Date Received: 2023-08-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for a Barclays XXXX XXXX XXXX XXXX XXXX XXXX, and was not provided the sign-up bonus of XXXX miles, following a purchase within the first 90 days of account opening, which I did. I applied for the card over a competitor of Barclays ( who also offered a card with AAdvantage miles ) because of the bonus offer that was made and I accepted. I applied on XX/XX/23, but Barclays delayed both the approval and sending the card well beyond anything I have experienced. I only got the card in the mail on XX/XX/23 -- over a month since I applied, and, I was told it was approved in early in XXXX when I called to inquire. Since I knew it was approved in early XXXX, I knew I had until the end of XXXX ( XXXX being a short month ) to make a purchase. I made a purchase on XX/XX/XXXX, which posted on XX/XX/XXXX. Even if my application was finally approved on XX/XX/XXXX ( which would have been the earliest date of approval based on Barclays saying early XXXX when I called ), the transaction posted on the XXXX day ( if both days are included ), and XXXX day since I had received the card and activated it. The activation date is arguably relevant to the opening date, as the only way I was allowed to use my card was to agree to additional terms online from Barclays. If I refused to agree to these terms not in the application, and governing general card usage, it would be hard to argue the account was fully opened until I agreed to the additional terms Barclays required. I realize I was cutting it a bit short, but I still completed the requirements for the XXXX bonus miles in time. I am guessing there is a flaw in Barclays system which failed to account for the shorter month of XXXX, or an error in the sending of a card well after I applied which did not all in good-faith for 90 days if they largely delayed sending me a card for weeks on end. I am requesting the XXXX bonus miles given the large timing anomalies regarding the approval/delivering of the card and the ambiguity on what constitutes opening of the card when all other card issuers seem to stick with approval ( as well as give additional grace period days or deliver the card in a faster timeframe. I will accept Barclays providing the XXXX bonus miles as a courtesy that acknowledges no wrong doing on their part or an acknowledgement of many concerns Ive brough up, as I dont wish to drag this out if the miles could be provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XXXX I received a collections letter from XXXX and XXXX regarding a credit card debt to Barclays Bank which I do not believe I owe and replied requesting validation. I received a response which I do not beleive meets the requirements for debt validation under New York or federal law and replied specifically requesting the following : a copy of the original signed credit agreement or application, transaction summaries showing how and when the amount they claim I owed was calculated, proof that XXXX and XXXX was authorized to collect the alleged debt on behalf of Barclays Bank, and proof that XXXX and XXXX is licensed to operate as a debt collector in XXXX XXXX XXXX. I received no further communication from Barclays or XXXX and XXXX for several years which I took as a tacit acknowledgment that they were unable to validate the alleged debt. On XX/XX/XXXXXXXX I received notice that XXXX and XXXX was seeking default judgement in a lawsuit they claim to have filed against me in XX/XX/XXXX. I was never served with this lawsuit and had no knowledge of its existence prior to receiving this notice. Per documents filed with the court the initial complaint was served to a third party identified only as " XXXX XXXX ( name refused ) - co resident '' ( I live alone and have no idea who this could be referring to ) and the complaint was sent by mail to an incomplete address. Documents also show that an additional notice was sent to the same incomplete address and returned as undeliverable by the postal service. I made multiple attempts to contact the attorney of record ( XXXX XXXX ) by phone but the number provided for him in a filing is directed to one of several non-attorney collections who immediately start talking over me or disconnect the call when I raise any of the following issues : The alleged debt was never validated, XXXX and XXXX knew or should have known that the original complaint was not properly served, by the time I became aware of the lawsuit the alleged debt ( if valid ) was time barred, all Barclays Credit Card agreements include a mandatory arbitration clause and even if the alleged debt is valid the lawsuit is improper as the matter should have been pursued in arbitration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, Barclays Bank Delaware Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
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: Billing Disputes XXXX XXXX XXXX XXXX, DE XXXX Re : My AAdvantage Aviator Red World Elite XXXX credit card account ending in XXXX Case ID : XXXX Dear Sir or XXXX : Several weeks ago, I disputed three charges on my account from XXXX for {$120.00}, for {$55.00}, and for {$55.00}. Your dispute department first attempted to convince me that I should not bother disputing these charges with you, but instead should work on my own to address these unauthorized transactions with XXXX because the dispute process takes months. I insisted on disputing the charges with your team, after which the group reluctantly took a record of these disputes. Now I have received a letter stating that you require additional information, and when I called the number listed in your letter to provide it, the representative informed me that my claim is closed because I was not able to pick up two telephone calls from unknown numbers on XX/XX/23 and XX/XX/23. She stated that the only way my claim will be reopened is if I send a signed and dated letter stating that I did not receive any merchandise in connection with these transactions. She would not accept my personal statement to that effect. Let it be known : I did not receive any merchandise in connection with the above-referenced transactions, as I stated ( in a recorded call ) the very first time I filed these disputes. You can confirm the validity of this representation by the documentation Target provided to you in connection with the dispute, which clearly shows that this merchandise was ordered ( using my credit card ) by XXXX XXXX, of XXXX, who resides at XXXX XXXX XXXX, XXXX, NC XXXX. Again, you can find this information in your own records for the dispute I filed, as you have now mailed me copies of these same records clearly substantiating that I did not order nor receive these goods. Based on my experience with this claim, I must conclude that Barclays desires to dissuade cardholders from proceeding with even valid charge disputes, as this is by far the most difficult time I have ever had disputing a charge. Moreover, for you to hold records in your possession demonstrating that the charge is fraudulent and still refusing to refund the money unless I jump through various hoops mandates a careful review of your processes to avoid consumer abuse. Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Delaware Attorney General, Consumer Division
