX and terribly crooked. I thereby filed a dispute with Barclay 's as the merchant had blocked me from contacting them via social media which was their only avenue of communication given and was refusing to communicate with me. I received an initial letter dated XX/XX/XXXX from Barclay notifying me that they had received my dispute and would begin investigating it and that they would notify me with in 45 days of the date of the letter. Upon not receiving a provisional credit or any updated information I was forced to file a CFPB complaint on the status of the investigation and the failure of them giving me a provisional credit. I received another letter dated XX/XX/XXXX from Barclay 's stating that they had notified the Merchant of my dispute and would begin investigating despite the letter received previously that said they were already investigating. Barclay did offer me a provisional credit, but only after I was forced to file my initial CFPB complaint! Barclay also instructed me that they would notify me of any updates and would send me notice if they re-billed the original credit card transaction amount. To date I have not received any communication from Barclays, and they reinstated the credit card transaction on XX/XX/XXXX with no notice to me or explanation as to why they reversed the provisional credit previously supplied. I have attempted numerous times to rectify this situation with the merchant and they have refused to assist me with returning the product and in fact advised me that " customs would not allow them to send me a shipping label for return ''. This is false as I contacted XXXX which is their preferred shipping company and I was told that the merchant in fact had to send me a shipping label as XXXX or myself would be unable to arrange for shipping back to XXXX due to XXXX regulations. The merchant is refusing to arrange for shipping back and has offered to only offer store credit or pushed the burden onto me to try to find a reasonable method of shipping the item back myself as well as bear the cost of the burden which has been extremely difficult and painstaking due to customs regulations. I do not want store credit as I have grave concerns with the quality of their products and due to the nature of their lack of communication and fraudulent representation. I have also found multiple posts where customers have had similar issues and the merchant refused to pay for shipping costs back even when promised. I do not feel that I should bear a burden of $ XXXX in shipping back as it is not that I " changed my mind '', but in fact the merchant sent me a misrepresented and defective product by no fault of my own. The merchant misled and grossly misrepresented their product and sent me an item that is nothing like what was advertised or promised. XXXX has not attempted to reach out to me for additional information and has not provided me with updates or even a reason why they have sided with the merchant in an obvious fraudulent and/or misrepresented sale of goods. XXXX 's has unfairly denied me the opportunity to provide additional information and has acted in a deceptive manner in delaying the review in order to benefit themselves to buy more time in the dispute process. I have given them detailed information and proof of the merchants unwillingness to cooperate and the merchant has once again ceased communication attempts with me. I do not feel I have been justly or treated fairly and should not be forced to bear the burden of trying to find a vendor or shipping company that would send the item back to XXXX at a cost of $ XXXX for a product that was not as represented that I am unable to use or benefit from. I have been offered no communication from Barclays or offered any information as to what the merchant has alleged. I have exhausted my due diligence in attempting in good faith to obtain resolution from the merchant and have failed. They are refusing to communicate and refusing to make me whole by arranging for shipping back when it is within their power and ability. They are merely trying to bypass customs for some reason which makes me feel even more distraught over their processes and gives me more reason to believe they are acting fraudulently in their sales processes. In addition, if I were to be forced to bear the burden of shipment I do not trust the merchant to refund me the monies that I paid based on their history of bad faith and gross misrepresentation and their pattern of blocking communication attempts. I have been harmed financially through no fault of my own despite my good faith efforts for resolution and returning the product in a new condition.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had a Barclays AA card for 16 years. My husband and I share the account but I am the only one that uses the card. Every time there is an issue with the card they need to speak to him, even though I am authorized user and have been assured that now they have that information and it will be noted. 