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: Total amount is {$6300.00} I report my car was lost back on XXXX There where so many transaction made and i give all of them i send all the documentes they reques
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94503
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for the Barclay aviator rewards card, around end of XXXX. I did not hear from or receive a letter or a card from barclay. So I figured I wasnt approved or possibly they sent the card somewhere else or it just takes awhile to receive. The terms said you need to make a purchase within 90 days of opening the account. I dont know when that would be.. my definition of opening an account is when it is activated and you are able to make a purchase with the card they send you. They did not send the card until after the promotional term had ended.. so guess what? I dont get my miles, pretty convenient that it is sent after the promo is over, multiple people have experienced the same thing. I activated the card immediately after receiving and made a purchase, and this is verifiable with there records when I spoke to them, barclay is an absolute scam and does not issue rewards as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Sometime in XXXX to early XXXX of 2023 my Credit Card with Old Navy that is held with Barclay Bank had fraud charges in the amount of XXXX or close to that. I called customer service and explained that my card was lost or stolen. The person who took the report initially did not put all of the fraud charges into the report. A new card was generated and a balance was transferred over to the new account. I have spoken to representatives from Barclay Bank and over and over was reassured that my account would be looked at and there would be a XXXX balance. I am concerned with this bank and feel that they are in violation of the Fair Credit Act. I am being forced to make payments on fraud charges and I feel intimidated by their predatory ways. The customer service representatives are unskilled and incredibly lazy. I was sent a letter by an employee representing Barclay that claimed the fraud charges would be taken care of. It is ridiculous to assume that I would not be responsible for some fraud charges but not the rest. If the card was not in my possession how could I possibly use the card. The bank should be investigated for unethical tactics and I feel that this might be because I am a female.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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: 33971
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Card was never activated and called to cancel and provided payment method for annual fee and was told that it was closed. Checking later on my credit report and it shows as a delinquent account with late payment which caused an impact to my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent charges were made on my sons Frontier Credit Card in XX/XX/XXXX. I had a card from this account in my name that I gave the front desk for incidentals when I checked in at the XXXX XXXX in New York. I did not realize that I lost my card the day I left New York and that {$450.00} in fraudulent transactions occurred on XX/XX/XXXX, & XXXX in New York. I shared with Barclays my documentation of my return flight and that I checked out of the hotel on XXXX XXXX, XXXX. I left New York and went back home to XXXX XXXX on XXXX XXXX. The only charge I made on XXXX XXXX was at XXXX XXXX before I checked out. I was not notified that any the fraudulent charges were being made on my card in XXXX as they were happening. Since XX/XX/XXXX, I have not charged anything on this card because I dont have it. As soon as I was aware of the fraudulent purchases, I disputed the charges. I spoke with Barclay numerous times and have formally disputed these charges twice and both times Barclay found the charges to be valid because they say " card possession activity was verified via text message, phone or email. '' That is simply not true. Every month my family ALWAYS pays our credit cards in full and we all have good credit ratings. Barclays has erred in their investigation and we need it to be rectified. Thank you for your attention to this important manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: The credit card company would not. assist me during covid. Now I am being sued by this company. Without any type of help from the company with trying to make arrangements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
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 made a purchase through XXXX for a XXXX XXXX trip in XX/XX/2023, this was charged on my Barclay Aviator Mastercard - XXXX. - The flight was cancelled on XXXX XXXX and I requested a refund via XXXX for {$430.00}. - XXXX declined to refund so I filed a complaint with Aviator Mastercard to dispute charge on XXXX - XXXX XXXX has refunded XXXX for this purchase on XXXX - XXXX XXXX XXXX Consumer Affairs notified me of event on XXXX and this communication sent to XXXX - Another dispute sent to Aviator Mastercard o n XXXX - 3rd dispute sent on XXXX after Aviator Mastercard said they did not received documentation - XXXX states Aviator Mastercard is not helping facilitate the refund - XXXXXXXX Aviator Mastercard letter stated 'despite their best efforts they are unable to obtain credit from XXXX I sent all documentation ( XXXX pages ) to XXXXXXXX XXXX XXXX and Aviator Mastercard . I request this charge to be refunded in its entirety for {$430.00} and XXXX and Mastercard can resolve amongst themselves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Barclaycard with XXXX XXXX expects their card holders to send them a wire transfer through XXXX XXXX to pay their bill. Or give them their banking account information. I was always taught that wire transfers are extremely unsafe. Secondly, why am I being denied the option to use my debit/credit card to pay my bill since it has many fraud protections attached to that form of payment. How can it be legal for XXXX XXXX to only allow XXXX methods of payment that may result in identity theft or fraud?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A