Date Received: 2023-07-29
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I used a balance transfer check having a promotional rate and when the promo rate expired the apr went to about 26 %. recently I did not believe this rate should apply and sent Barclays a dispute letter on XX/XX/2023. I received a response dated XX/XX/2023 which was nothing more than a form letter telling me to call their customer service number. On XX/XX/2023 I did so but the employee knew nothing about my dispute and could only read some information that said that the apr was correct, but the said the apr should be 20 %. Nothing was resolved. So I have withheld the disputed amount from this month 's payment and wrote a letter on XX/XX/2023 explaining my position to Barclays. I think Barclays should assign a person to this matter and contact me in a manner consistent with the billing dispute resolution procedures of XXXX XXXX. Please use my personal phone number XXXX XXXX or email XXXX when replying to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On XX/XX/2023, I applied for financial hardship assistance through the Barclays US website where I have a credit card account. In the past sixty days, I have endured {$17000.00} in unexpected house expenses ( new HVAC system and a major plumbing issue ). On XX/XX/2023, I received an email from Barclays that stated I was eligible for assistance. I went to their website, signed into my account and read the offer specifics. I was very pleased with the offer and checked the box agreeing to the terms of the offer. When moving to the next page to schedule the payment, an error message appeared and said for me to call a specific number to finish setting up the assistance plan. From XX/XX/2023 to XXXX, I talked to five different Barclays customer service people, none of which could figure out the issue. One of the associates I spoke to on XX/XX/2023 placed me on a ten+ minute hold and then told me he had everything all set up and that I would see the changes on my online account on XX/XX/2023. He lied to me. When I checked my account on XX/XX/2023, it was the same as always so I called again. This person informed me that an error had been made, that I should not have received the offer for a long term assistance program because my account was not past due. I am devastated at this and feel that Barclays should honor their offer. I am attaching copies of the initial email I received and screenshots from my account that shows their offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX ran my Old Navy credit card crediting it {$150.00} without my authorization. Without me purchasing anything and without me receiving any services. I signed nothing and immediately disapproved and was told the charge would be credited back to my card by the following Tuesday, XX/XX/XXXX. Tuesday the credit was not returned. I visited XXXX XXXX XXXX XXXX and was told the credit would be returned to my credit card on Friday, XX/XX/XXXX. The lady who assisted me would not give her name so I wrote the business stating I wanted the money credited back to my account and received no answer. I called Barclays Bank and disputed the charge. Stating I did not give authorization. I did not sign anything or received any services or products from XXXX XXXX XXXX XXXX. As it stands Barclays Bank gave my {$150.00} to XXXX XXXX XXXX XXXX without XXXX XXXX XXXX XXXXl giving me anything in return or authorized to do so. XXXX XXXXXXXX XXXX XXXX stole my money with Barclays Bank help. After going back and forth with Barclays Bank I paid my balance leaving the {$150.00} plus {$1.00} x 2 the cost to fax the dispute letters and closed the account. I didnt add the first fax fee of {$7.00} because at that moment I couldnt find the receipt. Barclays Bank reopened the account and start charging me interest and late fees. Since XX/XX/XXXX Barclays Bank calls me on the advantage five times sometimes more a day. Only four representatives ever spoke on the phone, one said she was closing the account again, one sent me statements, and all four of them said they were sending my dispute to the dispute specialist. The other 100s of calls have no communication. I answer the phone and say hello and the person on the other end hangs up. I seriously think there is a communication problem with Barclays Bank representatives. The representatives I spoke to when I opened the dispute did not seem to understand or hear me say I received nothing. No service no product and I did not authorized the transaction. It sounds as if they were reading a script or AI programed to repeatedly say there is no dispute. Barclays Bank gifted my credit and now expects me to give them {$150.00} to pay for a gift I did not give. Please investigate Barclays Bank. Something is definitely not right. I have the account with Barclays Bank. Why would a Barclays Bank not look at all the red flags associated with XXXX XXXX XXXX XXXX theft and call 100s of time, saying nothing then hangs up?