Date Received: 2023-07-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Barclay 's Bank Delaware XXXX XXXX, XXXX XXXX XXXX XXXX filed continuing garnishment under court doc. This company filed the one document in a county where I do not live or work. This court doc. was filed under on county. I tried on several occasions to contact the law firm to work out a settlement on this account amount and they refused to talk. This is putting me in financial hardship by deducting a garnishment of {$320.00} from my paycheck. I am a single parent, working one day a week, and a full-time student, taking care of XXXX kids and an XXXX parent. My health issues are declining to try to sustain my household. I want to work out a settlement and have this continuing garnishment removed from the court system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I applied for a Frontier Airlines XXXX on XX/XX/23. When the card arrived in the mail there was no mention of the XXXX bonus miles as promised on the offer. I called Barclays Bank/Frontier at that time and they refused to honor the promo voucher I received from the stewardess inflight. At that time I told them to cancel the card, as the card was never activated. On or about XX/XX/23 a {$20000.00} credit appeared on my existing XXXX XXXX account from Frontier. Immediately I called Barclays Bank to report this unauthorized fraudulent transaction. The fraud team verified my identity and assured me this would be removed and my account was officially closed and that I would not be responsible for any finance charges related to their error. After calling and speaking to agents over a dozen times during the last 2-3 weeks regarding this careless error, they want me to open a new account and deposit the {$20000.00} in a new Frontier account. I have exhausted all resources on my own and I need professional help and advice. We have a problem communicating with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: We use XXXX, a third-party servicers that interfaces with our XXXX XXXX XXXX XXXX XXXX XXXX to help save for our daughter 's college. On the XXXX website, Barclays routinely markets a cash back reward XXXX which earns 1.529 % into the XXXX account " if your XXXX XXXX account is linked to an eligible College Savings Plan ''. In XXXX 2023 we applied and were approved for the Barclays XXXX and promptly began to use the card for the cash back rewards into the college savings program. We ONLY signed up for the card to earn the advertised cash back of 1.59 %. In XXXX we noticed that the cash back earning rate reflected on my app was showing 1.25 %, so we send a secure message through the app and we prompted to speak with a customer service XXXX We called and spoke with someone and at first they said that I was earning the correct amount and the app was probably reflecting wrong and I insisted that I wanted it to be accurately reported on the app and then they said I wasn't getting the correct cash back rate because I didn't have a linked College Savings Plan on XXXX and I insisted that I did and they told me I needed to contact XXXX because they manage the linkage. I proceeded to contact XXXX and verified that the eligible XXXX XXXX XXXX was linked and the I should be earning 1.529 %. I filed an official complaint with Barclays ( ticket # XXXX ) on XX/XX/2023. I let a couple months go by and the cash back rate hadn't changed on Barclays app and I didn't see any funds retroactively post. In XXXX asked for an update to my complaint because I had gotten a feedback email that made it seem like my issue was close/resolved and they created another ticket ( # XXXX ). I have subsequently received customer service feedback request and emails asking me to link my college savings plan to get the higher rate 1.529 % ; however, when I log on to check the linkage it's still shows that the eligible XXXX plan is linked. I have followed up with Barclays XXXX XXXX and to date I haven't gotten any retroactive funds posted, my app hasn't changed to reflect the correct earning rate, and I haven't gotten any update from Barclays on what is going on with this issue. I am concerned that I'm not the only XXXX in this situation and their XXXX be some systemic programing issue between XXXX and Barclays. Barclays should conduct and audit to identify those impacted and ensure that everyone gets their retroactive funds back. I personally would like for them to credit me all my earned rewards immediately dating back to XXXX XXXX The opportunity value of these have been lost ; these funds could be working hard in the stock market ( XXXX Plan ), not sitting on Barclays XXXX not benefiting me. I want all my earned funds back and my account recoded to earn the correct amount going forward. I have had my XXXX Plan linked to XXXX for many years, so this issue makes no sense to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My mother used my social security number to open this account Barclays refused to help and say I need her social security number to be taken off the account which is insane I dont know someone elses social security number They wont help me and the account is still on my XXXX report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77049
