Date Received: 2023-07-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hi. I qualified for the signup bonus on the XXXX XXXX XXXX XXXX in XXXX. I was supposed to received the points in XXXX. Nothing. I opened a case. Nothing. I have direct messages from them confirming I met the purchase reqirement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is for an account i have with Barclays for Jet Blue ( I also have Barclays for XXXX XXXX ; XXXX XXXX and the only issue herein is with Jet Blue account ) XX/XX/XXXX Spoke with XXXX about a notice my card was on hold. SHe said she looked at it and it was a " mistake, error '' i i should receive card in XXXX weeks. Would not tell me a reason. XX/XX/XXXX : Spoke with XXXX ( XXXX? ) explained above and asked where is the card. She said one would be sent by XXXX. BTW my present card at that time expires XX/XX/XXXX. This is relevant next XX/XX/XXXX : Got a replacement card ( which I didn't need as I expected a new card with new exp date ) and this card expired the moment fedex delivered it. I called and spoke to XXXX then XXXX in Security. She told me i would get a new card in XXXX days by US mail XXXX XX/XX/XXXX No new card so i called and spoke to Cionne ( XXXX? ) Relationship mgr and said a new card was ordered XX/XX/XXXX THEN she said she looked further and said card is on " HOLD '' and I would receive a letter " any day '' explaining why. XX/XX/XXXX No letter arrived and I went on line and it said my account was closed I called. Spoke to XXXX Relationship mgr. and she couldn't find anything she could tell me. SHe said a XXXX # was assigned ( XXXX ). Once again a letter was supposed to be coming in 7-10 business days. At this point my account is canceld with no explanation. Let me add these very relevant facts : My scores are high ; never had a late payment perhaps ever ; not utilizing but a small fraction of what the high credit was ; no changes in income or debts ; no court filings, etc. My husband was in XXXX for 39 years and between the two of us, this is totally inexplicable. I feel I am being damaged by possibly having a lowered store if the creditor closed the account AND I am now limited to adding to my Jet Blue points for travel. I don't know of any reason my card was not renewed and believe it is not deserved Thank you for any assistance you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2023 at XXXXXXXX XXXX per my XXXX XXXX XXXX call log, I called Barclays after receiving a text message about a possible charge for {$1000.00}. During the call, I twice inquired if the charge had been denied and was twice told the charge had been denied. I responded that I was glad because I wanted the charge denied. On XX/XX/XXXX, Barclays paid {$1000.00} to a vendor. I called Barclay 's at least 3 times between XXXX XXXX. Finally, I was told on XX/XX/XXXX, that a supervisor would call me within XXXX hours. No Barclays ' representative called me back between that day and XX/XX/XXXX, when I wrote Barclays about my problem and included a copy of my XXXX XXXX XXXX call log reflecting the XX/XX/XXXX call. Although I have received unsigned form letters from Barclays, I have not received any response written or otherwise acknowledging the XX/XX/2023, phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This letter is a formal complaint that Barclays Bank Delaware are reporting inaccurate and incomplete credit information. This is in direct violation of 15 US code 6801 as well as 15 US code 6802. Barclays Bank has not contacted me in any way informing me that they would share personal information with a third party. I do not want any personal information shared with any third parties. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : - Barclays Bank Delaware {$3300.00} I request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my wet signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I am also seeking compensation on this matter for Barclays Bank violation of my consumer rights. I would be willing to settle out of court for half the amount that I am owed for such violation. If there is no payment made. I would like to take this matter to the courts to sue Barclays Bank for these violations. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hi there, First off, thank you for working hard to protect us, ordinary consumers from being bullied and manipulated by large banks and financial institutions. We truly appreciate all your work. I am filing a complaint against Barclay US bank going against their promises of their promotional ads of Barclay XXXX Card. I am a Barclay XXXX Credit Card holder for many years. My account is ending in XXXX. On XX/XX/2023, they emailed me a promotional email to earn 5X additional miles on all purchases through XX/XX/2023. I enrolled right away and spent over their required {$500.00} before the end of the promotion. I was expecting that they kept their promise of adding XXXX miles to my account 6-8 weeks after the end of the promotion, but until this day, they've never added anything. I reached out to them last week and they simply denied of such a promotion. They said they could not locate it. And when I sent their promotional email to them as the undeniable evidence, they said it was a systematic promotion. Isn't it a promotion a promotion by Barclay US, regardless of how it is generated or sent to the customers? They had baited the customers to use their cards to spend but then they simply ignored their promises to the customers. I am attaching their promotional email along with this message. Thanks so much in advance for your help. Your work is truly appreciated. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing to request an increase on my Barclay 's Aviator credit card. My work requires that I travel more than ever before, and I am fond of the security a credit card offers when traveling. My traveling expenses have grown to the point where my {$9000.00} limit is just not enough. I love my relationship with both Barclay 's and XXXX XXXX. I fly XXXX for all my personal and business flights that is how I found out about the card 2 years ago. In the last 2 years since I've been with Barclay 's I unfortunately have not received a credit limit increase. My payment record with Barclays is perfect, and I do not anticipate any difficulties in dealing with an increase in my credit limit. I am asking for an increase from {$9000.00} to {$15000.00}. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected so I will attach my credit card statements. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am also attaching my last XXXX flights that I've taken in the past 2 years with XXXX using my Barclays card along with my bank statement that will show that I am more than capable of making monthly payments. I am hoping to hear a favorable outcome from Barclay 's. Please contact me if you need any information to expedite this process. I am looking forward to your reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Good morning, I contacted Barclays about their Old Navy Credit Card that I never applied for or received, which means fraud was evident. According to their loss prevention team, the issue would have been resolved in about 30 days, yet it is approaching 60 days which has adversely affected my credit score to drop approximately 50 points. I don't own that card. I don't shop at OLD NAVY. I am not an account holder with Barclays so I don't understand why this issue can't be resolved in an expedient manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Barclay Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A