6 weeks ago I noticed fraudulent activity on the account, I called immediately and they shut down the card and said they issued me a new card. That card never came and my online statement was never changed. I called a second time, they had no record of my previous call, went through the entire process again, waited for my card only to receive a card with the same number and security code. Seemed like a mistake since whomever frauded the card would have all the information. I call again, no they say use the card at which point I check on line and the people using the card fraudulently have beaten me to it. So I spend another 90 minutes going through all the charges and getting a new card issued and expedited shipment. Receive new card do not activate it bc I have no confidence left in Barclays the issuer of the card. Today got on the phone to pay my bill its due today gave them weeks to reconcile the numbers and I wanted to pay adjusted statement balance in full to avoid interest ... no one could help me I sent what I believe is proper amount to cover last months statements but have no confidence that I won't have interest. They wanted me to pay XXXX to avoid that when what I feel I owed after fraud was XXXX. The card is issued through Barclays and it is the AA Mastercard XXXX that accumulates Air travel points through XXXX XXXX ... consumer beware their customer service is awful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear BARCLAYS BANK DELAWARE, I am writing to address a serious concern regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), North Carolina Identity Theft Protection Act, specifically Chapter 75A of the North Carolina General Statutes. It has come to my attention that BARCLAYS BANK DELAWARE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a necessary requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Furthermore, North Carolina state law, particularly Chapter 75A of the North Carolina General Statutes, reinforces the requirement for consumer consent for credit reporting. This legislation aims to protect individuals from identity theft and unauthorized use of personal information. I assert with certainty that I have not provided consent for BARCLAYS BANK DELAWARE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in clear defiance of federal and state laws. I demand that BARCLAYS BANK DELAWARE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Chapter 75A of the North Carolina General Statutes. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft protection laws. Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. I expect immediate attention to this matter and urge BARCLAYS BANK DELAWARE to rectify these violations promptly, respecting my rights under federal and state laws. Done in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
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 XX/XX/year>, I promptly notified Barclays Bank of Delaware about unauthorized charges on my Frontier Airlines account. Despite reporting these fraudulent transactions and initiating an investigation, the resolution process has been wholly inadequate. I would like to draw attention to several critical points regarding the inefficiencies and negligence in addressing this matter : 1. Lack of thorough investigation : Barclays was informed that unauthorized charges appeared on my credit card statement, specifically from Uber, which I had not authorized. The charges were linked to rides in the XXXX XXXX, not ordered by me, and not linked to my Uber account. Although I specifically requested Barclays to obtain a copy of my Uber account to cross-verify and dispute any rides not associated with my account, no such investigation was conducted. Instead, Barclays sent me a letter dated XX/XX/year> addressing only a small fraction of the disputed charges and stated, We have determined the activity is valid based on your previous purchase history with the merchant. I contacted Barclays and provided evidence that while I do visit the XXXX XXXX, I was not in the country at the time that many of these charges were made and that if I had ordered the rides, the rides, and charges would be linked to my Uber account. For example, I provided Barclays a copy of the tracking information of my passport showing that my passport was sent to the US Department of State for renewal on XX/XX/year>, specifically drawing their attention to charges on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from Uber for rides in the XXXX XXXX. I explained that I was in the US and without a valid passport as proof that these charges were not mine and again requested that Barclays obtain a copy of my Uber account and ask Uber to provide information about the account that initiated these rides in the XXXX XXXX. 2. Inadequate response and failure to provide evidence : Barclays did not investigate this matter. To my knowledge, they have not contacted the merchant, Uber, to obtain a copy of my account which would show that these charges were not made or authorized by me. Additionally, Barclays has not provided me with information regarding the investigation or any evidence obtained in the investigation which led them to determine that these charges are valid. 3. Discrepancies in account management : When I reported the charges on XX/XX/year>, I was told a credit would be placed on my account for these charges and an investigation would be conducted to determine where the unauthorized charges came from. My credit card was in my possession ( it was not lost or stolen ) so the account had to be cancelled. Despite canceling my credit card and receiving a replacement card ( which I never activated ) an automatic debit from my checking was made on XX/XX/XXXX for {$720.00}. I immediately called Barclays to report that the auto debit was withdrawn in error as Barclays informed me that they were placing a credit on my account for the fraudulent charges pending this investigation. The customer service agent I spoke to advised they would be sending me a refund check for the auto-debit withdrawal and that I would receive the check within 7-10 business days. After 2 weeks, I had not received the reimbursement check, so I contacted customer service again. At this time, I was advised a check was not mailed. Additionally, my account balance showed my account was past due for {$720.00} ( the statement balance which was debited from my bank account on XX/XX/XXXX ) The agent advised this was an accounting error on Barclays and that my account would reflect the payment and the late fees would be removed. I again asked when they would be issuing the refund check for the fraudulent charges that was auto-debited on XX/XX/XXXX and again was told that I would receive a check in 7-10 days. Barclays never issued the refund check ; they did not fix the late fees or the interest charges on my account but instead determined all the charges to be valid without conducting any investigation into this matter. The failure to rectify these errors in the balance and the recurring portrayal of my account as past due has been a consistent and concerning issue and it is having a negative impact on my credit score. 