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Over {$11000.00} was added back to my account and Barclays attempted to extract a minimum payment of {$1500.00} from my private checking account. When I saw that wasn't going to clear, I had to put a stop payment on the {$1500.00} charge ( costing me fees from my Credit Union ). Then because Barclays attempted to put it through twice, Barclays hit me with XXXX {$40.00} returned check fees and a late payment fee. I had made an early payment on XX/XX/XXXX of {$150.00} ( close to twice of what my minimum payment should have been and the payment was not due until XX/XX/XXXX. ) Then, Barclays abruptly shut off my credit and unbeknownst to me, lowered my credit limit to slightly above the new balance. If that was not enough, my credit report was affected and my XXXX score shows an XXXX point drop ( solely due to this. ) I had no late payments on my credit report before and my credit capacity was high. Now it is showing a late payment and overbalance. I just don't know how to remedy all this and get it back to where it was before all the previous complaint happened. How can this company even make this right at this point? I'm sure they will figure it out, remove the extra charges and hopefully reinstate my full {$9600.00} capacity, but they can not fix my ruined credit report. I have now lost credit capacity on another card as well solely due to this whole debacle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Barclay Wyndham Visa Card - company clearly states on their statements the total to be paid monthly to avoid interest charges, you pay it, then they still charge interest - I have had to call repeatedly to get these erroneous interest charges reversed, always pointing out to them their own documentation outlining what is to be paid to avoid interest, which I pay monthly- this is time consuming & I am sure most people don't bother for that reason, but it is the principle of this practice. I have spent numerous hours on the phone with them as this happens every couple of months and in spite of me asking them to resolve the issue ( the charging in the first place ), it continues to go unresolved ( although they do always reverse the interest once I call and wait on hold, etc. ). Interest erroneously charged on XX/XX/23, XX/XX/23 most recently this year, in spite of their page XXXX of prior month statement stating amount to pay to avoid interest, which I paid in both cases. XXXX, XXXX, XXXX & XXXX statements attached for your review where you can see this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 2 payments have not been applied to my Barclay account as of XX/XX/23. 1 : XX/XX/23 of XXXX 2 : XX/XX/23 of XXXX I have both canceled checks. The company decided to lower my available credit in XXXX to near what my balance was from XXXX to XXXX. I was never late and always paid more than the payment. When I called to ask they said that I had too much credit overall in personal loans despite my credit score of XXXX, even though the amount to balance ratios of my credit accounts were well under 22 %. They would not reconsider, so I had the payment amount from the XXXX payment that had not been applied yet deducted from what at that time I was informed of what my total balance due was and opted to pay off the remaining balance that day. I also received another statement showing an additional balance due which was the total of the payment reflected in the XXXX payment. I figured they would reconcile their accounts and issue a refund and didnt want to be bothered with speaking to or dealing with them again. Today I received a call stating that I was past due and the amount due was more than XXXX. Something is going on with this company, I had been a customer with them for 10 years and never had a late payment issue, but I do not want to be a victim of their negligence and end up with having to dispute erroneous credit bureau reporting. Dispute # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43040
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: BARCLAYS Creditcard, Application XXXX for an XXXX XXXX XXXX XXXX, from XXXX. My Credit score at all 3 Credit Bureaus is between XXXX and XXXX. Barclays get the information about my identity from all major credit bureaus. Even that Barclays ask my to SEND (! ) by mail highly private and sensitive Documents ( see attached copy of the Barclays letter ) AFTER Barclays pulled my credit reports, which lowered my credit score! If BARCLAYS don't trust the information from the credit bureaus the should ask me BEFORE the ask the CR Bureaus for my scores! BARCLAYS damaged my Creditworthiness and thus damaged my reputation. This is the reason why I ask for a compensation. My attorney says I can do this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Barclays Bank XXXX Jet Blue credit card. DON'T APPLY UNDER ANY CIRCUMSTANCES!! In XX/XX/2023, I applied for a JetBlue card while booking a flight. Despite numerous calls to Barclay and JetBlue and several hours on the phone, I have not received a statement or a card. Barclays says they sent a card to me which I never received. They said they sent a replacement card on XX/XX/. I have not received that card. I called Barclays again. They said they would send another card by XXXX. Today, their automated system indicated that the card had not been sent out. On the phone, they said it was sent out today. I desperately need a statement for a loan application. Barclays will not give me my account number which would allow me to access my account on line. Barclays will not send a statement, but they are expecting me to pay my bill. Barclays said they would have a high level manager call me. After several days without a call back, I called Barclays again. They said they would schedule another call from a high level manager. After waiting another day, I receive a phone call. It rang one time. Nobody on the line when I answered. I called back he number which didn't accept incoming calls. I have spent over four hours on the phone just this week without any resolution. Barclays heavily uses the terms " unfortunately '', " sorry '', and " apologize '', but do not correct their issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: I had an old navy credit card back in XXXX - XXXX I paid it off and closed it myself but it has remained on my credit report for 10 years is that legal and the highest amount was {$200.00} I thought only bankruptcy can stay on your credit report that long how come this company that I closed my account on my own cause I didnt want it anymore how was this company able to ruin my credit for 10 years this should not be legal and its not fair and my credit card was with old navy XXXXXXXX XXXX and now they with Barclays and Barclays dont have a record of me its all XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 948XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A