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have never been late paying my Barclays credit card. I submitted all payments on Barclays website by the due date. Barclays didn't post my payment to my account for over 30 days. I have disputes this in the past and have gotten nowhere with them. If you make payments by the due date you should expect the credit card company to make the appropriate changes to you account in a timely fashion. This has hurt my credit score through absolutely no fault of my own. I have spoken to my attorney about this matter and he advised me to file one last dispute before taking more aggressive actions. Had I known that making payments on time with Barclays was going to hurt my credit instead of helping it I would never have applied for their card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Barclays Bank reports to credit bureau that I have a delinquent account. When disputed and provided documentation for ID theft, they say they will report as disputed but will not remove. When I dispute with the credit bureaus they respond with verified debt. Barclays Bank, and XXXX are ignoring consumer protection laws, police affidavits, and their own policies for accurate reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Credit card company entered me into a payment plan XX/XX/23 for {$230.00} a month at 5.9 %. I accepted paid my first payment XX/XX/23. Was charged 29.99 % regular interest and late fees totaling {$160.00}. That has been waived. I am trying to be enrolled in the program however their website keeps giving me an error future tense. I accepted the offer XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96793
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on XX/XX/2023 and noticed a credit inquiry that I did not authorize. If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 we were traveling home from XXXX and stopped at XXXX gas station to fill up the rental car. The attendant tried to charge my XXXX XXXX XXXX and it was flagged immediately via text to my phone for fraud. The attendant also claimed the card was declined a twice, however I didn't yet realize they were lying and charging the card because I had initially approved the security text. I took my credit card back from the attendant and paid the gas bill with cash after they tried two additional credit cards of my wifes. Her cards were also flagged and she replied to her security texts that they were valid so the charges would go thru, however the attendant ( unbeknownst to us ) lied again and said they charges were being declined and kept asking us for other cards or cash. We realized we were being scammed and offered to pay in cash XXXX XXXX. They also decided to tell us the amount of gas they had pumped was over {$70.00} US, but we only need less than a 1/4 tank to fill the car as were were just topping off on our way to return the rental car to the Airport. They had 3 attendants in front of us yelling and threating us and telling us we need to give them more money and as the situation progressed to get more and more threating, they stole another {$20.00} US bill right out of my hand. They refused to give a receipt we said we were not giving them any more money and said we were leaving. ( this was a very threating situation at this point ). The charge was {$990.00} which would clearly be way more gas than anyone could fill up at any gas station. Clearly this XXXX XXXX is Scamming people. My wife and I immediately returned the car and went to the airport to catch our flight, but before boarding we immediately called all three credit card companies to alert them of what had just occurred. I was assured that the charges would not go through from the SERVICE REP. When I returned to the XXXX and I called XXXX XXXX XXXX to review the issue and to see if they would be canceling the card and sending a new card. The representative did send me out a new card. When I received the new credit card it had the same numbers as previous card. I called to customer service to activate the card and to confirm that the previous representative that I had already spoke to a few days earlier had done the correct procedure. I went over all the charges again and situation with the SERVICE REP and they said that the charge would be removed within a few days. The charge was removed, but when paying my statement that month I notice the charge was re-applied on my XXXX XX/XX/XXXX and had to call customer service again. Now since last XXXX I have been given the run around from Barclays over 25 different phone calls, being transferred back and forth over 50 times from Disputes and back to Fraud. I have done everything their company and representatives have asked including sending letters of explanation, faxes, pages and pages of XXXX report of 100 's of consumer being ripped off and accosted by this exact same XXXX XXXX. I even sent them ( at their request ) proof of my wife 's two credit card charges being immediately reversed. I've sent them the address of the gas station, I have continued to follow up with this matter every month for the past 9months. I am always told that they need a copy of a receipt for the cash that we paid, while neither of my wife 's credit cards that were fraudulently charged asked for this. I explained over and over the situation and how we were refused a cash receipt. After months of calls, email, faxed and mailed letter, I decided that we should request the XXXX XXXX per our Credit Card Contract. On XX/XX/XXXX I followed the instructions per the contract and faxed and mailed the XXXX XXXX request ( as this was the only method given ) and we have never received a response. I have tried to reach out via XXXX as all attempts via phone, fax, mail have gotten us no where. Today I tired calling the phone number that I receive from an automated response from XXXX as I thought maybe by some chance it would be different, but no luck. I was told their was not one to help, I was told their were no Managers available to talk with, I was told so many excuses of why they couldn't do anything, then transferred from Fraud to Disputes AGAIN! I went over the entire history again with the new representative who confirmed she was in the XXXX and said the screaming baby I had to listen to in between her broken XXXX was a neighbors cat. She tried to tell me that our case had been closed so the XXXX XXXX request was probably archived!?!?!?! This was her only excuse she could some up with for us being ignored for complying with every request given by Barclays including our rights to XXXX XXXX. We are excellent customers, pay our cards off every month and have never been late and this is the treatment we receive. We have paid the cards off and would like to cancel both my and my wife 's accounts but not until this is resolved professionally. I am happy to provide copes of all the letters, faxes and requests. This is the location : FRAUD GAS STATION BELOW - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In late XXXX, I received an offer for a 3 % bonus on grocery and restaurant purchases made with my Barclays Upromise credit card through XX/XX/XXXX up to {$36.00}. I spent sufficiently to warrant the maximum reward. This was supposed to credit within 8 weeks, which would have been XX/XX/XXXX. Shortly after this, I asked customer service about it and was advised it should be on a future statement. I've revisited this issue several times in the months since, by message, by phone, and by chat with a customer service representative. I've consistently been advised that I qualified for the {$36.00} bonus rebate, but have consistently been advised that it would credit in a few weeks or card statements, yet it has never credited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A