4. Refund and resolution : Although Barclays acknowledged an erroneous auto debit and promised a refund, to date, no reimbursement has been issued. Moreover, there has been a lack of transparency in sharing the merchant 's response, necessary evidence, or the investigative process. 5. Non-compliance with federal consumer protection laws : I must emphasize that as a consumer, I am entitled to protection under federal credit card fraud laws, particularly the Fair Credit Billing Act. It mandates a 90-day period for investigating and providing a written explanation detailing the supporting evidence of why I am responsible for contested charges. This regulation has not been adhered to by Barclays. 6. I have provided documented proof, such as the USPS tracking information of my passport, a photograph of the envelope mailed to the Department of State, and my Uber account history, all of which unequivocally confirm my claims of non-authorization and account discrepancies. I must highlight my frustration in the repeated lack of adequate customer service support and the continuous disregard for a comprehensive investigation into this matter. This ongoing negligence has led to financial implications as Barclays is showing my account as past due, they are charging interest and late fees on an erroneous balance that was paid in full on XX/XX/XXXX, and it is having an adverse impact on my credit score. This letter serves as a formal notice that in parallel to my communication with Barclays, I have reported this matter to XXXX, XXXX, and XXXX credit bureaus. I have provided the bureaus with comprehensive evidence to support my claims and actions. Additionally, I have requested a police report in an attempt to obtain the account holder 's information of who requested the rides and paid for the Uber services with my credit card as Barclays has failed to do so. It is imperative that Barclays Bank of Delaware promptly conducts a thorough and fair investigation into the unauthorized charges, reimburse me for the charges that were debited from my checking account, and rectify the account discrepancies, including the removal of late fees and removal of the past due notices from my credit report including restoring my credit score. I provided Barclays with the following information and received no response : Document 1 : Account Statement XXXX Document 2 : Account Statement XXXX Document 3 : Account Statement XXXX Document 4 : Screenshot of auto debit withdrawal from my checking account on XX/XX/year> for {$720.00} for the statement balance. Document 5 : USPS Tracking Information of Passport ( proof that I was not in the XXXX XXXX ) Document 6 : Photograph of Mailed Envelope containing passport mailed on XX/XX/year> ) Document 7 : Uber Account History showing that the disputed charges are not listed in my Uber account. Document 8 : Phone Call Screen Shot ( XXXX ) showing the duration of the call to customer service. Document 9 : Phone Call Screen Shot ( XXXX ) showing the duration of the call to customer service. Despite hours on the phone with customer service and evidence supporting these charges were not made with my Uber account, Barclays has not responded nor have they corrected their accounting error to reflect that I closed the account on XXXX the balance was paid in full on XX/XX/year> - and there should be no interest or late fees given the balance was paid in full and the account was closed, but they continue to compound interest and late fees monthly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61704
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
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 rented a car using my Barclays AAdvantage Red Mastercard ( XXXX, DE ). The original transaction with XXXX XXXX XXXX XXXX XXXX XXXX occurred in XX/XX/XXXX. On XX/XX/XXXX, an amount of {$16.00}, XXXX appeared on my credit card statement. It was listed as generated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the transaction with Barclays as I had not authorized the transaction. I contacted XXXX XXXX XXXX XXXX XXXX XXXX and informed them of the amount. Their resolution department stated that the amount charged to me was fraudulent and I needed to contact Barclays and initiate chargeback procedures. I contacted Barclays fraud department and the amount was removed from my credit card. It was then charged again on XX/XX/XXXX. The full amount is due on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays cant process a dispute claim. Ive spent an hour on the phone with them on same company repeatedly charging my card. I have four case numbers. Then they keep telling me claim is denied because I didnt send requested info. When I get letter asking me to send documentation I call them again. Theres literally nothing I have that can be sent. It wasnt authorized. I have no receipts. Theres nothing that can be provided to prove something shouldnt be happening. Of course Ive informed them of that. They admit they made a mistake in the processing and apologize but state I need to send a letter to reopen the RegE claim. In sum, Barclays can not process a claim. Makes it way to difficult. Denies the claim when consumer doesnt send documentation. Requires a letter to then reopen the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A