Date Received: 2024-02-18
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: The company is imposing restrictive approaches in customer service practices that force customers to resign with no fair justification to their right of freedom of speech towards the State and Federal Reserve System along with imposed recordings with no alternatives to satisfy needs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
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: There was a charge made on my card on XXXX on my card at XXXX XXXX for {$1000.00}. I did not use that card at the time and was not checking it. I disputed the charge in XXXX when I saw it I called and opened a claim telling them it was not me. They supposedly did an investigation and said the charge was me and put the amount back on my card. I called and disputed it again. Told them to send me a signature proof or images of me making the purchase since I was physically not possible for me to be at this location to make the purchase and it was not mine. They said they would look into and and I just received my statement and they put the amount back. Its not me. What can I do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 914XX
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am writing to complaint about the contact process at Barclays ( Barclays Bank Delaware XXXXXXXX XXXX XXXX XXXXXXXX DE XXXX ). I received a letter regarding a fraudulent attempt to open an RCI Elite Rewards Credit Card ( Application XXXX ) dated XXXX. The letter correctly states that my XXXX credit report is frozen. There is contact information about this from Barclays consisting of a mailing po box and a phone number. There is no easy way for me to contact the organization via email so that I have a record of correspondence ( they, on the other hand, record calls so they have a record ). It is not unreasonable for consumers to expect an email address to contact the company. Expecting consumers who are victims of identity theft to mail letter, sit on hold with a call center, and have no easy way to record their communication isn't reasonable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX - {$3000.00} In good standing This amount was above my {$2500.00} credit limit, unbeknownst to me. All charges were approved. Account was PAID IN FULL BEFORE DUE DATE but was reported anyway, which caused my score to drop by almost XXXX points. I phoned Barclays ands asked for credit increase to prevent another occurrance, they stated it would require a hard inquiry. I SPECIFIALLY DECLINED PERMISSION FOR A HARD INQUIRY - AS THIS WOULD FURTHER HURT MY SCORE- WHICH APPARENTLY WAS MADE ANYWAY XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The issue : From XXXX of XXXX to XXXX of XXXX, Barclays Bank Delaware did not credit me with the correct number of XXXX XXXX ( XXXX ) Loyalty Points in my XXXX account. The issue of incorrect Loyalty Point earning arose after a purchase and subsequent refund of an XXXX XXXX flight. On XX/XX/XXXX two XXXX flight tickets were purchased in the amount of {$4700.00} each or {$9400.00} in total. Due to changes in plans the flights were canceled on XX/XX/XXXX. The two tickets initially earned XXXX XXXX Loyalty Points and XXXX XXXX Award miles, which were credited to my XXXX advantage account on XX/XX/XXXX. Due to the subsequent refund, I did not receive any Loyalty Points or Award miles from activity on my AAdvantage Aviator Silver card ending in XXXX for statement ending XX/XX/XXXX to XX/XX/XXXX. The simplest way I can explain it is during the statement ending XX/XX/XXXX to XX/XX/XXXX, I made net purchases after refunds of {$14000.00} and I should have earned XXXX Loyalty Points and XXXX Award miles based on the terms outlined below. From XX/XX/XXXX to XX/XX/XXXX, I messaged, emailed and called Barclays and XXXX XXXX customer service multiple times to try to resolve the issue but neither were not willing to help out. Each company has told me that the other company is the one that needs to be contacted to resolve the issue. To put it another way for statement ending XX/XX/XXXX to XX/XX/XXXX I put {$27000.00} of net purchases ( net of refunds ) on my XXXX XXXX XXXX. {$1.00} of purchases ( net of refunds ) on the XXXX credit card equals 1 Loyalty Point. I should have been credited with XXXX Loyalty Points but I was only credited for XXXX Loyalty Points, a XXXX Loyalty Point difference. The reason my XXXX account isn't showing the correct Loyalty Point balance has to do with the fact that in XXXX there was a refund on XXXX XXXX flights that were originally purchased in XXXX. The AA purchase category in XXXX resulted in XXXX bonus miles ( XXXX bonus miles but no additional Loyalty Points ) which were credited to my account on XX/XX/XXXX. After the refund was issued in XXXX, I did not accrue any Award miles or Loyalty Points until XXXX due to