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The company is claiming that I owe an alleged debt. I have never conducted business with this company. I would like a copy of all information pertaining to the opening of the account including the application with my signature, the original contract, a detailed record of all debt that is claiming to be owed, information that shows they have a right to collect the debt, information on the original creditor, all information about the purchase and or transfer information regarding this debt. If this debt was purchased I want to know the amount it was purchased for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My bank, sent an approved loan check of {$3600.00} on XX/XX/22 to fulfil the remaining balance owed to Banana Republic to close my account permanently. Banana Republic 's affiliated financial banking institution have claimed to me that they have not received the check. Both financial institution associated with Banana Republic, Barclays and XXXX XXXX have said they have no record of the check. Not making any effort to help outside of opening a dispute ticket. My bank has confirmed the check was received and deposited. I have since followed up with copies of the check and letters from my bank sent via mail and faxes confirming all information and still have not gotten my account balance resolved/closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Multiple unauthorized inquiries on being reported on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023 I redeemed XXXX points for a {$50.00} XXXX Gift card. It was marked shipped on the XXXX. Shortly after I enrolled my account in a payment program, and it was marked closed. I did not receive my Gift Card although it was marked as complete, so I contacted Barclaycard support on XX/XX/XXXX. At this time I was told that they would investigate the incident and get back to me with a solution. I did not receive a follow up, so I called again on XX/XX/XXXX. I was told to call Mastercard to figure out a solution, but after calling Mastercard and realizing they could not help me with Rewards issues through Barclaycard, I called again the same day. I was told that they had refunded my account the XXXX points and that it should be in my account within a few days. I stated that I was in a payment program and my account was closed, and asked if it would be an issue. She said it wouldn't be an issue at all. I waited a few extra days, and not seeing any points in my account, I called again on XX/XX/XXXX. I was told that indeed the problem was that they attempted to refund the points, but because my account was closed, it was not possible, as I had stated several times that it might be. The woman on the phone then stated she would create a new support ticket and elevate the issue. I stated I did not need the points, simply to get my gift card sent to me. She said they would communicate by mail the solution. On XX/XX/XXXX I received a letter from Barclaycard simply stating they could not help me with my rewards issue. I called again that day, was transferred to different departments, and stated that this was not okay and I need a resolution, which would be to resend my gift card. I was told because my account was closed and because it wasn't in " good standing '' that there was nothing they could do. My points were redeemed and card was shipped before my account was closed and I am in a payment program which has made all payments, although that should not matter anyway, as this was redeemed and shipped before I even closed my account. She stated she would send an email to the rewards department. Today, XX/XX/XXXX, I received a letter again stating they would not assist me with my gift card issue. This is not acceptable. I earned points on my account and redeemed them for a gift card that I did not receive as a result of a failure on Barclaycard or the shipping company. This is a large credit card company and this should be a non issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98310
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
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 more than a month I submitted by fax a dispute case number ( XXXX ) to Barclays Financing Mastercard, for {$9000.00} that I used with the card ending on XXXX to paid a tutoring service that never was rendered and at the end I realized was a fraud, I already reported to the FTC and also I sent to the Bank Barclays many faxes with all the documentation involved and necessary, as the emails I sent to the company requesting the services, Barclays contact me two weeks ago to do the investigations and I let them know the reasons and they just let me know that investigation will continue, after that I keep calling and there is not a phone number I can get contact with someone and explain me what is happening, after that the amount in dispute still on the account with all the interests while on my first letter I requested to be corrected on my statements since the amount is in dispute and also as a card member I have the right to be refunded for any fraud carried out on my account plus any interest I paid. No just didn't get my statements corrected Barclays also closed the account without explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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 XXXX? XX/XX/XXXX I made a charge of {$7900.00} on my XXXX XXXX card. This card is handled by Barclays Bank Delaware. The charge was made to XXXX XXXX. I understand that the company has been convicted of fraud. XXXX XXXX and XXXX along with me have made calls to challenge the charge. Barclays says they can not go back that far to indentify the charge. Frankly they kept transfering us to many different people. No one helped. My mailing address change from XXXX XXXX XXXX XXXX XXXX, NC XXXX to XXXX XXXX XXXX XXXX, NC XXXX in XXXX because we moved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27403
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A