the negative mileage balance. I agree that no Award Miles should have been earned during that time, but I should have earned Loyalty Points starting with my statement ending on XX/XX/XXXX. Based on the terms of Barclays credit card AAdvantage Aviator Silver XXXX XXXX XXXX a cardholder earns Loyalty Points toward AAdvantage status : As an AAdvantage member, you'll earn 1 AAdvantage Loyalty Point toward status for every {$1.00} spent on your Advantage Aviator Silver XXXX XXXX XXXX. Based on the terms of Barclays credit card AAdvantage Aviator Silver XXXX XXXX XXXX a cardholder earns AAdvantage miles : Watch the miles add up faster! Earn 3X AAdvantage miles on qualifying XXXX XXXX purchases. Your XXXX XXXX purchases will help you earn more AAdvantage miles faster! Watch the miles add up faster! Earn 2X AAdvantage miles on qualifying hotel and car rental purchases. Earn 1X AAdvantage miles on all other purchases made at any of the millions of merchant locations where Mastercard is accepted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize a credit inquiry from this company on XX/XX/2XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98338
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I called Barclays to cance a AAdvantage Aviator Mastercard I had never used. I was told my card was being cancelled with a {$0.00} balance. On XX/XX/XXXX, I called Barclays because I had continued to receive collection emails. I spoke with XXXX who confirmed the account was closed with a {$0.00} balance. She told me it takes 1-2 billing cycles for a closed account to clear out. On XX/XX/XXXX, I called Barclays because i had received more than 10 new collection emails. I spoke with XXXX ( ID # XXXX ). XXXX confirmed that my account showed as closed on XX/XX/XXXX, and it should me cleared out on the XX/XX/XXXX statement. I asked XXXX not note that I would reach out to FTC if the collection emails continued. Since that call, I have received 30+ new collection emails. Barclays knows from my profile that I am a XXXX citizen. I believe Barclays has targeted me for harassment, with the expectation that I, or someone acting on my behalf, will pay the money I do not owe simlpy to make them go away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My credit cards expiration date was XX/XX/XXXX. On XX/XX/XXXX, I tried to request a replacement card on the app as I was surprised I hadnt received one with an updated expiration date. The app said it couldnt process the request because it had already been made. On XX/XX/XXXX, I called because I had not received a replacement card in the mail. I was told there was no information in the system and sometimes cards are late in being sent out. I was told to wait a few days to see if it arrives in the mail. On XX/XX/XXXX, I called again as I still hadnt received a new card. At that time, I was told there was a note saying the account was being closed but no reason was listed and I should be getting a letter in the mail via a third party. On XXXX, I called again and was told there was still no further information and that someone would call or email me. Its XX/XX/XXXX and there is still no resolution to this matter. My credit is in excellent standing and I havent missed any payments in the years Ive had this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They keep calling me from random numbers. They have my address and this happened over 9 years ago. This is harassment for sure. Then some lady called to verify my address, like they were gon na come get me or something
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I made a purchase online with XXXX XXXX, the total cost was {$25.00} and I paid the {$25.00}. The purchase was discounted since I applied for a XXXX XXXX Rewards Card ( Barclays ). I was approved but never received the card. I received an online billing statement but that can not be paid online without the XXXX digit number on the card. I also could not contact customer service online without the XXXX digit number, so I called the customer care number, XXXX. I explained the above and asked for the card number but was advised that they could not give me the number over the phone. The bill for the actual items is paid in full, but Barclays continues to send me bills for late fees, interest, and penalties, in the total amount of {$59.00}. None of that is for goods or services, only fees incurred because the bill was not paid when the first statement was sent. The bill can not be paid without the card/card number and I did not have and have never received the card or the number. I sent payment via regular mail, with only my name and the last four digits of the card that were provided. I don't owe them any money and do not want the card. I also want them to stop sending me bills for any fees/interest/penalties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A